Mike has been with Ryley Carlock & Applewhite since 1986 and heads up the Phoenix office’s banking and finance practice, which continues to be recognized in U.S. News & World Report’s “Best Law Firms” rankings as a “Tier 1” (top tier) practice in the Phoenix market and continues to be ranked by “Ranking Arizona” as the top banking and finance law firm in the state.
For 33 years, Mike has represented lending institutions and borrowers in commercial real estate and asset-based (including agricultural) loan transactions (including loan originations, workouts and enforcement) and real estate purchases and sales. His experience includes many mixed-use projects, retail centers, office, industrial, multi-family, hospitality and assisted living projects. This includes leasehold loans (including Arizona State Land Department leases), mezzanine loans and loan syndications and participations (both as counsel to the lead lender and as counsel to the co-lenders or participants). Mike often serves as counsel to Wells Fargo Bank, Bank of America, MidFirst Bank, BBVA Compass Bank, Mutual of Omaha Bank and others in their significant Arizona loan transactions, workouts and enforcement activities, and often serves as Arizona lender's or borrower's counsel in multistate loan transactions.
Mike graduated from the University of Notre Dame Law School, where he served as Note Editor of the Notre Dame Law Review. He received his undergraduate degree with honors from the University of Nebraska-Lincoln, where he majored in accounting and economics and spent most fall Saturday afternoons at Husker football games. He practiced public accounting before entering law school and continues to hold a Certified Public Accountant certificate (inactive registrant).
He is a former member of the Board of Directors of the Boys and Girls Clubs of Greater Scottsdale, and has been recognized by the Club for his contribution of many hours of legal work, both during and following his service on the Board, in acquiring the Club's Vestar Branch site and Thrift Store building. His family includes two sons and one daughter from Korea.
Mike has authored numerous published articles on real estate and commercial lending, loan enforcement and income tax issues. Additional publications include the following:
"2016-2017 Arizona Case Law and Legislative Developments Affecting Commercial Real Estate and Lending," Arizona Commercial Mortgage Lenders Association, March 2017
"Recent Arizona Case Law and Other Developments Affecting Real Estate Lending," Arizona Commercial Mortgage Lenders Association, April 2016
"Recent Arizona Case Law and Legislative Developments Affecting Real Estate Lending," Arizona Commercial Mortgage Lenders Association, March 2016
"2015 Arizona Legislative Amendments Affecting Real Estate Lending," Arizona Commercial Mortgage Lenders Association, May 2015
"2015 Update of Arizona's Anti-Deficiency Laws," Arizona Commercial Mortgage Lenders Association, April 2015
"Mixing Things Up," Arizona Real Estate Magazine, Featured Quote Source, September/October 2014
"New Amendments To UCC Article 9," Ryley Carlock & Applwhite Client Alert, July 2013
"An Arizona Lender's Guide To Receiverships," Arizona Commercial Mortgage Lenders Association, March 2010
"An Arizona Lender's Guide to Mechanics' Liens and Stop Notices ," Arizona Commercial Mortgage Lenders Association, June 2008
"An Arizona Lender's Guide to Commercial Real Estate Foreclosures," Arizona Commercial Mortgage Lenders Association, March 2008
"An Arizona Lender's Guide to Loan Modifications," Arizona Commercial Mortgage Lenders Association, February 2008
"Commercial Real Estate Transactions Manual," State Bar of Arizona, Co-Editor, 1989 and 1992
Mike frequently speaks to attorney and banking groups regarding real estate, lending and loan enforcement issues.
- Arizona Commercial Mortgage Lenders Association, Member
- Risk Management Association, Member
- Arizona State Bar Real Property, Business Law and Construction Law Sections
- Maricopa County Bar Association, Corporate Counsel Section, Member
- Nebraska Society of CPAs, Member
Mike has earned an "AV-Preeminent" Rating (5.0/5 Peer Review Rating) from Martindale-Hubbell. He is listed in the current editions of Best Lawyers in America for banking and finance law, in Chambers USA for his work in real estate law, and in Southwest Super Lawyers. Best Lawyers in America selected Mike as the 2017 Phoenix Banking and Finance Law "Lawyer of the Year." In addition, Mike has been named to Ranking Arizona's Top Lawyers by AZ Business Magazine and to Arizona's Finest Lawyers. He has been listed multiple times in Arizona Commercial Real Estate (AZRE) Magazine's "People to Know in Commercial Real Estate."