Banking & Financial Institutions

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Financial institutions and sophisticated borrowers require experienced, seasoned legal counsel to deliver a full range of legal services. Our banking and financial institutions attorneys assist banks and other financial institutions through all phases of the credit life cycle, commitment letter, underwriting, documentation, re-documentation, enforcement, and representation in bankruptcy proceedings. The scope and quality of our work reflects a high level of familiarity with the credit structures and the issues confronting the finance industry.

We assist financial institutions and borrowers in a wide variety of credit transactions, including corporate lending, secured and unsecured lending, equipment leasing, tax-exempt transactions, project financing, and letter-of-credit transactions.

Should the need arise, we offer banks and other financial institutions skilled, practical, and efficient representation to enforce their rights and remedies in state or federal court.  Our banking and financial institutions group works closely and carefully with our clients to deliver effective, efficient and economical solutions to enforcement proceedings.

FINANCE & CORPORATE LENDING

Our attorneys represent banks, finance companies, financial institutions, borrowers, and other participants in a wide variety of financial products and transactions. We serve clients in:

  • Asset-based and secured lending
  • Subordinated lending
  • Credit facilities
  • Real estate lending
  • Structured and leveraged finance
  • Corporate finance
  • Acquisition finance
  • Commercial lending
  • Public finance transactions

Effective representation of lenders and borrowers requires skills and knowledge that transcend the process of preparing loan documents. Our attorneys are steeped in knowledge of business sectors requiring special attention in loan documentation including health care, broker dealers, construction, real estate, government contracting, environmental services, telecommunications, transportation, retail, and other business sectors.

Effective representation of lenders also requires knowledge and sensitivity to the inner workings of financial institutions. Custom advance formulas, monitoring metrics, notice and grace periods, interest rate calculations, financial reporting, initial and continued funding deliveries, representations, and warranties.  Internal documentation and underwriting standards also differ among financial institutions. Having represented virtually every national, regional, and local financial institution, our finance and corporate lending attorneys apply this knowledge to effective, efficient, and economical documentation on behalf of lenders and borrowers.

COMMERCIAL & BANKING LITIGATION

We offer clients skilled, practical, and experienced counseling and support to assist with all types of business problems. Our attorneys are as comfortable in small town courtrooms as in federal courtrooms around the nation. Often, because of our years of experience counseling businesses of all sizes, our attorneys are called on by clients to serve as general corporate counsel, or as liaison with a client’s general counsel, to administer all types of litigation matters.

We provide for our lender-clients’ needs on all levels, from defending lender liability actions, to enforcing rights against borrowers in state courts and before the federal (including bankruptcy) courts. Our litigators represent lenders in actions to recover unpaid obligations from principals and guarantors, foreclosures, and assertion of claims for fraud on the part of borrowers or their principals.

BANKING OPERATIONS

We offer effective, efficient, and economical service in responding to the unique problems lenders routinely face in operational areas, such as regulatory issues, records subpoenas, grand jury subpoenas, citations to discover assets, wage garnishment and non-wage garnishment summonses.  We also assist our clients in developing internal policies and procedures when legal rights and obligations could be affected by them.

INSOLVENCY & RESTRUCTURING

Our insolvency and restructuring attorneys work closely with the banking and financial institutions group. They regularly represent financially troubled entities, secured lenders, trustees, unsecured creditors, official creditor and equity committees, insurers, commercial landlords, asset sellers, purchasers, shareholders, and investors that interact with the following:

  • Chapter 11 reorganization cases
  • Chapter 7 liquidation cases      
  • Non-judicial loan restructuring, “workouts” and other alternatives
  • Asset recovery and foreclosure
  • Bankruptcy and creditors’ rights related litigation in state and federal courts
  • Receiverships and assignments for the benefit of creditors
  • Dissolutions and winding-up of business entities

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