The Firm has represented international and local banks from General and Trust Department Counsel to Commercial Lending and Estate/Trust Counsel; and it has considerable experience in a wide area of Banking activity, particularly with the Partners’ background in Banking, Creditors’ Rights, Finance and Taxation:

General Counsel

Bank administrative and operational issues, usury, disclosure, new products, internal controls, bank fraud, embezzlement, branching, indemnity, trade name and sale of entity and control; (see Corporate, Litigation, Taxation & Planning and Pension & Benefits).

Comprehensive involvement in general Bank lending (real estate or otherwise), structuring, commitment letters, notes and mortgages, loan and security agreements, negotiations, installation of ARM loan system, restructuring and work-out, internal loan control, opinions, commercial, private banking and residential loans; numerous types of loans, including off-shore, non-recourse, personal valuables, ship’s mortgage financing, asset based lending, secured/unsecured revolving credit, restructuring, pre-workout and workout, private bank loans, IRB, IDA, SBA, Dealer Finance; (see Corporate).

Regulatory Compliance

Comptroller of Currency, Federal Reserve Board, Superintendent, FDIC and SEC compliance; SEC periodic and annual reporting; (see Corporate, Federal Securities Laws).

Master Documents
Developed and installed Loan documents and procedures for several Banks and presented classes for Loan Officers; Commitment letters, notes, lines, loans, mortgages, loan and security agreements, attorney's guides, opinions, consents, environmental, guarantees, courier, deposit, escrow and prototype qualified and other plans; (see Pension & Benefits).

Loan Review and Real Estate Packages
Comprehensive and Trouble-Shooting review of existing Loan portfolios and National Mortgage Package approvals; developed reporting schedules.

Trust/Private Bank Department
General Counsel to several Bank Trust/Private Bank Departments; stock transfer, discount brokerage, prototype qualified pension (DB and DC) plans and IRA's; general estate and trust planning and documentation; will/trust review and tax compliance; probate, administration (prudent man and Principal and Income Act), will contests, construction, accountings and tax representation; (see Taxation & Planning, Estate & Trust and Pension & Benefits).

An extensive practice in Banking litigation; (see Litigation, Banking).