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 Financial Services

Our clients include bank holding companies, commercial banks, savings banks, mortgage companies, credit unions, commercial finance companies, insurance companies, and other forms of financial service companies.

Our mission is to partner with our clients to provide high quality, cost-efficient legal services that enable them to achieve their business goals.  The experience and diligence of our banking & financial services attorneys is to succeed in our mission. From negotiating terms of transactions, to assessing and ensuring compliance with regulatory obligations, to litigating and defending your rights and interests, our Financial Services Group provides you with the service you need, when you need it .

We strive to enhance our “value-added” services to our banking & financial services clients through seminars, monitoring of legal and industry developments in New Jersey and the creation of new business opportunities.

Financing Transactions

Secured and unsecured term and revolving-credit financings

Tax-exempt industrial development bond financings

Equipment lease financings

Construction lending

Financing of emerging high technology companies

Conventional mortgage loans

Acquisition financings

Letters of credit

Participation in syndicated financings

Litigation

Lender liability

UCC claims

Forged checks

Class action litigation

Yield spread premiums

Consumer fraud

Commercial and residential foreclosures

Asset recovery including replevin and UCC sales

Improper servicing claims

Automobile loans and servicing

Workouts and Bankruptcy

Bankruptcy and receivership proceedings

Consensual restructurings of troubled loans

Realization of collateral in foreclosure proceedings or by UCC sales

Complex problem loans involving multiple borrowers and a variety of collateral

Mergers and acquisitions of banking institutions

Issuance of trust-preferred securities

Bank Operations

Day-to-day legal counseling

Employee matters including benefits & compensation issues, personnel policies, employee misconduct & investigations, immigration, and litigation

Branch expansion including leasing, real estate development, land use & zoning, and environmental counseling

Protection of intellectual property rights

When appropriate, our banking attorneys call upon attorneys from our firm’s other practice groups. For example, our environmental attorneys may be needed in a lending transaction where ISRA or other environmental laws are an issue.