Andrea is an experienced solicitor advising on domestic and cross-border banking and finance transactions.

Andrea specialises in the areas of acquisition finance, real estate and development finance, restructuring and refinancing of debt, debt settlements, debt workouts and enforcement. Andrea advises financial institutions, alternative lenders, corporate borrowers and individual borrowers.

Prior to joining HOS Partners LLP in 2018, Andrea was a senior associate with ByrneWallace LLP, where she worked for over 11 years.

Qualifications

Admitted as a Solicitor in Ireland, 2003

Recent Experience

• Advisor to a company in relation to equity and debt financing for the acquisition and development of a residential site with planning permission for 130 houses. Negotiating the terms of a loan note instrument, unsecured loan note subscriptions and loan note certificates. Negotiating the terms of a shareholders’ agreement. Advising on the re-designation of the company’s share capital and subscription for shares. Drafting corporate and shareholder approvals and ancillary corporate documents. Advising on Section 82 of the Companies Act, 2014 (the Act), drafting summary approval procedure documents and advising on the implementation of the summary approval procedure pursuant to Section 202 of the Act (SAP). Advising on and negotiating the terms of a senior lender facilities agreement for a development loan. Reviewing and negotiating the terms of the security documents including share charges, security over construction documents, guarantees, cost overrun guarantees and subordination agreements. Advising on Section 239 of the Act, drafting SAP documents and ensuring compliance with Section 202 of the Act.
• Advisor (Banking) to the Joyce Group on the sale of a portfolio of 10 Supermarkets to Tesco p.l.c. representing Tesco’s first investment in a portfolio of retail stores in the Republic of Ireland since their entry to the Irish market in 1997.
• Advisor (Banking) to the Griffin Group on the sale of a portfolio of 10 retail convenience stores to Circle K. This was Circle K’s first investment in a portfolio of high street convenience stores in the Republic of Ireland.
• Advising Tier 3 Approved Housing Bodies on financing the acquisition and development of social housing units to include reviewing and advising on facility agreements, local authority Capital Advance Leasing Facility and Payment and Availability documents.
• Advising lenders and borrowers on all aspects of real estate finance, including development loans, financing of commercial and residential loan portfolios and financing the acquisition of investment properties. Advising on the terms of Loan Market Association facility agreements, security documents, guarantees including cost overrun guarantees, side letters and ancillary documents. Drafting corporate approvals and corporate documents. Advising on and drafting inter-company loans. Advising on the application of the Act to each transaction including Sections 82, 238, 239 and 202 of the Companies Act, 2014. Reviewing and approving foreign lawyer opinions.
• Advising lenders and borrowers on the restructuring and refinancing of loans, consensual workouts and debt settlement agreements. Advising on the redemption and release of existing loans, drafting redemption letters and deeds of release and agreeing the mechanics for redemption. Advising lenders and borrowers on company law, consumer law and financial regulation.
• Advising vendors and purchasers in connection with loan sales and the transfer of security. Advising lenders on the sub-participation of loan agreements. Advising lenders and third-party loan servicers and asset managers on enforcement options under facility agreements and security documents.
• Conducting loan and security reviews and managing teams in relation to large scale high volume due diligence projects on behalf of financial institutions, third-party loan servicers and asset managers.