John O'Brien

Partner
Contact
P 303.839.3800 | F 303.839.3838

Overview

John O’Brien practices in banking, agrifinance, commercial finance, commercial law, lender liability defense, agriculture law, agricultural transactions, receivership, creditors’ rights, and bankruptcy. He has a national agrifinance practice and has closed over $5 billion in financings on livestock production facilities (including cattle, dairy, hogs, buffalo, poultry, and sheep), public elevators, public warehouses, irrigated farms, dryland farms, ranches, and other commercial enterprises.

John represents national and regional financial institutions and issuers of domestic and international letters of credit securing commodity sales and transactions. He has visited more than 100 livestock production facilities in Texas, Oklahoma, Kansas, Nebraska, Colorado, Wyoming, Iowa, and New Mexico. John has litigated, mediated or resolved lien priority disputes, commercial disputes and cattle frauds throughout the U.S. and has been lead counsel for the primary creditor in more than 200 receiverships in Kansas, Nebraska, Wyoming, Colorado, Iowa, Ohio, and Mississippi.

He regularly practices under the Packers and Stockyards Act and is a Colorado Super Lawyer in the area of Banking. John is a long-time cattle feeder, and grows wheat and corn on his Colorado farms. In 2015, John received both the Barrister’s Best and Peoples Choice Awards for the Best Agricultural Lawyer in Colorado.

John is the Regional Development Managing Partner in the Denver office.

Credentials

Education

  • University of Notre Dame Law School, 1985 (J.D.)
  • University of Vermont, 1982 (B.A., Economics), with distinction
  • University of Vermont, 1982 (B.A., Political Science), cum laude

Bar Admissions

  • Colorado

Court Admissions

  • Colorado Supreme Court
  • U.S. Supreme Court
  • U.S. District Court for the District of Colorado
  • U.S. District Court for the District of Nebraska
  • U.S. District Court for the Northern District of Indiana
  • U.S. District Court for the Northern District of Ohio
  • U.S. Court of Appeals for the Fifth Circuit
  • U.S. Court of Appeals for the Eighth Circuit
  • U.S. Court of Appeals for the Ninth Circuit
  • U.S. Court of Appeals for the Tenth Circuit
  • U.S. Court of Appeals for the Eleventh Circuit

