Barbara Bergman

Experience

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  Gulf International Bank

  Jan 1991 - Jan 1994

  Account Officer

  Developed relationships with large clients, including automotive, energy, steel, engineering, and other manufacturing companies. Provided financing to customers for their business operations in the US, Europe, and Middle East.

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  Bank of Tokyo-Mitsubishi UFJ

  Jan 1994 - Jan 1997

  AVP, Credit Officer

  Wrote lending policies for assigned industries in North America for global markets. Assigned industries: Healthcare (insurance, pharmaceutical, medical equipment), Consumer Product, Chemical, and Railroad. Responsible for credit decisions on transactions for mergers and acquisitions, high risk, and working capital loans. Managed credit portfolios providing expertise within assigned industries; monitored customers against performance trends and provided competitive analysis.

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  Self Employed

  Jan 1998 - Jan 2002

  Independent Contractor

  Developed and implemented new products and sales agent concepts for clients, primarily in the start-up dot-com and executive search research industries. Oversaw a team of 5 people.

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  Edward Jones

  Jan 2002 - Jan 2004

  Investment Advisor

  Launched new one-person investment office and developed client base de novo; achieved profitability within one year. Provided individualized investment opportunities. (Series 7 & 63 and Insurance licensed 2002-2006)

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  Webster Bank (formerly Sterling National Bank and Provident Bank of New York)

  Jan 2004 - Jan 2012

  VP, Sr Portfolio Manager/Lead Underwriter

  Worked within the commercial lending group providing critical team support through the analysis, structuring, and underwriting of deals. Charged with managing the loan portfolio and annual review process with the largest/legacy lending team. Oversaw junior underwriters to ensure the current portfolio is monitored effectively and on a timely basis. Book contained all facets of CRE, ADC CRE, and small-middle market C&I loans.

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  Columbia Bank (formerly Atlantic Stewardship Bank)

  Jan 2012 - Jan 2015

  VP, Credit Department Manager

  Redrafted Commercial Credit Policy and underwriting guidelines in a changing regulatory environment. Instituted new credit processes along many layers. Reorganized and managed the credit analyst team and its daily work flow process. Worked with lenders to structure/restructure loans. Part of risk management team charged with significantly and successfully reducing the problem asset portfolio from 4.5% of assets to less than 1.0% of assets.

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  Customers Bank

  Jan 2015 - Dec 2022

  Responsible for credit risk assessment of CRE loan portfolio with independent approval authority. This was accomplished through a collaborative work environment with the lending team in the initial proposal, and throughout the life of the loan. Advised on credit policy; recognized and mitigated policy exceptions and underlying risks. Was also a voting member of loan committees for CRE, C&I, and Warehouse Lending. Provided significant support to the Bank's efforts in answering to regulatory guidelines for CRE concentration. Authored and presented to the Board of Directors the Commercial Real Estate Risk Review on a semiannual basis, including indepth market and portfolio analyses (see projects below). Liaised with various departments throughout the Bank, including Enterprise Risk Management, Treasury, Loan Review, and Data Integrity. Show less

  • Managing Director, CRE Lending Group

    Jan 2019 - Dec 2022

  • SVP, Senior Credit Officer for Commercial Real Estate

    Jan 2015 - Jan 2019
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  M&T Bank

  Dec 2022 - now

  SVP, Senior Credit Officer

  Decision credit requests within individual approval authority; work as a team with the CRE lending group to build long-standing, profitable relationships by providing creative solutions for CRE business opportunities or problems and timely decisioning. Review early stage proposals, providing insights as to risks, factors to be considered, additional information needed for decisioning, structuring changes, etc. Voting member of Manager's Loan Committee. Review deteriorating credit situations with the objective of shoring up the Bank's position while providing the client with flexibility to resolve its problems. Participate in quarterly problem loan management meetings. Show less