

Julia A. Carpenter
Partner
Office: Carmel
jcarpenter@kdlegal.com
p: 317-238-6273
f: 317-636-1507
Julia Carpenter is the Chair of the firm's Commercial and Real Estate Lending Practice. Her practice is devoted primarily to commercial and real estate lending, banking, real estate, corporate finance, and general corporate matters. She has over 30 years worth of experience in commercial lending transactions representing both lenders and borrowers, including secured and unsecured lending, construction lending, tax credit financings (LIHTC, HTC and TIF), syndicated transactions, letters of credit, leveraged acquisitions, real estate financings, subordinated financings and ESOP transactions which require financing. Ms. Carpenter currently serves as Chair of the Firm's Diversity, Equity and Inclusion Committee. Additionally, during her tenure at Krieg DeVault, Ms. Carpenter has served on the firm's Marketing Committee, House Committee, and a variety of ad hoc committees.
Representative Experience
- Represented a financial institution in connection with the negotiation and documentation of $17,000,000 in secured credit facilities to a medical holding company to finance the formation of an ESOP
- Represented a financial institution in connection with the negotiation and documentation of a $40,000,000 syndicated loan transaction secured by personal property and real property involving a medical practice group with multiple locations, including the financing of the construction of a new facility and the renovation of an existing facility
- Represented a financial institution in connection with the negotiation and documentation of a $60,000,000 syndicated loan transaction secured by personal property and real property for a multi-state landscaping company
- Represented a large regional utility contractor in connection with the negotiation and documentation of $33,000,000 in credit facilities from a financial institution to finance the formation of an ESOP
- Represented a financial institution in connection with the negotiation and documentation of a $25,000,000 unsecured line of credit to a public utility
- Represented a financial institution in connection with the negotiation and documentation of a $150,000,000 syndicated loan transaction involving buy here/pay here automobile finance company
- Represented a financial institution in connection with the negotiation and documentation of a $50,675,547 construction loan and a $53,249,458 construction loan for student housing in Ann Arbor, Michigan and Tempe, Arizona, respectively
- Represented a national storage facility entity as local Indiana counsel in connection with the negotiation and documentation of a $200,000,000 credit facility from a syndicated group of financial institutions
Professional Associations
- Executive Women in Finance, 2016 – Present (Founding Member); 2017 – 2020 (Board Member and Secretary): 2018 - Present (Chair of Book Club)
- Little Star Center, 2014 - Present (Board Member and Secretary)
- Women's Network Forum, 2017 - Present (Steering Committee)
- Indianapolis Bar Association, 1988 - Present (Member); Business Law Section, 1988 - Present (Member); 1997 - 1998 (Chair)
- Indiana State Bar Association, 1988 - Present (Member); Business Law Section, 1988 - Present (Member); 2002 (Chair)
- American Bar Association, 1988 - Present (Member)
- IndyCREW, 2000 – Present (Founding Member); Mentor for IndyCREW Mentoring Program, 2015
- ATHENAPowerlink, Indianapolis, Indiana, 2009 - 2013 (Governing Body)
- G.L.A.M., 2009 - 2012 (Board Member)
- Indiana Repertory Theatre, 1998 - 2004; 2005 - 2011 (Board Member); 2009 (Co-Chair of Celebrity Radio Show)
- Butler University Alumni Board, 2007 - 2011 (Board Member)
- Butler University Central Indiana Alumni Chapter Steering Committee, 2007 - 2010 (Member)
- Mu Chapter of Kappa Kappa Gamma House Board, 1995 - 2008; 1998-2008 (Treasurer)
- Auxiliary to the Children’s Bureau of Indiana, Inc., 2000 - Present (Member)
- COLAP, 1996 - 2001 (Board Member)
- Catholic Social Services, 1995 - 1996 (Board Member)
Awards & Recognitions
- Commercial Lending Attorney of the Year in Indiana, Global Law Experts, 2015
- Top Women in Real Estate, Midwest Real Estate News, 2015
- Indiana Super Lawyers, 2004
- Distinguished Fellow, Indianapolis Bar Association, 1998
Seminars & Presentations
- Fundamentals of Acquisition Transactions in Indiana; Financing the Deal", 2007
- “Title Law In Indiana”, NBI, Inc., 1997
- “Commercial Loan Documentation”, Indiana Continuing Legal Education Forum, 1995
Education
- J.D., magna cum laude, Indiana University Robert H. McKinney School of Law, Indianapolis, Indiana, 1988
- B.S., Butler University, Indianapolis, Indiana, 1985
Bar & Court Admissions
- Indiana (1988)
- U.S. District Court for the Southern District of Indiana (1988)
Practices
Industries

