Tina advises clients on matters involving a broad spectrum of business, legal, regulatory, risk management and compliance issues and has significant in-house and large firm experience working in structured and corporate finance, including with debt, equity and mortgage- and asset-backed securities. Tina is co-head of the firm’s LIBOR Transition Client Service Team and regularly advises clients with respect to all aspects of LIBOR transition and alternative interest rates, including loan and security portfolio transition and model documentation. Tina also represents Ginnie Mae in the issuance of securities pursuant to its government guaranteed multiclass securities program and in enhancements to the program.

Prior to joining the firm, Tina served as general counsel for independent risk at a large US financial institution. In that role, she advised the independent risk organization on legal issues affecting risk management policies and practices, including corporate governance requirements and on regulatory reform related to risk management, enhanced prudential standards for systemically important financial institutions, orderly liquidation of large financial institutions and Basel Committee standards. She also played a leading role in the institution’s US recovery and resolution planning.

Before serving as general counsel for risk, Tina advised the institution’s corporate treasury on global financing programs, including commercial paper facilities, issuances of US covered bonds and synthetic credit-linked notes, securitizations of US, UK, Korean and Malaysian residential mortgage loans, HELOCs, student loans, auto loans and credit cards, and issuances of short and long-term debt in the US, Latin America, Europe, Australia and Thailand. Before that, Tina worked at several large, international law firms.

Relevant Experience

• Represents lenders, borrowers and securitizers in assessing and addressing the risks of LIBOR transition and the adoption of alternative rates, including SOFR.

• Advises lenders on the transition of entire loan portfolios from LIBOR to alternative rates.

• Advises lenders on new model documents implementing alternative rates, including all SOFR variants.

• Represents Ginnie Mae in the issuance of securities pursuant to its government guaranteed multiclass securities program and in enhancements to the program, including the adoption of LIBOR replacement provisions and new SOFR issuances.

• Represents borrowers and lenders in mortgage warehouse facilities, including repurchase facilities.

• Advised on addressing the risks of COFI transition and the adoption of alternative rates.

• Represented issuers, underwriters and asset sellers in public and private offerings of securities backed by US and foreign commercial and residential mortgage loans, HELOCs, manufactured home loans, auto loans and leases, student loans, credit cards and REMIC securities.

• Represented the financial guarantor in the first US triple-net lease securitization with a revolving master trust structure.

• Played a key legal role in launching a major investment bank’s European CMBS platform through securitizations of French, German and UK commercial mortgage loans.

• Represented underwriters and domestic and foreign issuers in US public and private offerings of debt and equity securities, including mortgage and hybrid-REIT IPOs, medium-term note programs and offerings of trust preferred securities.

Education
BA, Clemson University, cum laude, 1993

• LIBOR’s Last Leg: Legislation and Synthetic LIBOR Ease the Transition to SOFR, The Review of Banking & Financial Services