Mr. Hiner represents borrowers and lenders on a wide variety of corporate finance, securitization, acquisition and other transactions. For over a decade, Mr. Hiner's practice has had a particular focus on the mortgage servicing business. Hiner also represents servicers in their borrowing arrangements, and banks arranging financing for servicers, in traditional syndicated loan facilities and structured, securitized facilities, collateralized by servicer advance receivables and by other servicing assets, including design of master trust structure combining revolving notes and term ABS to maximize borrowing efficiency. He also has represented mortgage servicers and owners of mortgage servicers in M&A transactions, both on the buy and the sell side, and has a particular focus on acquisition financing in mortgage servicing M&A, representing buyers and sellers in three of the largest servicing M&A transactions that have been closed in the wave of consolidation resulting from the financial crisis. He also regularly advises mortgage servicers on contract interpretation, strategic initiatives, compliance, policy matters and in commercial litigation. He has represented numerous parties in connection with joint ventures and capital formation, particularly in the consumer finance company area, particularly mortgage lenders, manufactured housing lenders and credit card issuers, including start-up, venture capital equity and debt investments and strategic alliances, development of lending operations and warehouse financing, loan purchase and sale agreements, public and private equity offering documents and the SEC IPO registration process, and long-term financing through the securitization markets, in private and public offerings. Hiner represents lenders and borrowers on secured mezzanine and subordinated financing of commercial real estate development projects. He has also represented several financial guaranty insurers on public asset-backed securities transactions, and securing of a major monocline insurance company. He received his B.A. from the University of Virginia in 1986, and his J.D. from Duke University School of Law in 1989.
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