Mr Krzysztof Lange

Attorney at Law
Director of Banking, Capital Market and Public Finance Department

The Department renders legal advisory service for domestic and international entrepreneurs as well as for banks and finance institutions providing efficient assistance of their activities in changeable environment of free market economy. Lawyers of our department can be proud of their extensive knowledge and experience connected with developing and editing analyses and legal opinions within the scope of banking and finance law, including issues of public finance sector.

The employees of the Department prepare drafts of documents which concern finance transactions, they negotiate conditions for credits and for other banking instruments such as bank guarantees or letters of credit as well as for instruments of other institutions connected with financing service for entrepreneurs by banking sector. Moreover, in connection with realization of such transactions, they prepare analysis of legal status of a given entrepreneur. Our department has also an impressing experience in providing legal assistance for public finance sector, with particular focus on local government units.

Scope of the legal services within the banking, capital market and public finance law comprises in particular:

• preparing legal opinions and advising within the scope of banking and finance law, for finance institutions and for entrepreneurs and entities of public finance sector,
• identifying a legal risk of banking transactions and assessment of securities of a given transaction,
• giving an opinion on instructions and rules for banking instruments and on other by-laws, including organization rules, specimens of contracts and agreements and of other banking forms as far as their legality is concerned,
• instant legal assisting for bank divisions, such as sell division, division of credit risk, and division of managing of credit exposure, by instant legal counseling service and by preparing written legal opinions based on presented documentation and on defined actual state,
• participating in meetings of credit committees without a vote both in a branch of a bank or in its central office,
• rendering a complex legal audit (due diligence) of a commercial company and preparing a subsequent report,
• providing complex legal service for processes of finance and organization restructuring of entrepreneurs,
• legal assisting during client’s actions and duties before a bank,
• creating and giving an opinion on banking instruments for both entrepreneurs and entities of public finance sector, including local government units,
• advising on issues connected with assessment of a transaction between a bank and an economic entity or institution or a physical person, paying special attention to identifying legal risk of particular transactions and to operational research of quality and structure of legal securities for credit exposures, may it be at the stage of making a decision about a credit or concluding a credit agreement or during managing of credit exposures,
• providing formal-legal control upon agreements about particular instruments and upon security agreements,
• using security of credit exposures by such instruments as guarantees from the National Fund for Credit Guarantees (Krajowy Fundusz Poręczeń Kredytowych) or from UE Guarantee Fund (Fundusz Poręczeń Unijnych) or from local guarantee funds,
• complex service during legal disputes within the banking law, including leading negotiations,
• legal service within the subject of vindication of amount due, before and during trial and during an enforcement of a court judgment; among others giving an opinion on the course of undertaken vindication actions, conduct of court cases and of execution proceedings in the role of the attorney,
• participating in bankruptcy proceedings of a debtor by preparing a formal notification of a debt, a plea to distribution plan and other indispensable pleadings in the course of bankruptcy procedure, conducting an action for exclusion of selected properties form the bankrupt’s estate,
• rendering a service of representation of a lawsuit in the remainder of cases, including those after a client’s action or bank employees’ action,
• legal assistance for the public finance sector with special focus on local government units,
• preparing an offer for banking services or for a bank credit necessary for local government units during a procedure of competitive tendering,
• legal service for council investments financed from resources of a local government unit or from EU funds,
• legal service for companies founded by a local government unit,
• legal assistance in relations between a local government unit and its control authorities within the regulations of public finance law,
• giving an opinion on local regulations enacted by a local government unit,
• legal assistance concerning setting up a lottery, and legal representation before tax authorities in a proceeding of giving a permit or during tax inspection,
• legal service for flotation of bonds,
• legal service within the issues of check and bill of exchange law,
• preparing a prospectus, providing legal assistance during flotation of shares, editing information brochures, legal representing before The Financial Supervision Authority (Komisja Nadzoru Finansowego), earlier known as The Polish Securities and Exchange Commission (Komisja Papierów Wartościowych i Giełd).