Lydia C. Stefanowicz: Lawyer with Greenbaum, Rowe, Smith & Davis LLP

Lydia C. Stefanowicz

Woodbridge,  NJ  U.S.A.

Peer Rating
AV® Preeminent

Client Rating

Featured AV Peer Review Rated Lawyer IconFeatured AV Peer Review Rated Lawyer Icon
Printer Friendly VersionEmail this PageDownload to My Outlook ContactsAdd lawyer to My FavoritesCompare this lawyer to other lawyers in your favorites

Experience & Credentials Ratings & Reviews

Practice Areas

  • Real Estate
  • Banking, Business Financing & Creditors' Rights
Mailing Address99 Wood Avenue South, 4th Floor, Iselin, NJ, 08830-2712
University New York University, B.A., summa cum laude, 1976; Phi Beta Kappa, NYU Scholar, 1976
Law SchoolUniversity of Virginia School of Law, J.D., 1979
Admitted1980, New York; 1982, New Jersey

More Activities & Experience
•Member, American Bar Association, Section of Real Property, Trust & Estate Law: member, Real Estate Financing Group; member, Legal Opinions in Real Estate Transactions Committee
•Mentor to law school student under the auspices of the Leadership Council on Legal Diversity
•Participating attorney in the Pro Bono Partnership
•Participating attorney in the ABA Military Pro Bono Project
•Fluent in Russian and Polish languages

LanguagesRussian; Polish

Responsive, creative, pragmatic and cost-effective - these are the hallmarks of my approach to every client matter and to the issues that arise in the course of a matter.

Ms. Stefanowicz concentrates her practice in the areas of commercial lending and real estate. She provides counsel to both lenders and borrowers in real estate acquisition, construction, permanent mortgage and mezzanine financings. She has significant experience in real estate workouts and debt restructuring transactions, and represents real estate developers and investment funds in connection with the formation of joint ventures to acquire, develop, construct and manage properties.

Ms. Stefanowicz handles the structuring, negotiation and documentation of both secured and unsecured corporate and commercial loan transactions and other credit accommodations. Her work in this area encompasses revolving credit and term loan facilities, syndicated and participated credits, letters of credit and bankers’ acceptances, asset-based financings, liquidity facilities and tax-exempt financings. She represents lenders in the negotiation and documentation of inter-creditor agreements.

Ms. Stefanowicz also has experience in general corporate, commercial and real estate matters. She has negotiated and drafted contracts in connection with a wide range of transactions including acquisitions and divestitures, leases, easements, and management agreements.

Uniquely NJ
•Member, NAIOP NJ chapter: Co-Chair, Legal Action Committee; member, Gala Committee; former Co-Chair, Public Relations Committee
•New Jersey State Bar Association: Board of Directors, Banking Law Section; Board of Directors, Business Law Section
•Board of Directors, Dress For Success Morris County