Representative Transactions

  • Represented the lender in connection with documenting a $63,300,000 loan secured by farm assets.
  • Represented the lender in connection with documenting a $26,000,000 loan secured by ranches in three states and livestock.
  • Represented the lender in connection with documenting a $13,750,000 loan secured by farm land and agricultural products.
  • Represented the lender in connection with documenting a $27,750,000 construction loan secured by a branded hotel property.
  • Represented the lender in connection with documenting a $21,372,000 loan secured by a dairy facility and livestock.
  • Represented the lender in connection with $6,217,500 loan secured by commercial office building.
  • Represented the lender in connection with documenting a $7,900,000 loan secured by a multifamily housing facility.
  • Represented the lender in connection with documenting a $33,000,000 loan secured by feeder cattle.
  • Represented the lender in connection with documenting a $37,800,000 loan secured by commercial office buildings.
  • Represented the lender in connection with documenting a $35,000,000 line of credit loan secured by feeder cattle.
  • Represented the lender in connection with $19,672,000 dairy facility and livestock loan.
  • Represented the lender in connection with $29,300,000 loan to acquire multi-family housing project.
  • Represented the lender in connection with refinancing of $11,500,000 line of credit secured by livestock.
  • Represented a financial institution in connection with lease and purchase option of a building.
  • Represented a cooperative in connection with $182,500,000 loan secured by agricultural commodities and facilities.
  • Represented the lender in connection with $19,000,000 loan secured by a dairy facility and livestock.
  • Represented the seller in connection with the sale of a commercial feedlot, related farm land, equipment, and livestock.
  • Represented a lender in connection with $25,000,000 livestock facility loan.
  • Represented the lender in connection with a $25,800,000 line of credit to a medical company.
  • Represented the lender-lessor in connection with a loan to school district to acquire school busses.
  • Represented the lender-lessor in connection with real estate loan to municipality to construct a library.
  • Represented the lender-lessor in connection to with a loan to a Fire District to acquire fire engines and related equipment.
  • Represented the lender-lessor in connection with a loan to a university to construct a laboratory building.
  • Represented the lender in connection with documenting a $25,000,000 loan secured by livestock inventory.
  • Represented a lender in connection with $25,500,000 loan to a private equity fund to complete a business acquisition.
  • Represented a lender in connection with the sale of a bank-owned swine facility.
  • Represented a lead lender in connection with a $19,325,000 participated loan secured by a dairy facility, livestock and feed.
  • Represented a lender in connection with a $16,960,000 construction loan secured by a multifamily apartment complex.
  • Represented a lender in connection with $19,077,000 dairy financing.
  • Represented the seller in connection with $20,000,000 sale of 300,000 deeded, BLM and Forest Service acres in three counties in Nevada.
  • Represented the purchaser in connection with $21,000,000 feedlot and farmland purchase in Nebraska.
  • Represented a lender in connection with $14,000,000 swine facility loan in Wyoming.
  • Represented a lender in connection with $22,000,000 swine facility loan in Colorado.
  • Represented a lender in connection with $4,400,000 swine facility loan in Nebraska.
  • Represented a lender in connection with $12,900,000 swine facility loan in Minnesota and Nebraska.
  • Represented an issuer of Letter of Credit in connection with $10,000,000 agricultural development bonds for a swine production facility in Colorado.
  • Represented the seller in connection with $7,500,000 sale of Nebraska ranch.
  • Represented lender in connection with $16,500,000 poultry financing in Utah.
  • Represented dairy partnership in connection with reconstitution of partnership.
  • Represented lender in connection with $18,180,000 swine facility loan in Colorado.
  • Represented lender in connection with $6,700,000 hi tech company financing.
  • Represented issuer of $12,000,000 letter of credit securitizing agricultural development revenue bonds.
  • Represented the lender in connection with $8,000,000 office building financing in Boulder County, Colorado.
  • Represented the lender in connection with $11,835,000 swine facility loan.
  • Represented the lender in connection with $3,900,000 public grain warehouse loan.
  • Represented the lender in connection with $20,123,000 livestock production facility loan in Colorado.
  • Represented the lender in connection with $8,500,000 office building in City and County of Denver.
  • Represented the lender in connection with $10,000,000 swine facility loan in Colorado and South Dakota.
  • Represented the lender in connection with $12,500,000 swine facility loan in Colorado and South Dakota.
  • Represented the lender in connection with $9,000,000 swine facility loan in Colorado.
  • Represented the lender in connection with making $11,000,000 residential real estate development.
  • Represented the lender in connection with the construction financing of a public library in Colorado.
  • Represented the seller of a livestock service company to a publicly held purchaser.
  • Represented the purchaser in connection with the purchase of farm service company in Georgia.
  • Represented the purchaser in connection with the purchase of farm service company in California.
  • Represented the purchaser in connection with the purchase of farm service company in Florida.
  • Represented the financial institution in connection with the purchase of a Kansas bank.
  • Represented the lender in connection with $4,000,000 line of credit secured by motor vehicles.
  • Served as due diligence counsel for buyer in connection with $800,000,000 purchase of a beef packer.
  • Represented the seller in connection with a $42,000,000 livestock supply contract.
  • Represented the purchaser in connection with the purchase of a poultry supply business located in numerous states in the southeastern U.S. and Caribbean Islands.
  • Represented the lender in connection with the sale of $11,000,000 loan secured by a real estate development.
  • Served as Chairman of Official Unsecured Creditors Committee in a livestock production facility Chapter 11 in Nebraska.
  • Represented the lender in connection with $23,000,000 public grain elevator revolving line of credit in Colorado.
  • Represented the lender in connection with $17,000,000 livestock production facility loan in Colorado.
  • Represented the lender in connection with the sale of a $6,000,000 real estate development loan.
  • Represented the lender in connection with a $30,000,000 loan to a grocery store chain with stores in six states.
  • Represented the lender in connection with $20,000,000 loan secured by a private university dormitory.
  • Represented the lender in connection with the lease purchase of a fire engine and firefighting equipment to a Colorado municipality.
  • Represented the lender in connection with $14,000,000 loan to a Colorado and Wyoming dairy.
  • Represented the lender in connection with the foreclosure of a two-state grocery store chain.
  • Represented the lender in connection with $8,000,000 line of credit to a multi-location farm implement dealership.
  • Represented the lender in connection with line of credit and facility lending on a grain handling and export facility in Missouri.
  • Represented the lender in connection with $8,000,000 dairy loan in Utah.
  • Represented livestock producers in connection with CFTC investigation.
  • Represented the lender in connection with defense of preference avoidance action concerning a livestock line of credit.
  • Represented numerous lenders in connection with numerous lines of credit transactions secured by livestock in over 20 states.
  • Represented numerous sellers in connection with numerous transactions involving the sales of shares in privately owned financial institutions.
  • Represented numerous lessors in connection with numerous lease transactions involving farms, livestock production facilities, and commercial properties.
  • Represented numerous sellers in connection with numerous transactions involving the sales of shares in privately owned farm and livestock businesses.
  • Represented numerous shareholders in connection with the sales or reorganizations of farm and livestock entity reorganizations and reconstitutions.
  • Represented the lead lenders in connection with numerous dairy, swine, beef cattle, and farm financings in Colorado, Texas, Nebraska, Idaho, Iowa, Kansas, Utah, California, Wyoming, Ohio, Indiana, and Arizona.
  • Represented the lenders in numerous commercial and agricultural foreclosures of office buildings, industrial developments, golf courses, recreational facilities, farms, ranches, dairies, and livestock production facilities in numerous states.
  • Represented numerous lessors in connection with numerous lease-purchase transactions of livestock production facilities.
  • Represented numerous lenders in connection with the sales of over 100 foreclosed commercial, farm, ranch, and livestock production facility properties.
  • Represented numerous financial institutions in connection with numerous fraud investigations and fidelity claims.
  • Represented numerous lenders in connection with numerous Chapter 11, Chapter 12, and Chapter 7 cases in numerous states.
  • Represented the lenders in connection with over 100 commercial foreclosures and receiverships in all regions of the U.S.
  • Represented the lead lender in connection with documenting a $12,800,000 participated loan secured by farm land.
  • Represented the lender in connection with documenting a $16,600,000 loan secured by farm land.
  • Represented the lender in connection with documenting a $21,000,000 working capital revolving line of credit secured by inventory and accounts.
  • Represented the lender in connection with documenting a $17,000,000 dairy facility loan.

