RONALD A. POLLIO, after a six year career with JP Morgan Chase (and predecessors) as a Lending officer, he joined the Firm and soon became a partner in the Corporate, Banking & Finance, Real Estate, Taxation and Estate Planning.

While he has had considerable exposure to the many interdisciplinary and sophisticated areas of the Firm’s practice, he has concentrated in several of the Firm’s primary practice areas.

Corporate/Acquisitions: Mr. Pollio structures Acquisitions and other Commercial transactions, and negotiates and drafts all of the accompanying documents and agreements; including Confidentiality, Letter of Intent, Purchase/Merger Definitive Agreement, Consulting, Employment, Franchise and Shareholder/Member/Partnership Agreements.  He has negotiated and closed the purchase/sale/merger of numerous companies in various industries including; aerospace, advertising, automotive, restaurant, hotel, printing and real estate, with prices ranging in size from $100,000 to $55 million. With his substantial background in Accounting, Tax and Finance, he is quite familiar with and has negotiated intricate accounting and many tax aspects of these transactions.  In addition, Mr. Pollio routinely counsels the Firm’s corporate clients on various issues, including, executive/deferred compensation and benefits, business succession, taxation, real estate, litigation, employment practices, human resource policies/procedures, union negotiations and discrimination/sexual harassment claims.

Banking-Finance: He leads the Firm’s Banking group, representing several major banks, in their middle market, corporate and private banking commercial lending divisions.  He structures, negotiates and documents various financing transactions, including Commitment Letters, Mortgages, Security and Loan Agreements, unsecured/secured revolving credit lines and Term Loans, asset based and a variety of agency loans, with various pricing/payment and security features and all related closing documents.  He advises on all related lending, workout and collection issues, including compliance, restructuring, pre-workout and workout arrangements and litigation.  He has handled a wide variety of lending transactions, such as Fee/Leasehold Mortgages, unsecured non-recourse loans, private banking loans secured by exotic assets including aircraft and motor yachts, IRB, IDA, SBA, Asset Based and Dealer Finance.  He has developed many standardized bank document forms.

Real Estate: Mr. Pollio guides buyers, sellers, landlords, tenants, developers and contractors in a variety of commercial and residential transactions, large and small.  Properties include office, industrial, loft, multi-dwelling residential, shopping centers, cooperatives and condominiums. He and his staff recently closed the sale of seven large residential (condominium type) buildings in lower Manhattan for $36 million.  He has been retained to handle numerous tax-free Section 1031 Exchanges.  He also does and supervises a considerable volume of residential real estate transactions.  He handles contract, title, survey, zoning, easement, covenant and restrictions issues.  He has appeared before zoning and other regulatory boards for zoning variances, exceptions and approvals.  He is also quite familiar with environmental issues being intimately involved with Phase I and Phase II remediation and numerous discharge, claim, approval and consent issues.

Taxation-Business/Estate Planning: As part of his Corporate, Real Estate and Banking practice, he is familiar with many tax strategies in negotiating and drafting the business transactions noted.  Because of his background, he also applies his finance and tax skills in structuring more sophisticated estate and business succession plans for the Firm’s high net worth clients, (many of whom are closely held business owners and corporate officers); often integrating the Business, Real Estate, Benefits and Qualified Plan issues in coordination with the Firm’s Trust/Estates, Administration practice. With his background in Finance, Accounting and Taxation, Mr. Pollio drafts complex wills and a wide variety of revocable/irrevocable trusts, often employing Gift Tax Discount Techniques with significant tax effect.  He has frequently lectured on estate and business succession strategies to Professional Groups.

Banking Career: Prior to joining the Firm in 1992, Mr. Pollio worked in private banking, Commercial Lending and the Retail Banking Sectors of J.P. Morgan Chase (and its predecessors).  He was selected for the Bank’s (i) Management Training Program – an eighteen month training in banking practices, products, sales and delivery techniques, he was quite familiar with Bank and Branch management, operations, personal and sales, and became a Sales Manager and a recognized Bank-wide marketing leader.  As a result he was selected for the very prestigious Bank Credit Program – a twelve month classroom program where he received approximately thirty (30) transferable MBA credits, while at the same time attending evening law school.  His undergraduate Finance (Accounting) degree from Adelphi (and Villanova) Business School, when coupled with this extensive bank training, has given him an extraordinary insight into Banking and Finance, as well as Corporate, Taxation and related Business and Estate Planning issues.

Professional Associations
New York State Bar Association; Member of Business Law, Family Law, General Practice, Real Property Law, Tax, and Trust & Estates Law Sections
Nassau County Bar Association; Member of Corporate, Banking & Securities Law, Real Property Law, Matrimonial Law, Attorney-Accountant-Technology & Practice Management, Tax Law, and General, Solo & Small Firm Committees

Court Admissions
New York, all Courts

Adelphi University School of Business-Finance, B.A. in Finance (Accounting) (formerly at Villanova University Business School)
St. John’s University School of Law, J.D.

Professional Activities
Lecturer before many professional and finance groups on subjects of Finance, Corporate Planning, Taxation, Estate and Gift Planning.

Mr. Pollio is active in numerous business, civic and social organizations having served as Chair of a Co-Op Board and counsel to other similar entities.