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Ryan Melcher is Counsel to the firm’s Corporate Department and is a member of both the Lending & Financial Services Practice Group and the Mortgage Banking and Finance Practice Group.
Mr. Melcher has extensive experience representing clients in connection with a wide range of transactions relating to performing, non-performing and re-performing mortgage loans, home equity loans, and small balance commercial loans. This experience includes advising institutional investors, hedge funds and loan servicers in connection with loan purchase and sale transactions, servicing rights purchase and sale transactions, loan servicing and subservicing arrangements, loan warehouse financing and repurchase facilities, outsourcing arrangements, asset-based securitization transactions, and the litigation of disputes relating to the foregoing.
Mr. Melcher also has extensive experience counseling both lenders and borrowers in all aspects of secured and unsecured financing transactions and workouts, including the counseling of clients in connection with acquisition financings, project financings, asset-based financing transactions, debtor-in-possession financings, factoring arrangements, loan participations, intercreditor arrangements and secured party foreclosures and sales.
Some of Mr. Melcher's recent representative transactions include:
- Representation of domestic subsidiary of a foreign public company in connection with $138 million debt financing for acquisition of manufacturing business
- Representation of federal savings bank in connection with $28 million sale of mortgage servicing rights to governmental agency
- Representation of educational product provider in connection with $175 million senior secured notes offering and simultaneous refinance of $40 million asset-based financing facility
- Representation of producer of paperboard products in connection with a pre-packaged plan of bankruptcy and related $180 million debtor-in-possession and post-bankruptcy term loan and revolving loan financing
- Representation of mortgage servicer in connection with assumption of servicing responsibilities with respect to 5,700 mortgage loans included in eight separate securitization transactions
- Representation of national bank in connection with $10 million asset-based lending facility provided to factoring company
- Representation of large clothing retailer in the $27 million sale of its private label credit card program
- Representation of an insolvent mortgage loan originator and servicer in connection with the disposition of assets pursuant to Chapter 11 of the Bankruptcy Code
- Representation of national bank in connection with the strict foreclosure of the assets of defaulted borrower in the restaurant industry
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Dodd-Frank and Asset-Backed Securities: Implementation of Section 945 (Due Diligence)
Metropolitan Corporate Counsel, March 2011
Jonathan Wishnia,
Ryan Melcher,
Beth Williams
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Dodd-Frank And Asset-Backed Securities: Implementation Of Section 943 (Rep, Warranty And Repurchase Disclosure)
Metropolitan Corporate Counsel, March 2011
Jonathan Wishnia,
Ryan Melcher
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Dodd-Frank and Asset-Backed Securities: Implementation of Section 945 (Due Diligence)
Mortgage Banking and Finance Alert, January 28, 2011
Jonathan Wishnia,
Ryan Melcher,
Beth Williams
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University of North Carolina School of Law
(J.D., 2004),
Order of the Coif, Articles and Notes Editor, North Carolina Banking Institute Journal
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Brandeis University
(B.A., 2001),
cum laude
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New Jersey
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