Hiking

Travel

Reading
Secured Lender

CFPB Issues Finalized Changes To Regulation F To Implement The Fair Debt Collection Practices Act
December 16, 2020
Secured Lender

Indiana Supreme Court Further Extends Partial Protection of CARES Act Recovery Rebates
November 12, 2020
Secured Lender

IRS Instructs Lenders not to File Form 1099-C for Forgiveness of Paycheck Protection Program Loans
October 1, 2020
Secured Lender

Moratorium on Indiana Residential Foreclosures and Evictions Extended Through August 14, 2020
July 31, 2020
Secured Lender

Seventh Circuit Court of Appeals Reaffirms the Necessity of Adhering to the Bankruptcy Code Text
July 14, 2020
Secured Lender

Reminder: Post-Judgment Interest on Indiana State-Court Judgments Tolled Until August 15, 2020
July 14, 2020
Financial Services

US Supreme Court Rules Structure of the CFPB Unconstitutional, Preserves Bureau's Authority to Operate
June 30, 2020
Secured Lender

A Bankruptcy Court Weighs In: Do Force Majeure Clauses Excuse Commercial Tenants from Paying Rent?
June 23, 2020
Secured Lender

Eviction and Foreclosure Moratoriums Extended to August 31, 2020 for Federally-Backed Mortgages
June 17, 2020
Secured Lender

Changes are Coming to the Indiana Consumer Credit Code - Are you Ready?
June 15, 2020
Secured Lender

TILA and the Right of Rescission: Illinois Adopts One-Year Limitation Period
June 10, 2020
Financial Services

OCC Issues Advance Notice of Proposed Rulemaking Regarding Digital Banking Activities
June 8, 2020
Secured Lender

A Hospital's Bankruptcy Filing Dramatically Changes the Equation for Medical Providers
June 8, 2020
Secured Lender

Indiana Supreme Court Extends Partial Protection of CARES Act Recovery Rebates
May 31, 2020
Secured Lender

Illinois Eviction Moratorium: Relief Extended to Non-Residential Tenants
April 28, 2020
Secured Lender

COVID-19 and Supplemental Proceedings: Illinois Supreme Court Provides Guidance
April 28, 2020
Secured Lender

COVID-19 and the Mortgage Industry: Embracing the Virus on the Legislative and Regulatory Front
April 26, 2020
Financial Services

Paycheck Protection Program and Health Care Enhancement Act Update
April 21, 2020
Secured Lender

Indiana Supreme Court Orders Partial Protection of CARES Act Recovery Rebates Payments
April 20, 2020
Financial Services

Interagency Statement on Loan Modifications and Reporting for Financial Institutions
April 14, 2020
Financial Services

The CARES Act: Provisions Directly Affecting Financial Institutions
March 26, 2020
Financial Services

A Message from Krieg DeVault LLP's Creditors' Rights and Bankruptcy Practice Group on Our Response to the Coronavirus COVID-19 Pandemic
March 23, 2020
Financial Services

NCUA Issues Proposed Rule Allowing Some Credit Unions to Issue Subordinated Debt
January 26, 2020
Firm News

Charles Richert Joins Firm's Financial Institutions and Business, Acquisitions, and Securities Practices
October 1, 2019
Firm News

