LOAN SERVICING

A huge advantage that we offer is our loan servicing.  We service nearly every loan that we close.  Our clients have come to understand how important a local, knowledgeable servicer is.  Many of our clients know our servicing employees on a personal level.  They are able to call our Southfield, Michigan office and ask for someone by name, rather than through prompts and 1-800 numbers.  If the situation warrants, they can even schedule an appointment and come in for a face-to-face meeting.  

Bernard Financial Servicing Group is a primary servicer for commercial mortgage loans. We perform full cashier servicing for both Life Companies and CMBS loans. In 1993, Bernard Financial Servicing Group started Life Company servicing. In 1998, Bernard Financial Servicing Group began full cashier servicing for conduit lenders. Bernard Financial Servicing Group is a CREFC compliant Primary Servicer for CMBS loans and carries the appropriate levels of Fidelity Bond and Error and Omissions insurance coverage.  We are currently servicing approximately $2,800,000,000 and use Synergy Servicing Software system.

Below please find our current roster of correspondent lenders for whom we primary Service for:

Additionally, we have full Primary Servicing Agreements with the following Master Servicers:

LOAN SERVICING TEAM

Crystal Kalinowski - Vice President

Crystal is a graduate of Texas A&M University. She began her career at Banc One Mortgage Capital Markets in Houston, Texas in 1996. She spent several years closing commercial mortgage loans before she began working for Argus Software, thereby learning the analytical side of the real estate business.  In 2001 she moved to Michigan and soon thereafter began her career in commercial mortgage servicing with Bernard Financial Group. She is a graduate of the MBA Commercial Mortgage Servicing Course.  She currently oversees  the Servicing Department at Bernard Financial Servicing Group with a loan portfolio in excess of $2.5 billion.

Barbara Graves - Controller

Barbara joined Bernard Financial Group in 2002. With over 30 years of accounting experience in varied business backgrounds, she is proficient in account analysis and complex bank reconciliations. As the Servicing Controller for Bernard Financial Group, Barbara oversees the monthly processes in Mortgage Servicing and also performs the daily corporate accounting functions. She is responsible for disbursements to Master Servicers; and timely payments from the tax and insurance escrow accounts. Barb responds to requests from borrowers, and also does property site inspections.

Lisa Wallon - Compliance Officer

Lisa has been with Bernard Financial Servicing Group since August 2004. She has an Associates Degree in Business Administration from Oakland Community College and is continuing education through the Mortgage Bankers Association. Lisa annually attends the Servicing and Technology Conference to continue to keep us up to date with current Servicing Standards. She is responsible for compliance and insurance for the Servicing Portfolio, She also assists with bank reconciliations and property inspections.

Adam Ferguson - Portfolio Manager

Adam joined Bernard Financial Servicing Group in 2010 as a Portfolio Manager after graduating from Wayne State University with a BS in Finance.  His responsibilities include asset surveillance and financial performance analysis for his portfolio.  He also provides additional analysis for various borrower requests such as leases, loan modifications and reserve disbursements.

Kara Zucal - Portfolio Manager

Kara joined Bernard Financial Servicing Group in 2011 as a Portfolio Manager after graduating from Central Michigan University with a BSBA in Finance. Her responsibilities include asset surveillance and financial performance analysis for her portfolio. She also provides recommendations and analysis for new leases, modification requests and reserve disbursements.

Kristyn Humpich - Servicing Specialist

Kristyn has been with Bernard Financial Group since July 2010.  As a servicing specialist, she assists the servicing department in multiple way including property inspections, bank reconciliations, property tax payments, escrow analyses, and entering new loans.  She is currently attending Oakland University to pursue her degree in Business Management in which she plans to use the business skills and knowledge she receives within Bernard Financial Group.