Presentations & Speaking Engagements
•Discussion Leader, Real Estate Financing - Real Estate Opinions
Sponsor: Working Group on Legal Opinions (WGLO), October 27-28, 2014
•Speaker, Navigating a Credit Agreement from a Commercial Borrower's Perspective
Sponsor: New Jersey Law Journal In-House Counsel CLE Seminar Series, June 17, 2014
•Panelist and Discussion Leader, Just the Essentials: Intensive Training Course on Opinion Literature and Concepts for Legal Opinion Committee Members
Sponsor: Working Group on Legal Opinions (WGLO), April 28-29, 2014
•Panelist, An Introduction to Third Party Opinion Letter Policy & Some Practice Pointers for Transactional Attorneys
Sponsor: American Bar Association Real Property, Trust and Estate Law Section Webinar, March 19, 2014
•Panelist, Corporate Counsel Ethics - Ethics Conflicts and Communications under the Rules of Professional Conduct
Sponsor: American College of Mortgage Attorneys Annual Meeting, Corporate Counsel Symposium, September 26, 2013
•Presenter, Current Issues in Real Estate Financing
The Art of the Deal: Navigating Issues in Commercial Real Estate Law
Sponsor: New Jersey Institute for Continuing Legal Education, May 23, 2013
•Panelist, You Want WHAT Opinions From Us: A Look at the Real Estate Finance Opinion Report of 2012
Sponsor: American Bar Association Real Property, Trust and Estate Law Section 24th Annual Spring Symposia, May 2, 2013
•Moderator and Speaker, The Real Estate Finance Opinion Report of 2012: Compass on the Road to Consensus in Opinion Practice?
Sponsor: American College of Mortgage Attorneys Annual Meeting CLE Program, October 12, 2012
•Panelist, Understanding and Negotiating Legal Opinions for Fannie Mae and Freddie Mac
Sponsor: American Bar Association Real Property, Trust and Estate Law Section 23rd Annual Spring Symposia, May 3, 2012
•Moderator and Speaker, Third Party Legal Opinions after Fortress Credit Corp. v. Dechert LLP: Establishing Prudent Risk Management Policies and Practices
Sponsor: American College of Mortgage Attorneys Annual Meeting CLE Program, September 25, 2010
•Panelist, Application of Cost-Benefit Analysis Theories to Opinions within the ACMA Context
Sponsor: American College of Mortgage Attorneys Annual Meeting CLE Program, October 2, 2009
•Panelist, Forbearance Agreements, Pre-negotiation Agreements, Conditional Advance Letters, Default Notices and Bankruptcy
Sponsor: Bank of America CRE Group NYC, April 23, 2009
•Speaker, Identifying and Assessing a Workout Situation: Prelude to Restructuring
Sponsor: Risk Management Association, February 10, 2009
•Speaker, The Loan Agreement
Commercial Lending Requirements and Loan Documentation in New Jersey
Sponsor: Lorman Education Services, June 9, 2005 and May 24, 2005

Publications & Alerts
•Co-Author, 2015 Real Estate Update: Trending Issues & Topics of Interest
Greenbaum, Rowe, Smith & Davis LLP Client Alert, March 2015
•Author, In My Opinion...
Ongoing Column, New Jersey State Bar Association Business Law Section Newsletter
•As a member of the Joint Drafting Committee, Real Estate Finance Opinion Report of 2012
American Bar Association Real Property, Trust and Estate Law Section Journal, Fall 2012
•Contributing Editor, Banking and Lending Institution Forms
(2012 A.S. Pratt & Sons)

•Greenbaum, Rowe, Smith & Davis LLP Welcomes Two Real Estate Partners and Three Associates To The Firm
March 2, 2015

Honors & Awards
•fellow and Board of Regents, American College of Mortgage Attorneys (ACMA): Co-Chair, Opinions Committee; Chair, Branding Task Force; alternate designee to WGLO; member, Strategic Planning Committee; member, Capital Markets Committee
•fellow, American College of Real Estate Lawyers (ACREL): Secretary, Attorney Opinions Committee; member, Capital Markets Committee
•Listed in New Jersey Super Lawyers (a Thompson Reuters business) in the Banking and Real Estate practice areas (2005-2006, 2008 - present)
•Martindale-Hubbell Peer Review Rated AV Preeminent (a trademark of Internet Brands, Inc.) (2002 - present)
•Recipient of the NAIOP NJ Chapter President’s Award (2008)

Reported CasesRepresentative Matters: Represented Agent bank in a $222.5 million syndicated senior secured revolving credit facility (including letters of credit, bankers' acceptances and swing line loans) to a multinational food importer and its affiliates

View Ratings & Reviews
Profile Visibility
#76 in weekly profile views out of 553 lawyers in Woodbridge, New Jersey
#116,402 in weekly profile views out of 1,686,531 total lawyers Overall

Office Information

Lydia C. Stefanowicz

99 Wood Avenue South, 4th Floor
WoodbridgeNJ 07095-0988


Professional Networking for Legal Professionals Only

Quickly and easily expand your professional
network - join the premier global network for legal professionals only. It's powered by the
Martindale-Hubbell database - over 1,000,000 lawyers strong.
Join Now