Philip helps financial institutions achieve their business goals in the complicated arena of commercial lending, with a focus on term, revolving, and construction loans secured by real estate and business assets. He has a global understanding of the transaction process, from drafting documents to conducting due diligence and facilitating flow of funds. In addition to the building blocks of secured lending – loan agreements, promissory notes, and the like, he is familiar with interest rate swaps, C-PACE financing, leveraged ESOP transactions, participations, subordinations, and inter-creditor agreements. He is attentive to issues of concern to lenders, including collateralization, debt service, and management continuity.
Philip also deals with an array of other corporate and business matters: environmental compliance, mechanics’ and materialmen’s liens, LIBOR to BSBY/SOFR benchmark conversion, commercial zoning and land use, and the creation, governance, and termination of time-shares and condominiums. Moreover, as a Certified Information Privacy Professional (US) through the International Association of Privacy Professionals, he offers insight into questions of privacy and confidentiality in the healthcare, education, and banking sectors.
During law school, Philip served as a judicial intern with the United States District Court for the District of Rhode Island and the United States Court of Appeals for the First Circuit. He also served as Executive Notes & Comments Editor of the Roger Williams University Law Review, where he sought to amplify diverse voices on timely legal topics.
- Represented lenders financing acquisitions of quick service restaurants and associated commercial real estate across New England and the greater Northeast
- Represented lenders financing a green energy project with total facilities in excess of $65,000,000