M. Michelle Allred

M. Michelle Allred is an associate in the Business and Finance Department and a member of the Securities; Government Relations, Regulatory Affairs, and Contracting; International; Tax Credits; Bank Regulation and Supervision; and Consumer Financial Services Groups.

Ms. Allred advises financial institutions regarding regulatory matters, including chartering de novo financial institutions, converting to different charters, obtaining Federal Deposit Insurance Corporation insurance of accounts, establishing policies and procedures, and advising boards of directors. She documents, structures, negotiates, and makes applications on behalf of financial institutions for various transactions involving the Utah Department of Financial Institutions, National Credit Union Administration, Office of Thrift Supervision, Federal Reserve, and Federal Deposit Insurance Corporation. She also concentrates her practice on commercial lending, particularly on real estate-secured financing transactions with respect to construction and term loans.

Ms. Allred has experience in lobbying and government relations and has assisted in drafting, negotiating, and securing the passage of several pieces of legislation. She also has experience in advising private, public, and nonprofit companies in general corporate matters, including general formation and corporate governance issues, negotiation of commercial contracts, and various corporate transactions.

Professional Activities

American Bar Association
    Young Lawyers Division – District Representative, Executive Council for Nevada and Utah; Finance
          Board, Member; Credentials Board, Member; Assistant Council Coordinator
    Business Law Section – Task Force on Financial Regulatory Restructuring (Banking Law Committee),
          Member

Utah State Bar Association
    Young Lawyers Division – Elected President, 2009-2010; past Treasurer, President-elect, and Executive
          Council Member
    Utah State Bar Commission – Member, 2009-2010
    Government Relations Committee – Vice Chair, 2009-2010
    Banking and Finance Section – Chair, 2011-present; Treasurer, 2009-2010; past Continuing Legal 
           Education Coordinator

Women Lawyers of Utah

Co-leader, Ballard Spahr's Female Non-Partner Lawyers Affinity Group

Recognition & Accomplishments

Named to "Utah's Legal Elite," Utah Business Magazine, January 2010 and January 2011

Community Activities

Executive Council, Utah Young Benefactors, an affiliate of the Utah Museum of Fine Arts

United Way Young Leaders

Brigham Young University, J. Reuben Clark Law School (J.D. 2005, with honors)
Dean's Fellow; Editor, Brigham Young University Law Review

Marriott School of Management, School of Accounting and Information Systems, Brigham Young University (B.S. 2002, magna cum laude)
Member, Phi Kappa Phi; Member, Golden Key National Honor Society

Utah