Joseph Topolski

Joseph Topolski represents issuers, underwriters, placement agents and investors in asset-backed securitizations and other structured finance transactions. He has worked on transactions involving a wide variety of asset classes, with an emphasis on retail auto loans, retail auto leases and dealer floorplan finance receivables. Mr. Topolski has extensive experience with public and private offerings, domestic and cross-border offerings, term note and variable funding note offerings, existing asset and future flow transactions and single-seller and multi-seller commercial paper conduits.

Mr. Topolski was a senior member of the Global Structured Finance Group in the Office of the General Counsel of Ford Motor Credit Company LLC from 2004 to 2007. At Ford, he was part of the group responsible for overseeing all aspects of the company's securitization programs in the United States, Canada, Mexico, Europe (including the UK, France, Spain, Italy and Germany), Japan and Australia, with an outstanding issuance of over $100 billion.

Representative Experience

• Public and private securitizations of auto loans, auto leases, dealer floorplan loans, mortgages, home equity loans, franchise loans, commercial mortgage loans, home equity lines of credit and equipment leases, including master trust, owner trust, REMIC, grantor trust and debt-for-tax structures;
• Single-seller and multi-seller asset-backed commercial paper conduits, including extendable commercial paper facilities;
• Derivatives transactions utilizing ISDA documentation, including interest rate swaps and caps, total return swaps, currency swaps and credit default swaps; and
• Cross-border, future flow securitizations of credit card receivables, merchant voucher receivables, interbank electronic payments and export products for clients in Brazil, Mexico, El Salvador, Turkey, Lebanon and Thailand;
• Cash-flow and market-value CDO, CBO and CLO transactions; and
• On- and off-balance sheet secured warehouse lending facilities.

Memberships and Affiliations

Mr. Topolski is a member of the State Bar of Michigan and the American Securitization Forum.

Education and Bar Admissions

Mr. Topolski received his bachelor’s degree from the University of Michigan and his Juris Doctor from the University of Michigan Law School. He is admitted to practice in Michigan and New York.