BANKING EXPERT WITNESS - NANCY TERRILL, CTP

Nancy D. Terrill is a former Banking Executive with over twenty-five years of progressive lending and management responsibility with a regional bank and a money center bank.  Her Banking expertise was built in Commercial Lending in the following Bank Divisions

  • Special Assets - Corporate Banking, Asset Based Lending, Real Estate and Private Banking
  • Middle Market and Business Banking
  • Asset Based Lending and Leveraged Capital
  • National and Specialty Lending - Healthcare
  • Correspondent Banking

Ms. Terrill spent 15 of her 25 year banking career in the Special Assets Division working on resolution of the problem loan portfolio.  During that time, she was involved in hundreds of litigation matters including foreclosure and other collection litigation, bank fraud matters and lender liability cases.  She progressed to the level of National Manager of the Special Assets Division of KeyBank NA where she had management responsibility over 130 employees serving a loan portfolio of $3 billion at the peak.

Since leaving banking, Ms. Terrill has been retained as an expert witness and consultant in litigation matters throughout the United States, including referrals from satisfied customers.  As an expert, she has been engaged by both lenders and debtors, Plaintiffs and Defendants. 

Nancy D. Terrill's Expert Witness Areas of Expertise include:

  • Commercial Banking Standards Policies and Procedures, focused on problem loan workout
  • Commercial Banking Good Faith and Fair Dealing
  • Commercial Banking Ethics Standards
  • Commercial Loan Workout Strategy and Implementation
  • Commercial Loan Underwriting Standards
  • Evaluation of Business Viability in the context of a Commercial Loan Workout
  • Lender Liability, Fraudulent Conveyance
  • Commercial Lender Conflict of Interest Standards
  • Course of Dealing Standards in Commercial Loan Collection
  • Bank Fraud, Bank Employee Collusion
  • Bank Ethics Violations
  • Bank Fiduciary Duties in Commercial Banking
  • Loan Officer Conduct, Responsibilities and Obligations
  • Agent/Participant Lending Standards
  • Deepening Insolvency and Timeline Issues
  • Bank Client Privacy, Breach of Confidentiality
  • Bank Responsibilities and Obligations to Commercial Loan Guarantors
  • Agent/Participant Responsibilities and Obligations
  • Non-Bank Lending Standards
  • Preservation of Safety and Soundness of the Lender
  • Commercial Lender Coercion and Control Standards
  • Commercial Lender Standards regarding Receivership
  • Normal and Customary Banking Standards and Loan Policies
  • Normal and Customary Collateral Evaluation, including Asset Based Audits
  • Commercial Loan Review Process and Procedure
  • Standard Implementation of a Material Adverse Condition Default
  • Commercial Banking Standards of Conduct
  • Commercial Banking Standards regarding Monitoring Collateral, Borrowing Base Monitoring Standards
  • Standard Collateral Valuation Methodology

Education:

  • Master in Business Administration/Finance degree from Cleveland State University
  • Bachelors of Arts degree in International Business at Lake Erie College – high honors - including studies at La Universidad de Salamanca, Spain and L'IUT de Saint Die des Vosges in Nancy, France 
  • Certified Turnaround Professional (CTP) designation which provides evidence of an individual's commitment to the turnaround and corporate renewal industry; Continuing Education requirements including Expert Witness Training, Legal and Banking Seminars and Training, Corporate Literature.