About Michael Ade

Law.
Finance.
Two Worlds.

From the courtrooms of Lagos to the capital markets of Manhattan — a career built on precision, structure, and the relentless pursuit of the right deal.

Michael Ade Taiwo
Michael Ade Taiwo
Vice President · Civic Financial Services
Manhattan, NY

More Than
a Background.

I didn't start in finance. I started in law — specifically, real estate law in Nigeria, where I spent years structuring transactions, navigating complex title issues, and representing clients in some of the most contested property markets on the continent.

That foundation changed everything. While most finance professionals think in spreadsheets, I think in structures. How a deal is legally organized matters as much as the numbers on the page — and most investors find that out the hard way.

"The best deals aren't just well-financed. They're well-structured from the ground up."

After years at the intersection of law and real estate in West Africa — including a role as Head of Deal Structuring & Legal at Sun Planet Co. Ltd. in Lagos — I made the move to the U.S. market. I came not just to change geography, but to bring a different lens to an industry that often treats financing as a commodity.

I sharpened my U.S. market instincts as a Mortgage Banker at Rocket Mortgage, learning the full residential and investor lending landscape from the inside — underwriting, compliance, deal qualification, and the pace that American real estate demands.

Today, as Vice President at Civic Financial Services in Manhattan, I work with real estate investors nationwide — structuring bridge loans, fix & flip financing, DSCR products, and multifamily capital solutions. My clients aren't just looking for a lender. They're looking for someone who reads the deal the way they do.

That's what I bring. Legal precision. Finance fluency. Deal instinct built across two continents.

The Road
Here.

A career that spans two continents, two disciplines, and a decade of deal-level experience.

2026 — Present
Vice President
Civic Financial Services · Manhattan, NY

Leading investor financing solutions at one of the nation's top private lenders for residential real estate investors. Structuring bridge loans, fix & flip products, DSCR term loans, and multifamily capital for investors across the country.

2024 — 2026
Mortgage Banker
Rocket Mortgage · Detroit, MI

Originated and structured residential and investor mortgage products in one of the highest-volume lending environments in the country. Developed deep fluency in U.S. underwriting standards, compliance requirements, and borrower qualification across multiple loan types.

2019 — 2022
Head of Deal Structuring & Legal
Sun Planet Co. Ltd. · Lagos, Nigeria

Oversaw all legal and transactional structuring for a real estate development and investment firm operating across West Africa. Led deal origination, title due diligence, financing negotiations, and cross-border transaction documentation.

2016 — 2019
Real Estate Attorney
Cromwell & Gordon LP. · Lagos, Nigeria

Practiced real estate and commercial law at a prominent Lagos firm. Advised clients on property acquisitions, lease structuring, mortgage documentation, and dispute resolution in one of Africa's most active real estate markets.

Education
MSc Finance
Florida International University

Graduate-level finance training in the U.S., bridging the gap between legal practice and capital markets and laying the groundwork for a career in commercial real estate finance.

Education
Juris Doctor (JD)
Nigerian Law School · Admitted to Practice

Completed legal training and bar admission in Nigeria, establishing the foundation for a career that has since spanned real estate law, deal structuring, and commercial finance on two continents.

The Principles

01
Structure First

Before talking rates, I want to understand how the deal is structured. Legal and capital structure determine outcomes more than the interest rate ever will.

02
Precision Over Speed

Fast closes matter — but not at the cost of getting the wrong product. I match investors to the right capital structure, not just the fastest available term sheet.

03
Long-Term Thinking

A deal well done today is a client for the next ten years. I'm not optimizing for one transaction — I'm building relationships with investors who build serious portfolios.

Ready to talk about
your next deal?