Banking and Financial Institutions

Banking and Financial Institutions

 

The banking industry has radically changed over the years, but some things remain the same. Melchert Hubert Sjodin has been helping banks and lending institutions in the Twin Cities area for more than 40 years through our practical, experienced approach to the challenges facing financial institutions.

With our many years of experience, we understand our banking clients and their needs. We work hard to gain their trust and take pride in the fact that they rely on us to help them work through their issues so that they can become more efficient, effective and profitable. Melchert Hubert Sjodin provides clients with the full range of experienced legal representation you would expect from a large firm, with the personal service and excellent value of a smaller firm.

Melchert Hubert Sjodin is a member of the Minnesota Bankers Association and the Independent Community Bankers of Minnesota (ICBM).

Our clients include:

  • Commercial, community, regional and national banks
  • Thrifts
  • Bank holding companies
  • Asset based lenders
  • Government economic development authorities
  • Insurance companies
  • Leasing companies

Services

Bank Operations

  • Branch operation issues
  • Deposits
  • Employee and management issues
  • Relations with holding companies
  • Shareholder issues
  • Transfer of assets

Commercial Lending, Leasing and Loan Documentation

  • 1031 exchanges
  • Acquisition financing
  • Agricultural finance; agri-business lending; family farms
  • Aircraft and watercraft financing
  • Asset-based lending
  • Bond financing
  • Collateralizing and securing loans
  • Commercial and real estate lending
  • Common Interest Communities (CIC)
  • Construction loans
  • Credit enhancements; letters of credit
  • Equipment financing
  • ESOP lending
  • Guaranties
  • Housing grants Investment financing/private equity
  • Loan participation agreements
  • Real estate
  • 501(c) (3) private activity lending
  • Subordinated debt finance
  • Syndicated loans
  • Tax-exempt and tax increment financing
  • Warehousing lines of credit

Corporate Governance

  • Audits
  • Director and officer liability
  • Disclosures
  • Regulatory compliance
  • Shareholder relations

Employment and Human Resources Consulting

  • Agreements
    • Executive compensation agreements
    • Confidentiality and nondisclosure agreements
    • Non-compete agreements
    • Non-competitive / non-solicitation agreements
  • EEOC compliance
  • Policies and handbooks
  • Reductions in force; layoffs
  • Terminations

Financing

  • Acquisition financing
  • Bank holding company transactions
  • Credit enhancement and liquidity support transactions
  • ESOP lending
  • Floor plan and leasehold finance arrangements
  • Franchise financing
  • Health care finance tax-exempt
  • Private client transactions
  • High net-worth transactions
  • Real estate

Government Related Lending

  • 501c(3) Private Activity Lending
  • Economic Development Authorities (EDA)
  • Federal Agricultural Mortgage Corporation (FARMERMAC)
  • Minnesota Housing Finance Authority (MHFA)
  • Small Business Administration (SBA) Lending
  • Tax Exempt and Tax Increment Financing (TIF)
  • USDA Loans
  • Direct Loans to School Districts
  • City and County Financing

Litigation

Loan Restructuring; Workouts and Collections

  • Creditor Bankruptcy Rights
    • Fraudulent conveyances
    • Preferential transfer
    • Reaffirmation agreements
    • Relief from Automatic Stay
    • Preference disputes
    • Discharge litigation
  • Workouts
    • Confessions of judgment
    • Deed in lieu of foreclosure
    • Forbearance
    • Loan amendments
    • Negotiations
    • Receiverships
    • Relinquishment agreements
    • SBA offer in compromise agreements
    • Surrender of collateral
  • Collections
    • Foreclosure
    • Replevin
    • Collection litigation
    • Receiverships

Real Estate Foreclosures

Regulatory Matters

  • Electric Fund Transfers Act (“EFTA”) and Regulation E
  • Equal Credit Opportunity Act (“ECOA”) and Regulation B
  • Fair Credit Reporting Act (“FCRA”) and Regulation V
  • Fair and Accurate Credit Transactions Act (“FACTA”) and regulations
  • Fair Debt Collection Practices Act (“FDCPA”) and Regulation F
  • Home Mortgage Disclosure Act (“HMDA”) and Regulation C
  • Real Estate Settlement Procedures Act (“RESPA”) and Regulation X
  • Truth in Lending Act (“TILA”) and Regulation Z