Francis Trifiro

Expert guidance through a complex commercial loan restructuring

Our regional bank faced significant challenges when a major commercial real estate loan required a complete restructuring. The borrower was cooperative, but the financial and regulatory complexities were daunting. We engaged Francis Trifiro at Norton Rose Fulbright based on a colleague's strong recommendation, and it proved to be an excellent decision. Francis's deep focus on Banking and Finance Law was immediately evident. He seamlessly navigated the nuances of U.S. regulations while coordinating with the firm's Canadian resources when cross-border considerations arose. His four years of experience felt far more substantial in practice; he anticipated issues we hadn't considered, particularly around covenant adjustments and security reaffirmation. His recognition in the field is clearly well-earned. Francis translated dense legal concepts into clear, actionable advice for our internal team and board. He was consistently responsive from his Baltimore office, maintained a calm demeanor under pressure, and drove the process efficiently to a successful closing. The final agreement protected our institution's position thoroughly while being workable for the borrower, ensuring a performing asset. We have since engaged him on two other matters with equal satisfaction.