Krieg DeVault Authors Indiana Chapter of The Secured Finance Network Compendium of Secured Finance Law
September 25, 2019
Thought Leadership

New Wave of Overdraft Fee Class Action Suits Targets Indiana Financial Institutions
September 22, 2019
Thought Leadership

Agencies Adopt Final Rule Excluding Community Banks from Volcker Rule
July 11, 2019
Thought Leadership

Is Your Organization in Compliance With IRS Rules on Employer Identification Numbers?
April 29, 2019
Firm News

Maria M. Vladimirova Joins Krieg DeVault's Financial Institutions Practice Group
March 7, 2019
Thought Leadership

Indiana Court Upholds Department of Financial Institutions Ruling on Auto Dealer Electronic Titling Fees
November 1, 2018
Thought Leadership

Indiana DFI Issues Advisory Letter Reinforcing Position on Dealer Convenience Fees
June 7, 2018
Thought Leadership

President Trump Signs Dodd-Frank Reform Into Law Providing Regulatory Relief to Community Banks
May 29, 2018
Thought Leadership

Court Determines Debtor's Correct Name on Driver's License for UCC-1 Financing Statement
March 5, 2018
Thought Leadership

Is Your Website Compliant with the Americans With Disabilities Act?
February 21, 2018
Firm News

Brett J. Ashton to Speak at the 1st American Financial Services Association Law & Compliance Symposium
January 16, 2018
Firm News

Kelsie L. Breit Joins Krieg DeVault's Commercial and Real Estate Lending Practice Group
July 16, 2019
Firm News

Julia A. Carpenter Named Chair of Krieg DeVault's Commercial and Real Estate Lending Practice
February 17, 2019
Firm News

Krieg DeVault Welcomes Three New Associates - Alexandria M. Foster, Scott C. Frissell, and Ben Vandeventer
October 22, 2018
Firm News

