John W. Headrick

John is a partner whose practice focuses on finance and commercial transactions, mergers and acquisitions, corporate governance, and real estate matters. He has a broad finance practice including representation of financial institutions and borrowers in asset-based financing, real estate financing, agricultural financing, construction financing, working capital financing, letter of credit facilities, and energy financing.

Practice Areas

• Banking & Finance
• Business Transactions
• Contract Review & Disputes
• Business Formation & Organization
• Environmental & Renewal Energy
• Real Estate Development

Mullin Hoard & Brown has built its legal practice on representing local and national banks in loan workouts, lender liability, regulatory compliance and other lending practices. Our attorneys are trusted advisors with a vast knowledge of state and federal regulations who can meet the varying needs of banks and financial institutions. Our services include, but are not limited to:

Regulatory Compliance

Mullin Hoard & Brown has a reputation of representing banks and financial institutions in matters concerning their relationship with various regulatory agencies, such as the Federal Deposit Insurance Corporation (FDIC); Office of Thrift Supervision (OTS); Comptroller of the Currency (OCC) and other multi-state banking agencies. Our banking and finance attorneys have considerable knowledge on UCC issues, regulations on lending limits, capitalization requirements, conflict of interest, bank mergers and acquisitions and other such matters.

Commercial and Consumer Lending

Mullin Hoard & Brown represents lenders in many consumer and commercial lending transactions. We routinely work with clients involving secured loans, unsecured loans and loan modifications. Our banking and finance attorneys have experience with inter-bank participation transactions and are knowledgeable in the preparation of many essential loan documents, including:

• Credit agreements
• Interest rate option
• Subordination agreements
• Collateral agreements
• Purchase and sale agreements
• Letters of credit 

Workouts and Restructuring

Mullin Hoard & Brown represents banks, lenders, and other financial institutions in loan workouts, restructuring, and foreclosure matters, including matters of bankruptcy. We work hard to protect our client’s investments and recover the maximum amount of collateral.

Creditor Rights

Mullin Hoard & Brown has a history of representing a broad suite of financial service providers in cases regarding creditors rights involving commercial and real estate lending for both secured and unsecured loans.

Lender Liability

Mullin Hoard & Brown banking and finance attorneys counsel banks and lending institutions to develop lending policies that help reduce the risk of possible claims. These claims include, but are not limited to:

• Refusal to renew loans
• Refusal to honor loan commitments
• Breach of contract
• Improper foreclosure notices
• Improper foreclosure
• Selling borrowers’ collateral
• Fiduciary duty breach

Duties of Directors and Officers

Mullin Hoard & Brown has represented the FDIC in claims against former directors and officers for over 25 years. This equips our banking and litigation attorneys with unique intelligence to represent banks and other financial institutions on matters relating to the responsibilities of directors and officers. Our directors and officers liability knowledge can help reduce the risk possible claims from a regulatory agency. Our effectiveness in this area is represented by the clients we work with:

• Amarillo National Bank
• Bank of America
• Bank One, Texas, N.A
• City Bank
• First Bank Southwest, N.A.
• Gruver State Bank
• Herring National Bank, National Loan Investors, L.P.
• South Plains Financial Services, Inc.
• Wells Fargo Bank

Our financial institution clients include, but are not limited to:

• Banks
• Trust companies
• Savings institutions
• Asset-based lenders
• Factors
• Commercial finance lenders
• Conduit lenders
• Consumer finance companies
• Mortgage bankers
• Credit card servicers
• Leasing companies
• Public accounting firms
• Special servicers