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Banking

Amid sweeping sectoral change, we're supporting financial institutions to realise their goals.

Our multi-disciplinary banking and finance team works with organisations across the sector. These include, but are not limited to, the major Australian banks, foreign banks, credit unions, mutual banks and regional banks. We advise on regulatory issues, financing products, commercial lending and capital raising. In addition, our solutions cover operational issues such as conduct risk mitigation, outsourcing, employment, tax, managing disputes and also credit and investment funds.

  • Regulatory
  • Financing
Regulatory

Our team's banking regulatory expertise encompasses all technical and commercial aspects of this highly regulated industry. We understand the key areas of interest to regulators such as APRA and ASIC, and assist clients to deal with changing regulations and prudential standards amidst constant political, regulatory and community scrutiny.

A snapshot of our work includes:

  • AFS & credit licences
  • Product development, variation & improvement, product and services promotion, distribution & disclosure exemptions
  • Anti-money laundering, counter terrorism financing, FOFA, privacy & Australian Privacy Principles
  • Credit regulation & compliance, including responsible lending, home loan/personal loan/credit card advertising & product development, banking code of practice & systemic non-compliance
  • Compliance for material outsourcing, changes to business channels, technology & platform changes
  • New product distribution channels, including on-line portals, representative networks with brokers & aggregators
  • Debt collection, security enforcement, bankruptcy, insolvency, mortgagee sales
  • Securitisation, sale & acquisition of loan portfolios and business assets
  • Impact & opportunities of fintech, peer-to-peer lending, blockchain.
Financing

We work across the full spectrum of financing transactions, including corporate finance, project finance, including for PPPs, asset and structured finance, securitisation and debt capital markets transactions, including listed bonds.

Corporate lending / Syndications, acquisition and leveraged finance:

  • Senior secured, subordinated & mezzanine debt facilities
  • Unsecured facilities
  • Bridge loans
  • Restructures
  • Club, bilateral & other corporate finance transactions.

Property finance

  • Construction & development finance, across the residential, retail, commercial, industrial, hotel & tourism, and aged care sectors, including JVs, co-ownership arrangements, and PPPs
  • Financing of REITs (listed and wholesale) and managed investment schemes.

Project finance

  • Infrastructure & resources financing, across the energy, oil & gas, water, transport, mining & minerals, social infrastructure and telecommunications sectors
  • PPP project financing, working with governments, financiers & private sector consortia.

Structured finance

  • Securitisation
  • Debt capital markets
  • Derivatives
  • Asset finance.

Recent developments

Markets Outlook 2017 James Hutton

James Hutton looks at the bond market and emerging trends.

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Experience


Hitachi Construction - short term unsecured credit facility worth AUD$450 million to refinance existing financial indebtedness in acquiring Bradken Resources

RSEA (Champ Ventures) - alternative financing through the issue of notes to retail investors


Acting for lenders in relation to $370m facility to a Middle Eastern government body secured by a portfolio of hotels including Novotel Darling Harbour, Novotel and Ibis Sydney Olympic Park, Novotel Canberra, Ibis Darling Harbour and Pullman Sydney Olympic Park.


RedZed Lending Solutions - acquiring a portfolio of commercial and asset finance businesses worth AUD $240 million from ME Bank.