Tom Duke has practiced law with Blalack & Williams since 1996 and has over two decades of experience in the financial services industry. After commencing his legal career as a litigation attorney in the banking section of a Dallas law firm, Tom went on to become Assistant General Counsel and Compliance Officer of a major Texas bank holding company. During the banking crisis of the early 1990s, Tom was employed by the FDIC to document the foreclosure and sale of numerous and sizeable commercial and residential real estate properties. During his tenure at Blalack & Williams, Tom has assisted the firm's clients with diverse real estate projects, foreclosure on mortgage loans and Home Equity loans and the development of documents for consumer investment and rental property loans. Tom has developed significant expertise in the Home Equity lending area, and answers credit union questions on a daily basis relating to Home Equity, Mortgage, and Home Improvement lending. Tom provides extensive training for credit unions in all areas of Home Equity lending and is a frequent speaker at Home Equity seminars throughout the state of Texas. Tom also assists the firm's clients in their review of all types of vendor contracts and loan agreements.