Matthew Joseph focuses primarily on structured finance transactions. He regularly represents issuers and underwriters in public offerings and private placements of asset-backed securities, and 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. He also represents large financial institutions in structured lending transactions both on balance sheet and in commercial paper conduit transactions as well as in acquisition financing transactions.
Matthew structured the securitization of 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, marketplace loans, 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, in both the term and the conduit markets.
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 EuromoneyGlobal Securitisation Review.
Matthew has been named a leading practitioner in the field of securitization by Chambers USA: America’s Leading Lawyers for Business and by International Financial Law Review. Chambers notes that clients recognize him for his “work helping companies manage asset securitization during the market downturn” and have noted him as a “hugely skilled and well-liked young partner’ who is also noted for his technical understanding of esoteric asset classes.”
Cornell University, 1991, Bachelor of Science
University of Pennsylvania Law School, 1994, Juris Doctor, Cum Laude
Awards and Affiliations
Recommended, Finance: Structured finance: securitization, The Legal 500 US (2019)
Ranked, Capital Markets: Securitization, USA, Chambers Global (2011–2019)
Ranked, Capital Markets: Securitization, Nationwide, Chambers USA (2008–2018, 2019)
Highly Regarded, IFLR1000 Financial and Corporate (2019, 2020)
Highly Regarded, IFLR1000 United States (2018, 2019)
Leading Lawyer, Capital Markets, Capital Markets: Derivatives, Capital Markets: Equity, Capital Markets: Structured Finance and Securitization, IFLR1000 (2016–2018)
Recommended, Structured Finance, The Legal 500 (2014–2015)
Leading Lawyer, Derivatives, IFLR1000 (2011, 2013)