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Michael T. Cecka

Fax +1.704.331.7598
Mike Cecka is a partner in the Charlotte office of the firm’s finance group where real estate finance and loan servicing is the focus of his practice, representing national, international and regional lenders, master and special servicers, and other investors in connection with various structured finance transactions, including CMBS and balance sheet mortgage loans, private bank lending, mezzanine debt, and other credit facilities secured by single or multi-property portfolios secured by all commercial asset classes.

Professional Background

Prior to joining the firm, Mr. Cecka served as a partner at another international law firm in Charlotte.


  • North Carolina Pro Bono Honor Society (2017)
  • Moot Court Board, Walter F. George School of Law

Professional/Civic Activities

  • Junior Achievement of the Central Carolinas, Inc. (Board of Directors - August 2015 - October 2018, outside counsel 2013 to present)
  • Spay Neuter Charlotte - outside counsel
  • Mecklenburg County Bar (former chair of Nonprofits and Client Pro Bono Committee)
  • North Carolina Bar (former member of 26th Judicial District Bar Candidates Committee)
  • North Carolina Bar Association
  • American Bar Association
  • Commercial Real Estate Finance Council
  • Mortgage Bankers Association
  • Counsel to leading mortgage lenders and loan portfolio master and special servicers in connection with loan sales, workouts and restructurings, loan transfers, assumptions and defeasance, and other lender consent and servicing issues, including (i) defeasance of the fixed-rate portion of a $2 billion mortgage loan in connection with the acquisition of an international hotel chain; (ii) representation of a servicer and special in connection with the servicing and workout of a $1.5 billion loan (consisting of senior and mezzanine debt) secured, in part, by 55 office buildings located in southern California; (iii) counsel to master servicer in connection with modification of $1.55 billion loan secured by full service hotel an casino; and (iv) counsel to mortgage loan master servicers in connection with real estate and cash management issues and property releases related to large loan and single asset securitizations.
  • Counsel to lenders and equity owners in connection with complex corporate sale lease-back transactions and build-to-suit programs, which are focused on credit tenant occupants under triple-net or bondable leases, highlights including (i) $48.7 million construction loan for 1.5 million of leasable space located in Wilmington, Illinois (ii) $150 million built-to-suit program for 90+ retail sites located throughout the continental U.S.; (iii) $44.8 million industrial warehouse located in DeKalb, IL; (iv) $42.6 million corporate office headquarters located in Berkeley, MO; and (v) $9.5 million, 80,000 sq. ft. call center located in Winchester, KY.
  • Origination counsel to leading institutional lenders in various structured finance transactions, including CMBS as well as portfolio/balance sheet lending, private bank lending, mezzanine loans, and other credit facilities secured by single or portfolios of multifamily, office tower, warehouse, retail, industrial and medical office properties.
  • Counsel to private banks and other investors in connection with tailored lending programs focused on high-net worth individuals and affiliated entities, including the issuance of term loans and revolving credit facilities secured by various asset classes.
  • Counsel to regional lenders in connection with the restructuring of an approximately $107 million revolving credit facility secured by assets including over 675 platted residential lots, 3,500 acres of undeveloped land and eight golf and country clubs.
  • Counsel to a regional developer in debt modification of approximately $106.5 million in revolving debt secured by real estate platted residential lots and undeveloped land.
  • Counsel to the co-lead lender in a $475 million revolving credit facility to a tenant-in-common structure collateralized with multifamily property located throughout the United States.