Mr. Levy was, variously, a Senior Vice President & General Manager and a Managing Director at Chemical and Chase Manhattan Banks (both predecessors to JP Morgan Chase Bank) and a Senior Member of the Credit Committee. Currently, he is President of Gerald M. Levy & Co. LLC, Real Estate & Banking Consultants. He is a member of the CRE Finance Council (CREFC) and an Associate of the Mortgage Bankers Association of New York (MBANY). He has been heavily engaged in a wide range of banking and finance functions, including but not limited to construction lending, real estate lending, and commercial lending (non-real estate). Mr. Levy has experience with participation loans and loan syndications, structured finance, and unsecured loans. He also provided revolving credit/term loans, credit lines, and letters of credit. He has trained and supervised many lending officers; and has taught or lectured at many colleges and universities, law firms, professional groups, and trade associations.
He accepts appropriate assignments as a consultant, expert witness, mediator or arbitrator on many commercial bank and other institutional lending and risk evaluation practices including loan performance issues in both performing and non-performing credits and secured and unsecured loans. A sampling of topics is shown below:
Standards and Practices:
- Lender & Borrower Responsibilities
- Lead Bank & Participant Bank Responsibilities
- Construction Lending Practices
- Real Estate Lending Practices
- Commercial Banking Practices (non-real estate)
- Investment Banking Practices
- Loan Officer Behavior & Code of Conduct
- Borrower Behavior & Obligations
- Lender & Borrower Liability Issues
- Standard of Care
Loan Products:
- Commercial & Industrial (C&I) Loans
- Construction Loans
- Real Estate Loans
- Letters of Credit
- Lines of Credit
- Participation Loans
- Revolving Credit/Term Loans
- Commercial Loans (non-real estate)
- Structured Finance
- Syndicated Loans
- Unsecured Loans
Lending Functions:
- Customer Relationships & Reports
- Field & Office Based Investigations
- Origination
- Analysis & Underwriting
- Loan Commitments
- Loan Documentation
- Initial Closings
- Loan Sales
- Administration
- Troubled Loan Warning Signs
- Final Closing & Repayment of Funds
Borrower Functions:
- Provide Warrant of Title
- Maintain Quality of Collateral
- Assignment of Rents & Profits
- Prompt Loan Payments
- Prompt Principal Repayment
- Pay Taxes, Assessments & Utilities
- Fulfillment of Guarantees (if Triggered)
- Prompt & Candid Reporting
- Fulfillment of All Responsibilities
Credit and Risk Functions:
- Appraisal Policies & Procedures
- Environmental Risks & Policies
- Appropriate Loan Covenants & Ratios
- Evaluation of Guarantees
- Loan Reviews
- Risk Assessment, Ratings & Management
- Risk Reduction Techniques
- Restructurings & Workouts
- Overdrafts & Offsets
- Non-Accruals & Loss Reserves
- Charge-Offs & Reserve Recaptures
- Regulatory Policies & Relationships
Distressed Asset Functions:
- Agent Bank Responsibilities
- Risk Analysis
- Voluntary Deed Transfer or Foreclosure or Bankruptcy
- Acquisition
- Due Diligence
- Asset Management
- Physical Upgrading
- Leasing
- Marketing & Sale
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