Banking and Financial Services Law

Carson Messinger has represented more than one hundred banks and commercial lenders based in Arizona and other states in a wide assortment of sophisticated secured and unsecured lending transactions and related litigation.

G. Wayne McKellips, Jr. • Carol M. Baron • William A. Clarke • Paul B. Kertman • James A. Burns

Litigation attorneys for this practice area can be found on the Litigation page.

Many of the nation's largest banks and financial institutions have benefited from our tradition for finding innovative legal solutions to the special problems facing lenders in the current environment. In addition, we have the capability to mobilize teams of lawyers and support staff for large-scale transactions and for projects that require rapid response.

Expertise. Carson Messinger attorneys have represented lenders in matters involving:

• loan origination and commitment letters;

• loan documentation and security instruments, including acquisition, construction, and development loans, equipment loans, inventory and receivable loans and residential loans;

• loan restructuring and modification; workouts;

• refinancing;

• lien foreclosure;

• litigation; and

• debt collection proceedings.

Clients. We have assisted in the formation of local banks in Phoenix and elsewhere in Arizona, including the former United Bank of Arizona, for which we served as outside counsel from its inception until its sale to Citibank. We serve a number of national and local banks that have Arizona operations, and we act as local counsel to a number of out-of-state lenders.

Representative Banking and Lending Clients: Alliance Bank of Arizona; Business Loan Center, LLC; CIT Lending Services Corporation; CIT Small Business Lending Corporation; Flagstar Bank; National Bank of Arizona; Stearns Bank Arizona, N.A.; Sterling Savings Bank; Teachers Insurance & Annuity Association of America