Matthew P. Joseph

Matthew regularly represents issuers and underwriters in public offerings and private placements of asset-backed securities as well as lenders and borrowers in structured lending transactions both on balance sheet and in commercial paper conduit transactions. He is often involved in structuring innovative transactions with new asset types or unique tax and cash-flow structures, utilizing various forms of credit enhancement and derivatives.

Matthew works with a broad range of financial assets, including automobile loans and leases, cell-phone contracts, church loans and bonds, commercial loans, equipment leases, home equity loans and home equity lines of credit, floor plan receivables, litigation settlement fees, mortgage loans, recreational vehicles, private and federally guaranteed student loans, yen-denominated consumer loans, and unsecured consumer and commercial loans, including such loans originated on marketplace lending platforms.

Matthew regularly represents a variety of financial institutions, including startup investment funds, national banks, Fortune 500 companies and investment banks. Matthew has represented funds and joint ventures in establishing under the fund distressed asset as well as new origination QM and non-QM mortgage loan vehicles allowing for indirect investment by US and non-US persons.

A regular speaker at securitization industry conferences, Matthew has presented on topics such as marketplace loan lending and securitization, student loan securitizations, retail auto loan securitization, the non-prime auto and credit card market, securitization alternatives, and the role of securitization in funding strategies. While a member of the Drafting Committee for the American Bar Association, Matthew contributed to the comment letter to the SEC on the SEC’s proposed rules for asset-backed securities, Regulation AB. He also authored “The Securitisation of Automobile Loans” featured in the 2006–7 issue of the Euromoney Global Securitisation Review and co authored “USA: Trends & Developments” in the Chambers guide from 2021–2023.