Teresa Tsoi
Partner
Teresa is a debt finance lawyer recognised for her technical excellence and commercial insight, adept at guiding clients through complex financing transactions.
Partner
Teresa is a debt finance lawyer recognised for her technical excellence and commercial insight, adept at guiding clients through complex financing transactions.
Languages: English, Cantonese, Mandarin
Jurisdiction: Hong Kong
Teresa specialises in assisting global banks and financial institutions with intricate financing transactions and restructuring projects. Her extensive experience covers syndicated and bilateral loans, cross-border financing, institutional lending, margin financing and real estate financing, making her a go-to advisor for both lenders and borrowers.
She is also known for her strategic approach in restructuring and insolvency matters, having successfully led numerous high-profile debt restructuring projects involving diverse assets across multiple jurisdictions, acting for both financiers and receivers.
Her ability to deliver tailored solutions is enhanced by her deep understanding of internal banking practices, gained through secondments at Standard Chartered Bank and ANZ Bank.
Teresa has been named as one of Hong Kong's most notable lawyers under 40 by Hong Kong Business, and has been featured as one of the ALB Hong Kong Rising Stars by Asian Legal Business. She has also been ranked as a Rising Star for Banking and Finance (Hong Kong) by Legal 500.
Debt restructuring of loans to Shimao Group
Acted for United Overseas Bank Limited on its HK$12.1 billion refinancing of Shimao Group's Beacon Peak residential development.
Credit bid
Acted for the receivers of a major entertainment conglomerate on defaulted facilities and structured a credit bid for the sale of assets.
Multi-jurisdictional restructuring
Acted for a major bank in its debt restructuring totalling US$201.6 million, involving interests in mines held through Kyrgyz Republic companies, as well as properties, shares and vessels across multiple jurisdictions.
Belt and Road Initiative project
Acted for a prominent PRC asset management group in financing the development of a commercial and residential complex in Vietnam, as part of the Belt and Road Initiative.
Project finance
Acted for leading banks in their provision of loans to Laos state-owned enterprises for the development of smart-grid electricity projects and hydroelectric plants in Laos.
Syndicated loans
Acted for a syndicate of 19 banks, in a HK$6 billion loan arranged for a listed conglomerate in Hong Kong.
Syndicated loans
Acted for multiple bank syndicates in loan transactions backed by mortgage sale and securitisation programs involving Hong Kong property mortgages originated by local banks.