Representative Cases

  • Oyens Feed & Supply, Inc. v Primebank, 879 N.W.2d 853, Iowa 2016
  • In re Crooked Creek Corp.; Crooked Creek Corp. v. Primebank, 427 B.R. 500, Bankr. N.D. IA. 2010
  • In the Matter of Damrow Cattle Company, Inc.; Stumpf v. Double S. Land & Cattle Co., LLC and the First National Bank of Omaha, 2008 Bankr. LEXIS 1243; 65 U.C.C. Rep. Serv. 2d (Challaghan) 497
  • Ranchers Cattlemen Action Legal Fund United Stockgrowers of America v. United States Department of Agriculture, 415 F.3d 1078, 9th Cir. 2005
  • In re Big Mac Marine; Needler v. Rendlen, 326 B.R. 150, B.A.P. 8th Cir. 2005
  • Commodity Futures Trading Commission v. Delay, 2005 U.S. Dist. LEXIS 25280
  • Big Mac Marine, Inc. v. Jensen, 305 B.R. 309, D. Neb. 2004
  • In the Matter of Damrow Cattle Co., Inc.; Skane, Inc. v. First National Bank of Omaha, 300 B.R. 479, Bankr. D. Neb. 2003
  • Cooperative Finance Association v. B&J Cattle Company, 937 P.2d 915, Colo. App. 1997
  • Spencer Investments, Inc. v. Bohn, 923 P.2d 140, Colo. App. 1995
  • In re Harris, 166 B.R. 163, Bkrcy. D. Colo. 1994
  • In re Kaiser Steel, 87 B.R. 662, Bkrcy. D. Colo. 1988
  • In re Clark, 82 B.R. 131, Bkrcy. D. Colo. 1987

  • National Western Stock Show Association
  • Silver Spur Club
  • Badin Guild

  • Denver Business Journal, Who’s Who In Agriculture, 2023
  • 5280 Magazine, Top Lawyers in Denver, 2016, 2018
  • People’s Choice Award, Best Agricultural Lawyer in Colorado, 2015
  • Barristers Best Award, Best Agricultural Lawyer in Colorado, 2015-2016
  • Colorado Super Lawyers, Banking, 2014-2017
  • Outstanding Lawyers of America Society, Outstanding Lawyers in America, 2002
  • Martindale-Hubbell, AV-Preeminent

  • Thirteenth Judicial Circuit Bar Association
  • Colorado Bar Association, Agriculture Section
  • American Bar Association

