Jonathan Kotter

Partner

Salt Lake City

801.257.1903

People•Jonathan Kotter

Jon Kotter’s practice is focused on commercial finance from both a lender’s and borrower’s perspective. He regularly assists regional and national banks, private lenders, commercial borrowers and others in negotiating, structuring, documenting and working out a broad array of financial transactions, including real estate secured construction, bridge and permanent financing for office, multifamily, retail, hotel and other projects located across the United States. He is experienced in syndications, securities-backed lines of credit, tax increment financing, commercial mortgage-backed securities (CMBS), life insurance company and other permanent lending, letters of credit, subscription facilities, low-income housing and other tax credit based lending, and legal opinions. Jon also advises lenders on foreclosures and loan assignments/assumptions and related matters.

Representation of a fund as the lender of a real estate secured construction loan in excess of $30MM
Representation of a national bank in financing the acquisition and construction of capital improvements of independent living facilities located in multiple states
Representation of a borrower in office construction financing from life insurance company lender in excess of $30MM
Representation of a national bank as administrative agent of syndicated $100MM subscription line of credit
Representation of national bank in the extension of a construction-to-perm office loan in excess of $20MM
Representation of multiple lenders in the extension and modification of securities-backed lines of credit
Representation of a private lender in an extensive workout of a construction loan secured by real and personal property, including a hotel project subject to historic tax credit restrictions
Representation of a national bank in its extension and modification of construction, term and equity bridge loans secured by affordable multifamily housing projects, borrower equity and other personal property collateral
Representation of multiple CMBS borrowers for office projects across several states
Representation of letter of credit issuer in regard to entering into a syndicated credit facility with a $250MM letter of credit sublimit
Representation of a national bank in the creation of a large personal property secured lending platform for employees of the bank’s client

J. Reuben Clark Law School, Brigham Young University (J.D., cum laude, 2012)
- Executive Editor, Brigham Young University Law Review
- Dean's List
- BYU Varsity Track and Cross Country Teams
Brigham Young University (B.S., Business Management, 2009)
- BYU Varsity Track and Cross Country Teams

State Bar of Utah
- Banking and Finance Section Vice-Chair
J. Reuben Clark Law Society
BYU Management Society
American Bar Association

"Letters of Credit,” Co-Presenter, Utah CLE Presentation (August 2018)
"Personal Property and the UCC: Secured Parties' Rights and the Remedies in Troubled Times," Co-Author, Utah Banker (Issue 2, 2017)

Utah’s Legal Elite: Banking/Financial, Utah Business Magazine (2022)
Mountain States Super Lawyers^®, Rising Stars Edition, Banking (2021-2022)
The Best Lawyers in America®: Ones to Watch, Banking and Finance Law (2023)

Utah Second District Court, Law Clerk (2012-2014)
Morgan, Minnock, Rice & James, L.C., Law Clerk (2011)
Utah Fourth District Court, Judicial Extern to Judge Samuel D. McVey (2010)

Italian

Utah

Supreme Court of Utah

Jonathan Kotter

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