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Board of Directors

William Freeman


William B. Freeman practices in the areas of insolvency, creditors' rights and finance. Mr. Freeman is a trusted advisor to many domestic and foreign banks, financial institutions, indenture trustees, bondholders, distressed debt investors, fiduciaries and trade creditors. His practice includes all aspects of bankruptcy law, negotiating and drafting commercial credit and collateral agreements for institutional clients in a problem loan or “workout” context, and the Uniform Commercial Code.


Mr. Freeman concentrates his practice in representing:

Financial institutions when acting as administrative agent, collateral agent, successor agent, treasury and cash management bank, steering committee member, participant or indenture trustee.


National, regional and international banks and financial institutions in their largest, most challenging and highest profile matters. Mr. Freeman’s services involve all aspects of UCC Article 9, California’s “mixed collateral” rules, loan workouts, lender liability, loan sales, commercial disputes, debtor-in-possession financing, plans of reorganization, pre-judgment remedies, and foreclosure of real and personal property collateral.


Official and unofficial unsecured creditors' committees and bondholders’ committees in major bankruptcy cases throughout the United States.


Buyers, sellers and investors in the acquisition and disposition of distressed assets, equity and/or claims through bankruptcy proceedings—including 363 sales, secured creditor foreclosure sales and assignments for the benefit of creditors.


Fiduciaries, including trustees, receivers and assignees for the benefit of creditors in complex matters throughout California.


Institutional and individual trade creditors in commercial litigation disputes involving lender liability, credit documentation, collection, reclamation and other credit issues.


Mr. Freeman frequently speaks throughout the country on the subject of commercial loan workouts, the Uniform Commercial Code, finance and bankruptcy matters.

He is a member of the Board of Directors of the Special Assets Management Association.


Honors & Awards

 Chambers USA, Bankruptcy/Restructuring – California (2008–2012)

 PLC Which Lawyer, Restructuring & Insolvency – Los Angeles (2011–2012)

 Southern California Super Lawyers – Bankruptcy & Creditor/Debtor Rights (2008–2012)

Tingting Zhang


Dr. Zhang is the Founder and President of the TerraCotta Group LLC. She is responsible for managing the day-to-day operations of the company and sits on TerraCotta’s investment committee.  


Prior to founding TerraCotta, Dr. Zhang was a senior consultant with the Eurasia Group, a world’s leading economic and political consulting firm. During her tenure at Eurasia Group, she conducted political and economic risk analyses for senior executives of global financial companies and such Fortune 500 companies as Citigroup, AIG, Deutsche Bank, and Price Waterhouse Coopers. She also provided consulting services for the National Intelligence Council of the U.S. Central Intelligence Agency (CIA), and was a primary contributor to the development of the Deutsche Bank-Eurasia Group Stability Index (DESIX), the first and only political risk index on Wall Street.  She has contributed to a number of research projects that were featured in The Wall Street Journal, The Financial Times, Newsweek, and The Economist. She has written and published extensively on the subjects of public finance, central-local relations and environmental issues in developing economies. She has also appeared on CNN, NBC Nightly News with Brian Williams, CNBC, KTLA-TV (Los Angeles), and has been interviewed by the Los Angeles Times and the L.A Daily News. Dr. Zhang co-founded the Special Assets Management Association (SAMA), the only trade association for banking executives in special assets management. She sits on SAMA’s Board of Directors as a Co-Chair. Dr. Zhang holds two Master’s degrees, in Statistics and International Relations as well as a Doctorate in International Political Economy from the University of California, Los Angeles.

Seth Moldoff


Seth Moldoff is a Senior Vice Pesident, Group Head for East West Bank's Special Assets Group, based in San Francisco.  He is also a Senior Credit Supervisor for the Agricultural Lending Division.  He and his team work on resolving complex problem loans.


Prior to joining East West Bank, Seth worked for Wells Fargo Bank for 19 years in their Credit Resolution Group.  Prior to Wells Fargo, Seth worked for AIDC, Ltd, an Australian-based merchant bank, where he worked on making new equity investments in infrastructure projects, and Citibank, where he worked in the asset based lending group and financing highly leveraged buyouts and recapitalizations.  Seth began his banking career with Continental Illinois National Bank in the oil and gas lending division.  Seth has a BA in Economics and Anthropology from Brandeis University, Watham, Massachusetts, and an MBA from the University of Michigan, Ann Harbor, Michigan.  He is married and has three sons.  

Bill Freeman Photo New Seth Moldoff Tingting Photo Berman_J_-0853

Joel Berman


Joel Berman's practice, spanning more than 30 years, includes general business, corporate and commercial law.


Joel assists business owner clients in preparing for, implementing and completing sales and other capital events, such as equity capital raises and borrowings.


As co-chair of the Financial Services Group, Joel is a discerning specialist in secured transactions with an emphasis on asset-based lending, creditors' remedies and loan workouts. In addition, Joel has extensive experience representing all types of lenders and also represents parties in structuring and implementing mergers and acquisitions.


Joel's work principally involves acting as general and strategic counsel for small- and middle- market companies; negotiating stock and asset acquisitions; structuring and documenting all elements of financial transactions, including revolving and term loan agreements, subordinated and senior debt transactions, syndicated transactions, leveraged buyouts, loans secured by all types of collateral, agency, participation and intercreditor agreements, equipment leases and letter of credit facilities; and exercising all forms of creditor's remedies.


In addition to his transactional experience, Joel has extensive experience in conducting and supervising commercial litigation in the state and bankruptcy courts. Joel has been the lead attorney in charge of workouts involving personal property, real property, mixed collateral and unsecured loans for national banks, community banks, mortgage companies, financial institutions, manufacturers and other business entities.