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Anne E. Klokow

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Anne E. Klokow is a partner in the firm's Orange County office. With more than 30 years of experience with real estate secured loan transactions, Anne represents federal savings banks, national banks and life insurance companies, credit unions and other institutional lenders and investors in commercial and multifamily real estate transactions including permanent, construction, mezzanine, and participating loans. She also has extensive experience representing borrowers in connection with the structuring and closing of complex construction and permanent real estate secured loans. Her more recent financing experience includes representing a national life insurance company with new construction financing and restructuring problem loans for several banks, including two large loan portfolios secured by hotels.

During the early 1990s, and during the most recent downturn, Anne has negotiated and documented on behalf of federal savings banks and national life insurance companies numerous commercial loan workouts and restructurings, including deeds-in-lieu, cash flow arrangements and "friendly" foreclosures, obtaining receivership appointments, and documenting loan restructures arising out of bankruptcy plans. Anne currently represents an SEC receiver in connection with the sale of loans held by the receivership entities, requiring SEC court approval of the transaction and documentation and overbidding procedures at a court auction, required by the court to insure the loan assets are being sold to the highest bidder. Other representation included drafting and negotiating a discounted payoff of a $21 million loan secured by an Internet company achieved through the sale of the Internet company and restructuring of a problem loan that resulted in the successful release of a guaranty made by one of the receivership entities to the senior lienholder.


Anne graduated from the University of California, Santa Barbara, with a B.A., summa cum laude, in 1976 and earned her J.D. from the USC Gould School of Law in 1980.

Bar Admissions

  • California