Krieg DeVault Partners John B. Baxter and Robert A. Greising Named to Chambers USA 2018 List
May 10, 2018
Julia Carpenter is the Chair of the firm's Commercial and Real Estate Lending Practice. Her practice is devoted primarily to commercial and real estate lending, banking, real estate, corporate finance, and general corporate matters. She has over 30 years worth of experience in commercial lending transactions representing both lenders and borrowers, including secured and unsecured lending, construction lending, tax credit financings (LIHTC, HTC and TIF), syndicated transactions, letters of credit, leveraged acquisitions, real estate financings, subordinated financings and ESOP transactions which require financing. Ms. Carpenter currently serves as Chair of the Firm's Diversity, Equity and Inclusion Committee. Additionally, during her tenure at Krieg DeVault, Ms. Carpenter has served on the firm's Marketing Committee, House Committee, and a variety of ad hoc committees.
Representative Experience
- Represented a financial institution in connection with the negotiation and documentation of $17,000,000 in secured credit facilities to a medical holding company to finance the formation of an ESOP
- Represented a financial institution in connection with the negotiation and documentation of a $40,000,000 syndicated loan transaction secured by personal property and real property involving a medical practice group with multiple locations, including the financing of the construction of a new facility and the renovation of an existing facility
- Represented a financial institution in connection with the negotiation and documentation of a $60,000,000 syndicated loan transaction secured by personal property and real property for a multi-state landscaping company
- Represented a large regional utility contractor in connection with the negotiation and documentation of $33,000,000 in credit facilities from a financial institution to finance the formation of an ESOP
- Represented a financial institution in connection with the negotiation and documentation of a $25,000,000 unsecured line of credit to a public utility
- Represented a financial institution in connection with the negotiation and documentation of a $150,000,000 syndicated loan transaction involving buy here/pay here automobile finance company
- Represented a financial institution in connection with the negotiation and documentation of a $50,675,547 construction loan and a $53,249,458 construction loan for student housing in Ann Arbor, Michigan and Tempe, Arizona, respectively
- Represented a national storage facility entity as local Indiana counsel in connection with the negotiation and documentation of a $200,000,000 credit facility from a syndicated group of financial institutions
Professional Associations
- Executive Women in Finance, 2016 – Present (Founding Member); 2017 – 2020 (Board Member and Secretary): 2018 - Present (Chair of Book Club)
- Little Star Center, 2014 - Present (Board Member and Secretary)
- Women's Network Forum, 2017 - Present (Steering Committee)
- Indianapolis Bar Association, 1988 - Present (Member); Business Law Section, 1988 - Present (Member); 1997 - 1998 (Chair)
- Indiana State Bar Association, 1988 - Present (Member); Business Law Section, 1988 - Present (Member); 2002 (Chair)
- American Bar Association, 1988 - Present (Member)
- IndyCREW, 2000 – Present (Founding Member); Mentor for IndyCREW Mentoring Program, 2015
- ATHENAPowerlink, Indianapolis, Indiana, 2009 - 2013 (Governing Body)
- G.L.A.M., 2009 - 2012 (Board Member)
- Indiana Repertory Theatre, 1998 - 2004; 2005 - 2011 (Board Member); 2009 (Co-Chair of Celebrity Radio Show)
- Butler University Alumni Board, 2007 - 2011 (Board Member)
- Butler University Central Indiana Alumni Chapter Steering Committee, 2007 - 2010 (Member)
- Mu Chapter of Kappa Kappa Gamma House Board, 1995 - 2008; 1998-2008 (Treasurer)
- Auxiliary to the Children’s Bureau of Indiana, Inc., 2000 - Present (Member)
- COLAP, 1996 - 2001 (Board Member)
- Catholic Social Services, 1995 - 1996 (Board Member)
Awards & Recognitions
- Commercial Lending Attorney of the Year in Indiana, Global Law Experts, 2015
- Top Women in Real Estate, Midwest Real Estate News, 2015
- Indiana Super Lawyers, 2004
- Distinguished Fellow, Indianapolis Bar Association, 1998
Seminars & Presentations
- Fundamentals of Acquisition Transactions in Indiana; Financing the Deal", 2007
- “Title Law In Indiana”, NBI, Inc., 1997
- “Commercial Loan Documentation”, Indiana Continuing Legal Education Forum, 1995
Education
- J.D., magna cum laude, Indiana University Robert H. McKinney School of Law, Indianapolis, Indiana, 1988
- B.S., Butler University, Indianapolis, Indiana, 1985
Bar & Court Admissions
- Indiana (1988)
- U.S. District Court for the Southern District of Indiana (1988)
Practices
Industries
Insights
Secured Lender

CFPB Issues Finalized Changes To Regulation F To Implement The Fair Debt Collection Practices Act
December 16, 2020
Secured Lender

Indiana Supreme Court Further Extends Partial Protection of CARES Act Recovery Rebates
November 12, 2020
Secured Lender

IRS Instructs Lenders not to File Form 1099-C for Forgiveness of Paycheck Protection Program Loans
October 1, 2020
Secured Lender

Moratorium on Indiana Residential Foreclosures and Evictions Extended Through August 14, 2020
July 31, 2020
Secured Lender

Seventh Circuit Court of Appeals Reaffirms the Necessity of Adhering to the Bankruptcy Code Text
July 14, 2020
Secured Lender

Reminder: Post-Judgment Interest on Indiana State-Court Judgments Tolled Until August 15, 2020
July 14, 2020
Financial Services

US Supreme Court Rules Structure of the CFPB Unconstitutional, Preserves Bureau's Authority to Operate
June 30, 2020
Secured Lender

A Bankruptcy Court Weighs In: Do Force Majeure Clauses Excuse Commercial Tenants from Paying Rent?
June 23, 2020
Secured Lender

Eviction and Foreclosure Moratoriums Extended to August 31, 2020 for Federally-Backed Mortgages
June 17, 2020
Secured Lender

