As counsel to both banks and issuers, Janet understands the business needs driving financial transactions and the relevant legal context that applies to them. Her broad outlook enables her to advise clients comprehensively with the most productive solutions in mind. Janet assists clients with offered transactions relating to a diverse base of assets, including residential mortgage loans (primarily in the reverse space), synthetic credit risk transfer, servicing advances, and other service-related collateral. She also advises clients on financings and bilateral transactions across a wide spectrum of structures and assets, including mortgage servicing rights and excess servicing spread. This breadth of experience allows her to help clients act quickly on market opportunities and innovate new structures in response to investor demand.

Janet is committed to pro bono representation for indigent and underserved clients. She volunteers at the Mobile Legal Help Clinic with the New York Legal Assistance Group and has served as pro bono counsel with the City Bar Justice Center’s clinic at a shelter that aids unhoused mothers and children. In addition, Janet is the firm’s New York hiring partner.  

Bar Admissions

Education
JD, William & Mary Law School, Notes Editor, Environmental Law & Policy Review, 2007

AB, Princeton University, summa cum laude, Phi Beta Kappa, 2004

• Representation of servicers of mortgage loans with respect to all facets of their business, including acquisitions and sales of servicing rights and loans, and financing servicing advance receivables and servicing rights through structured facilities and traditional credit facilities.
• Representation of borrowers and lenders with respect to the financing of residential mortgage loans, servicing rights, servicing advances and residential and commercial mortgage-backed securities.
• Representation of lenders with respect to warehouse and repurchase agreements.
• Representation of sponsors and placement agents in issuances of term and revolving asset-backed securities collateralized by servicer advance receivables.
• Representation of Ginnie Mae in connection with its Multiclass Securities Program.
• Representation of sponsor and servicer in issuance of securities qualifying for the Term Asset-Backed Securities Loan Facility (TALF) sponsored by the Federal Reserve Bank of New York.
• Representation of company in connection with sale of receivables to asset-backed commercial paper conduit.
• Representation of bank-sponsored asset-backed commercial paper conduits in transactions involving receivables, mortgage loans and other financial assets.
• Representation of monoline financial guaranty insurer in connection with exchange offer for over $6.8 billion of insured residential mortgage backed securities, effectively commuting financial guaranty insurance policies related to approximately $3.8 billion of RMBS and approximately $1.2 Billion in loss reserves associated with the insurer's RMBS portfolio.

• E. Randolph Williams Award for Outstanding Pro Bono Service, 2008-2009 and 2010-2011