  • “Ag Leases:  What Real Estate Lawyers Need To Know About Farm, Ranch And Livestock Facility Leases,” 38th Annual Real Estate Symposium, Colorado Bar Association Real Estate Section, July 2020
  • “Front-End Pitfalls And Perils: What Ag Lending Attorneys Need To Know,” Missouri Bar And Judicial Conference Annual Meeting, September 2019
  • “Pitfalls And Traps For Secured Lenders,” Kansas Bar Association Continuing Legal Education, April 2018
  • “Ag Lending: Transaction And Litigation Issues,” Colorado Bar Association Financial Institution Subsection, March 2018
  • “Organic Farming Business Law,” National Business Institute, October 2016
  • “Certified And Natural Cattle Contracts,” National Business Institute, October 2016
  • “AgriFinance Pitfalls And Traps: What The Lender Wanted To Know Before Closing The Loan,” Colorado Bar Association Business Law Institute, September 2016
  • “Understanding the Workings of the Current Market,” National Business Institute, June 2016
  • “Handling Lien Issues in Livestock Transactions: Tips from a Top Agricultural Attorney,” National Business Institute, June 2016
  • “Livestock Producer and Grower Contracts,” National Business Institute, June 2016
  • “Stock and Fencing Law, Trespass and Liability Issues,” National Business Institute, June 2016
  • “Cattle Law: What The Lender Needs To Know?,” Colorado Bankers Association, November 2015
  • “Ag Lending: Top 10 Mistakes,” Colorado Bankers Association, November 2015
  • “Grain Production Contracts 101,” National Business Institute, July 2015
  • “Cattle Law: Drafting and Negotiating Cattle Industry Contracts,” National Business Institute, November 2014
  • Oh the smell! Zoning battle rages over farm odors,“ CNBC, May 9, 2014
  • Farm bill: Bring on the hemp and sushi rice!,” CNBC, March 13, 2014
  • “Revised Article 9: What Lenders Need to Know,” Lorman Education Services, 2005
  • “Revised Article 9 Secured Transactions: What Colorado Lenders and Practitioners Need to Know,” National Business Institute, 2005
  • “Revised Article 9 Filing and Perfection Rules: What the Lender Needs to Know,” National Business Institute, 2004
  • “Structuring the Commercial Loan: What the Lender Needs to Know,” National Business Institute, 2003
  • “Loan Documentation,” Lorman Education Services, 2003
  • “Current Issues in Lender Liability,” Robert Morris Associates, 1998
  • “Dealing Commodities in a Fluctuating Market: Observations from an Ag Lender’s Attorney,” Colorado Feed and Grain Association, 1996
  • “Colorado’s New Central Indexing System: Observations from a Bank Attorney,” Colorado Secretary of State Lenders Training Seminar, 1996
  • “Current Issues in Lender Liability,” Bank Administration Institute, 1989
  • “Manual for the Conduct of Boards of Directors in Inevitable Corporate Takeover Situations,” 1988
  • “Lender Liability Prevention and Cures,” Colorado Bankers Association, 1988
  • “Business Organizations,” Law Seminar, Inc., 1987
  • “A Bank’s Right to a Security Interest in Deposit Accounts,” 2 Legalities No. 4, 1987
  • “The Sale of Business Doctrine: Landreth Adds New Life to the Anti-Fraud Provisions of the Securities Acts,” Vermont Law Review, 1986

Speaking Engagements

  • Numerous bank loan documentation training seminars to mid-level and senior level loan officers
  • “Front-End Pitfalls And Perils: What Ag Lending Attorneys Need To Know,” Missouri Bar And Judicial Conference Annual Meeting, September 2019
  • “AgriFinance Pitfalls And Traps: What The Lender Wanted to Know Before Closing The Loan,” Colorado Bar Association Business Law Institute, September 2016
  • “Livestock Law: New Regulations, Contracts, Liens, The P&S Act and More,” National Business Institute, June 2016
  • “Ag Lending: Top 10 Lender Mistakes,” Presenter, Colorado Bankers Association, November 2015
  • “Cattle Law: Drafting and Negotiating Cattle Industry Contracts,” National Business Institute, November 2014
  • “The Farm Bill’s Effect On The Livestock Industry: What You Need To Know,” National Business Institute, November 2014
  • “Top 5 Traps – What Ag Lenders Need to Know,” Agri-Access Lenders Conference, Des Moines, Iowa