Changes are Coming to the Indiana Consumer Credit Code - Are you Ready?
June 15, 2020
Secured Lender

TILA and the Right of Rescission: Illinois Adopts One-Year Limitation Period
June 10, 2020
Financial Services

OCC Issues Advance Notice of Proposed Rulemaking Regarding Digital Banking Activities
June 8, 2020
Secured Lender

A Hospital's Bankruptcy Filing Dramatically Changes the Equation for Medical Providers
June 8, 2020
Secured Lender

Indiana Supreme Court Extends Partial Protection of CARES Act Recovery Rebates
May 31, 2020
Secured Lender

Illinois Eviction Moratorium: Relief Extended to Non-Residential Tenants
April 28, 2020
Secured Lender

COVID-19 and Supplemental Proceedings: Illinois Supreme Court Provides Guidance
April 28, 2020
Secured Lender

COVID-19 and the Mortgage Industry: Embracing the Virus on the Legislative and Regulatory Front
April 26, 2020
Financial Services

Paycheck Protection Program and Health Care Enhancement Act Update
April 21, 2020
Secured Lender

Indiana Supreme Court Orders Partial Protection of CARES Act Recovery Rebates Payments
April 20, 2020
Financial Services

Interagency Statement on Loan Modifications and Reporting for Financial Institutions
April 14, 2020
Financial Services

The CARES Act: Provisions Directly Affecting Financial Institutions
March 26, 2020
Financial Services

A Message from Krieg DeVault LLP's Creditors' Rights and Bankruptcy Practice Group on Our Response to the Coronavirus COVID-19 Pandemic
March 23, 2020
Financial Services

NCUA Issues Proposed Rule Allowing Some Credit Unions to Issue Subordinated Debt
January 26, 2020
Firm News

Charles Richert Joins Firm's Financial Institutions and Business, Acquisitions, and Securities Practices
October 1, 2019
Firm News

Krieg DeVault Authors Indiana Chapter of The Secured Finance Network Compendium of Secured Finance Law
September 25, 2019
Thought Leadership

New Wave of Overdraft Fee Class Action Suits Targets Indiana Financial Institutions
September 22, 2019
Thought Leadership

Agencies Adopt Final Rule Excluding Community Banks from Volcker Rule
July 11, 2019
Thought Leadership

Is Your Organization in Compliance With IRS Rules on Employer Identification Numbers?
April 29, 2019
Firm News

Maria M. Vladimirova Joins Krieg DeVault's Financial Institutions Practice Group
March 7, 2019
Thought Leadership

Indiana Court Upholds Department of Financial Institutions Ruling on Auto Dealer Electronic Titling Fees
November 1, 2018
Thought Leadership

Indiana DFI Issues Advisory Letter Reinforcing Position on Dealer Convenience Fees
June 7, 2018
Thought Leadership

President Trump Signs Dodd-Frank Reform Into Law Providing Regulatory Relief to Community Banks
May 29, 2018
Thought Leadership

Court Determines Debtor's Correct Name on Driver's License for UCC-1 Financing Statement
March 5, 2018
Thought Leadership

Is Your Website Compliant with the Americans With Disabilities Act?
February 21, 2018
Firm News

Brett J. Ashton to Speak at the 1st American Financial Services Association Law & Compliance Symposium
January 16, 2018
Firm News

Kelsie L. Breit Joins Krieg DeVault's Commercial and Real Estate Lending Practice Group
July 16, 2019
Firm News

Julia A. Carpenter Named Chair of Krieg DeVault's Commercial and Real Estate Lending Practice
February 17, 2019
Firm News

Krieg DeVault Welcomes Three New Associates - Alexandria M. Foster, Scott C. Frissell, and Ben Vandeventer
October 22, 2018
Firm News

Krieg DeVault Partners John B. Baxter and Robert A. Greising Named to Chambers USA 2018 List
May 10, 2018