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Banking & Finance

Burak Anderson & Melloni’s Banking & Finance Practice Group regularly represents banks and other financial institutions in a wide range of financial transactions, including asset based lending, real estate development, leveraged buy-outs, mergers and acquisitions, and project financing.  Our services range from the representation of small community banks providing credit to a single borrower to complex, multi-party and multi-state transactions for large regional or national banks, often involving syndicated facilities of hundreds of millions or multi-billion dollar aggregate loan amounts.

 

We believe that an attorney best represents a lender when he or she has experience and expertise in not only the drafting and negotiation of the underlying financial documents, but also experience and expertise in the industry in which the borrower operates.  Our attorneys have experience representing clients in a significant number of business practice areas, which often enables us to advise our clients at the highest levels as to the structuring of financings.  For example, the Firm’s experience representing clients in the area of electric utilities, hydroelectric facilities and small power producers is instrumental to our successful representation of clients in the financing of these projects. Our work with clients in the areas of construction law and real estate development provides added value to lenders extending credit to new projects, as we are able to independently analyze issues associated with permitting and construction risks.  The Firm has been engaged as counsel to lenders in numerous projects, including acquisition and construction loans, development loans, bond financings, bridge loan financing, and permanent mortgage financings.  The Firm’s experience in telecommunications law dovetails and supports our representation of clients providing credit to telecommunications companies, such as radio and television stations.

 

In addition to our direct lending practice, the Firm’s attorneys have worked with lending clients in providing letters of credit or other credit support in industrial development bonds and other state and local government-assisted financing, as well as in connection with “captive insurance” capitalizations.  The Firm’s experience as municipal bond counsel supports our representation of banking clients involved in tax-exempt financing.  This includes bank clients providing credit support for financings, representation of banks and other purchasers in private placements of taxable and tax-exempt bonds, and representation of clients investing in affordable housing projects in Vermont.  The Firm has also prepared standard form commercial loan documents for several banks and institutional lenders in the state.

 

Specific areas of practice of the Firm’s Banking & Finance Practice Group include the following:

 

·        Letters of Credit

 

·        Commercial Lending

 

·        Real Estate Finance

 

·        Regulatory Matters

 

·        Municipal Bond Credit Enhancement

 

·        Equipment Leasing

 

·        Licensed Lender Issues

 

·        Defense of Lender Liability Claims

 

·        Workouts and Loan Restructuring

 

·        Trust Services

 

·        Affordable Housing Projects

 

Attorneys:

 

Thomas R. Melloni

Shane W. McCormack

Anja Freiburg