David H. Rubin

Partner

Direct (314) 552-6501

Fax (314) 552-7501

Overview
Affiliations
Clients
Matters
Noteworthy
Speeches

David practices in the firm’s banking and commercial finance area. His practice includes representing banks and other financial institutions in a wide variety of commercial finance transactions including secured and unsecured lending, real estate finance and loan workouts. He has worked on loans and other transactions involving many different types of borrowers including correspondent banks, broker-dealers, real estate developers, national retailers, health care providers, law firms, transportation companies, domestic and multinational manufacturers. He also has extensive experience in counseling financial institutions and other clients in other areas of commercial and banking law including cash management, bank collections and deposits, letters of credit, creditors rights and the Uniform Commercial Code.

American Bar Association

The Missouri Bar

Bar Association of Metropolitan St. Louis

Missouri Bankers Association, Bank Counsel Division

1st Farm Credit Services

Eagle Bank and Trust Company of Missouri

Fifth Third Bank

First Bank

Missouri Higher Education Loan Authority

Rabo AgriFinance, Inc.

U.S. Bank National Association

Wells Fargo Bank, National Association

Represented agent bank in a syndicated $500,000,000 senior revolving credit facility to a large, international broker-dealer

Represented lead bank in a $520,000,000 master participation facility of loans to employee/shareholders of multi-national construction and mining company

Represented agent bank in a syndicated $75,000,000 senior revolving credit facility to a public utility holding company and represented two lenders in respective $30,000,000 and $20,000,000 bilateral revolving credit facilities to natural gas distribution utility subsidiary of such holding company

Represented agent bank in syndicated $85,000,000 senior asset based lending credit facilities to a global transportation, moving and relocation service company (which included a C$10,000,000 Canadian facility)

Represented agent bank in syndicated $56,000,000 senior revolving credit, term loan and letter of credit facilities to a producer of meat and other food products

Represented lender in separate revolving credit facilities ($203,000,000 and $28,000,000 respectively) to two large regional hospital systems, to finance the purchase of auction rate securities

Represented lead bank in $175,000,000 master participation facility of loans to limited partners of large, international broker-dealer

Represented agent bank in $43,000,000 senior revolving credit and term loan facilities to manufacturer/distributer of bore sizing and honing equipment

Represented lender in $18,000,000 senior asset based lending facility to regional trucking company

Represented correspondent banking division of super-regional national bank in numerous bank-stock secured loans and other credit facilities to downstream correspondent bank customers (ranging from $5,000,000 to $50,000,000+)

Represented broker-dealer lending division of super-regional national bank in numerous bilateral revolving credit facilities to broker-dealer customers for the purpose of financing firm-owned and customer-owned securities (ranging from $10,000,000 to $200,000,000+)

Represented special assets division of super-regional national bank for almost 20 years in many commercial loan workouts, involving loans ranging from $100,000 to $25,000,000+

Selected by his peers for inclusion in The Best Lawyers in America® 2012 (Copyright 2011 by Woodward/White, Inc., of Aiken, S.C.): Banking and Finance Law and Financial Services Regulation Law; 2012 St. Louis Financial Services Regulation Law Lawyer of the Year

Speaker, “1990 Revisions-Uniform Commercial Code Articles 3 and 4”, University of Missouri-Columbia School of Law, The UCC: The Big Picture and its Application to your Practice

Speaker, “Recent Developments in the Uniform Commercial Code”, “Letters of Credit”, National Business Institute, Inc., Recent Developments in Bankruptcy and Commercial Law in Missouri

Speaker, “Commercial Loan Workouts-Documentation Issues”, Lorman Education Services, Commercial Lending Requirements and Loan Documentation in Missouri

Speaker, “Practicing UCC Attorneys Answer Article 9 Questions”, Missouri Bankers Association, 8th Annual Bank Counsel Conference

Speaker, ”Multi-Bank Loans-Syndications and Participations”, Missouri Bankers Association, 9th Annual Bank Legal Issues Conference

Speaker, “Effective Letters of Credit-Don’t Give the Bank Away”, Missouri Bankers Association, 10th Annual Bank Legal Issues Conference

Speaker, "Bank Participations and Syndications: New Challenges in a Weak Economy for both Originating and Participating Banks", Missouri Bankers Association, 18th Annual Bank Legal Issues Conference