Julie Hamilton is a banking and finance attorney in Snell & Wilmer’s Commercial Finance practice. She has extensive experience representing regional lenders, national banks, and private lenders in a wide range of complex lending activities, with a focus in real estate secured financing and the workout of such credits. Her representation includes the structuring, documentation, negotiation, and closing of various lending transactions. Prior to practicing law, Julie spent nearly ten years in the banking industry as a commercial banker for a large commercial bank, giving her a unique perspective on the needs of financial institutions and businesses and a deep appreciation for the value of relationship management.
Experience
Real Estate Secured Transactions
Julie represents lenders on all forms of commercial loans secured by real property, including term loans, construction loans, and combination construction and term loans, for multi-family projects, retail buildings, office buildings, mixed-use projects, residential subdivisions, and mobile home parks.
Affordable Housing Finance
Julie also handles complex affordable housing lending transactions involving funding from various sources such as low-income housing tax credits (LIHTC), tax-exempt bonds, and government sponsored loans and grant programs.
Homebuilder Finance
Julie represents lenders with credit facilities for production homebuilders, including various forms of financing for the acquisition and development of raw land into residential lots and the construction of residential homes or units on finished lots.
Complex Commercial and Industrial Finance
Julie represents lenders with complex commercial loans secured by traditional commercial assets such as inventory, accounts receivable, and crops, as well as lending for hotels, senior assisted living, and industrial projects.
Loan Workouts
Julie assists clients with the workout and restructuring of commercial real estate secured loans, including restructuring guidance, pre-workout negotiations, forbearance agreements, receivership actions, deed-in-lieu transactions, and non-judicial foreclosures. She has broad experience in all forms of workout, including bankruptcy and receiverships, and works closely with the firm’s litigation attorneys to ensure a seamless transition when a workout escalates to court action.