Juliet Berberian


Vice President - Account Executive

Financial Services

Commercially focused Financial Executive with 10+ years of experience, and extensive knowledge of lending structures including factoring and asset based loans. Rich mix of technical accounting and leadership talents, are complemented by advanced studies and CPA designation. Respond to challenges with confidence, determination and focus. 

Professional Experience Includes:

FactoringAsset-based LendingDiscretionary Facility

ParticipationReverse ParticipationWorkouts

Distressed AccountsTerm LoansNotification/Non-notification

RecourseCovenants Tri-Party Agreements

LiensPledges                                    Assignment Agreements

Highlight of Achievements

  • Achieved 10+ years of successful workouts with virtually no losses.
  • Protected the company’s assets ensuring sufficient collateral coverage by teaming with auditors  and internal/external legal counsel to liquidate collateral and collect on corporate and personal guarantees resulting in full recoveries.
  • Designed and implemented a three-prong non-monetary appreciation program impacting various departments and employees that recognized group and individual achievements and boosted company morale.
  • Instrumental in managing and exiting troubled accounts by maintaining strong working relationships with corporate controllers who expedited information to accelerate the liquidation process.

Work History

Work History
2000 - Present

CIT Commercial Services

Bank holding company with more than $60B in finance and leasing assets. Provides lending, advisory, and leasing services to small and middle market businesses. CIT is a Fortune 500 company.

Account Executive-Vice President

Key Responsibilities:

  • Manage a portfolio of up to 25 clients with credit facilities up to $17.5 million.
  • Analyze financial, collateral, and industry reports to ascertain appropriate credit facilities and risk ratings.
  • Negotiate credit facilities and fee structures; coordinate execution of legal documents.
  • Present deteriorating credits and large facilities to the credit committee.
1996 - 1999

Heller Financial

Heller Financial provided commercial finance, real estate lending, and equipment leasing to small-to-midsize companies throughout the U.S. and Europe. In 1999, CIT acquired the factoring division of Heller Financial. In 2001, GE Capital acquired the company for $5.3 billion.

Senior Loan Administrator (1998–1999)

Client Financial Analyst II (1996–1998)

Key Responsibilities:

  • Monitored collateral for 30+ accounts and assist in loan underwriting.
  • Interacted with clients, CPAs, and internal departments.
  • Performed audits in U.S. and Canada, to substantiate collateral and adequacy of internal controls and to identify questionable practices.
  • Trained junior auditors.
1990 - 1996

James F. Hundshamer, CPA

The firm offers a wide range of services to individuals as well as small-to-mid size businesses ranging from preparation of tax returns to issuance of audited financial statements. 

Staff Accountant / Enrolled Agent

Key Responsibilities:

  • Prepared individual, partnership, and corporate tax returns.
  • Managed accounting functions for 64 rental units.
  • Participated in conducting audits, reviews, and compilations.
  • Trained and supervise new employees.