Michael Smith helps national, regional, and community banks get to closing with the best mix of terms and timelines possible. He works with lenders and borrowers in transactions involving automobile dealerships, community associations, construction projects, and government contracting, along with SBA loans.
Michael counsels loan officers and bank executives on how to structure, negotiate, document, perform due diligence, and close commercial transactions. He is particularly adept at helping close complex transactions and commercial financing deals. He frequently advises clients on how they can improve their processes to improve efficiency and decrease costs.
Clients praise him for his diligent, pragmatic, and knowledgeable approach, one noting, “Whenever I have a difficult, or large dollar deal where I want the confidence of a good counsel supporting me, I turn to Mike Smith and [his team].” Over the years, Michael has helped to close hundreds of millions of dollars in loans, including substantial floor plan financing transactions.
Outside work, Michael is an avid runner who recently began a trip to Normandy with his wife and two children by competing in the Mont-Saint-Michel Marathon, one of the few marathons where the participants can see the finish line from the starting line.
Habitat for Humanity Montgomery County (Finance Committee, 2012-present; Board of Directors 2013-present)