NADINE M. BARHAM
Summary
Dedicated and experienced commercial banking professional possessing over 17 years in the lending industry. Experienced in the disposition of debt, including loan workouts and restructures, note sales, REO's and commercial real estate foreclosures and commercial loan closing.
Overview
24
24
years of professional experience
Work History
Senior Commercial Loan Closing Associate
Webster Bank
05.2022 - Current
- Facilitate commercial closing transactions from beginning to end. to close various commercial loans.
- Collaborate with deal team to facilitate loan closing processes.
- Act as central point of contact to streamline communication and ensure seamless coordination between all involved parties.
- Work closely with legal department to ensure all loan documents and agreements comply with relevant regulations and internal policies.
- Review of loan documentation, including term sheets, loan agreements, and other closing documents.
- Prepare summary of loan terms for loan booking.
- Collaborate with Lending and Legal departments, as well as operations staff, when approved requirements for loans cannot be met or maintained on loans system.
- Funding of loans to borrower and other parties .
- Managed time efficiently in order to complete all tasks within deadlines
- Demonstrated respect, friendliness and willingness to help wherever needed
- Developed and maintained courteous and effective working relationships
- Self-motivated, with strong sense of personal responsibility
Loan Recovery Officer
New York Community Bank
05.2011 - 05.2022
- Responsible for maintaining and servicing portfolio of defaulted or distressed loans. l
- Worked alongside senior loan recovery officers to formulate strategies and resolutions for non-performing loans and criticized classified assets.
- Conduct thorough due diligence on borrowers and collateral, ensuring all necessary information is obtained and verified to support restructured terms and conditions.
- Engaged and collaborated with outside counsel on foreclosure of commercial real estate assets and repayment of commercial loans. Negotiated loan terms with borrowers to ensure repayment of debt. Ensured that unique loan requirements, terms and conditions are properly captured in loan documents.
- Participated in monthly credit monitoring meetings for existing clients to proactively identifying potential problematic loan.
- Interacted with management in forecasting resolutions to maturing loans and monitoring of defaults.
- Prepared FAS 114 analysis for substandard loans. Performed internal loan review analysis of assigned defaulted or distressed loans.
- Interacted with management and loan officers to forecast, compile and process charge-offs on monthly and quarterly basis.
- Prepared and evaluated loan payoff information for restructured or defaulted loans. Reconciled troubled debt restructured report with financial services. Reconciled department general ledger.
- Site inspections, as necessary. Appeared in court on behalf of bank when necessary.
- Determined borrower eligibility, determined loan terms and conditions, and prepared loan documents.
- Maintain Sarbanes-Oxley compliance. Performed weekly and monthly ad-hoc reporting for upper management, investor relations.
- Skilled at working independently and collaboratively in team environment
- Proven ability to learn quickly and adapt to new situations
- Excellent communication skills, both verbal and written
- Passionate about learning and committed to continual improvement
Financial Analyst
New York Community Bank
05.2009 - 05.2011
- Reviewed and interpreted appraisals for commercial real estate bank assets for quality, accuracy, and content.
- Summarized findings, including discrepancies in detailed write up.
Pre-Closing Administrator
New York Community Bank
05.2008 - 05.2009
- Preparation of multifamily closing review form, summarizing terms and conditions required for loans to be funded and closed.
- Review of banks letters of intent and commitments to borrowers.
- Review of title reports, surveys, and deeds of subject property.
- Notification to loan officers and bank counsel of conditions that may delay closing.
Quality Control Analyst
New York Community Bank
05.2006 - 05.2008
- Performed various loan file and portfolio review for quality assessment, completeness of approval and closing documentation.
- Reviewed and verified accuracy of loan documents to ensure quality control and accuracy.
- Reviewed compliance with established policies, guidelines, and regulatory requirements.
- Identified changes from underwriting through to closing process.
- Identified issues and document observations to provide timely and appropriate feedback and corrective recommendations.
Collections Enforcement Team Leader
Law Office of Cohen and Slamowitz
09.1999 - 05.2006
- Issued bank restraints and wage garnishments.
- Communicated daily with city marshals, county sheriffs, and bank staff.
- Engaged in negotiations with debtors to obtain settlements.
- Maintained confidential information of all consumer files managed.
- Examined client files to ensure next stage of litigation process.
- Prepared legal documents such as affidavit of service, summons and complaints, and judgments.
- Supported firms counsel by providing administrative aide during litigation process, including scanning, filing, and review of litigation status.
Education
B.A. - Communications
S.U.N.Y College At Old Westbury
Old Westbury, NYNo Degree - Paralegal Certification
Hofstra University
Garden City, NYSkills
- Proficient in analysis of structured commercial loan documents, operating agreements, borrower, and property financials
- Knowledgeable in appraisals, environmental and other property reports
- Basic underwriting knowledge
- Loan write-ups
- Knowledge of federal and state banking laws, compliance and regulations
- Experienced in communicating with attorneys, borrowers, and banking executives
- Proficient in, FISERV DNA, Nautilus, and FISERV Prologue
- Commercial litigation experience
- Loan evaluations
- Loan closing
- Commercial and credit loans
Licenses
Notary Public in the State of New York, County of Nassau
Timeline
Senior Commercial Loan Closing Associate
Webster Bank
05.2022 - Current
Loan Recovery Officer
New York Community Bank
05.2011 - 05.2022
Financial Analyst
New York Community Bank
05.2009 - 05.2011
Pre-Closing Administrator
New York Community Bank
05.2008 - 05.2009
Quality Control Analyst
New York Community Bank
05.2006 - 05.2008
Collections Enforcement Team Leader
Law Office of Cohen and Slamowitz
09.1999 - 05.2006
B.A. - Communications
S.U.N.Y College At Old Westbury
No Degree - Paralegal Certification
Hofstra University
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