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Michael Bahner, Esq.

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Executive Lead, Loan Program Legal & Compliance

Michael Bahner serves as Executive Lead, Loan Program Legal & Compliance at Phoenix Capital Solutions. In this role, he provides legal oversight for the company’s loan program, including transaction document quality, regulatory compliance, legal risk management, and the supervision of legal and compliance personnel. He also serves as the primary escalation point for complex legal and regulatory matters affecting loan origination, administration, enforcement, and secondary-market transactions.

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Michael brings more than two decades of legal, regulatory, and financial-services experience. His background includes advising senior leadership on litigation strategy, contract negotiations, privacy and regulatory compliance, risk management, and dispute resolution. He is particularly effective at translating complex legal issues into practical guidance that can be understood and implemented by operational teams.

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During his career, Michael has led internal legal and litigation functions within highly regulated financial-services environments. He has managed complex legal matters, developed compliance and remediation programs, negotiated agreements across multiple business units, and advised organizations on creditor-debtor law, bankruptcy servicing, special loan servicing, and regulatory obligations.

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His earlier experience includes serving as in-house counsel and a regulatory compliance officer, where he worked directly with state and federal agencies, developed staff training programs, and helped create practical workout and resolution strategies. He also previously operated his own law practice, representing businesses and individuals in matters involving contracts, insolvency, creditor rights, and commercial disputes.

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Michael holds a Juris Doctor and a Bachelor of Science in Business Administration and Economics. His broad experience in financial-services law, regulatory compliance, transaction documentation, enforcement, and dispute resolution makes him well suited to lead the legal and compliance framework supporting Phoenix Capital’s loan program.

Key Credentials

  • Juris Doctor and licensed attorney with more than 20 years of experience in financial-services law, regulatory compliance, litigation, and risk management

  • Thirteen years as Managing Counsel within a major consumer-finance organization

  • Former Chief Regulatory Compliance Officer, serving as a primary liaison to state and federal regulatory agencies

  • Experienced in legal oversight of transaction documentation, UCC compliance, lien enforceability, covenant administration, default management, and borrower workouts

  • Skilled in developing compliance frameworks, supervising legal and compliance personnel, and resolving matters requiring senior legal judgment

Protecting Every Transaction Through Sound Documentation, Regulatory Compliance, and Legal Oversight.

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