Directors and Agents

The MSA National management team has significant mortgage industry experience and is committed to providing the best level of service possible to our clients. Below is a brief overview of the team:

David Clark

David is a senior lawyer and non executive chairman for MSA National. David has over 30 years experience managing one of the largest mortgage and securities practices in Western Australia.

David practises almost exclusively in banking and property.

David is:

  • The Chairman of the Western Australian Conveyancing Industry Liaison Committee
  • A member of the Western Australia State Government Community Title Advisory Committee
  • A member of the Western Australia Department of Land Information Customer Service Council
  • A member of the Western Australia Law Society Property Committee
  • A member of the Western Australia Steering Committee into Electronic Conveyancing

David also has an array of high net worth clients/developers who rely on him for his extensive knowledge of property law in Western Australia.

David has delivered numerous papers for various groups involved in the property industry in Western Australia.

E: david.clark@msanational.com.au


Sam Makhoul

Sam Makhoul is the Founder and Managing Director of MSA National, based in Sydney.

Sam has renowned expertise in mortgage and securities law and the development of innovative mortgage processing systems. He is considered a thought leader in the mortgage industry and one who is very passionate about the customer experience. He has advised and acted for the 'who's who' of financial institutions, both domestic and international, and holds particular insight into the mortgage industry which he has developed and refined throughout his career. Sam has expertise in all legal and practical aspects of the mortgage process and has presented many keynotes, training seminars and workshops for many originators, mortgage managers, lenders and industry bodies.

When he is not practising law, Sam is a keynote speaker and author. He is an associate member of the National Speakers Association of Australia and an accredited mentor with Thought Leaders Global.

E: sam.makhoul@msanational.com.au


Ayhan Baba

Ayhan Baba is the Chief Executive Officer of MSA National and is based in Sydney. He has over 20 years of international banking and finance experience across a variety of roles including Client Executive, Business Head, Product Management, Strategy and Business Development.

Prior to joining MSA National, Ayhan worked at The Bank of New York Mellon (BNY Mellon) as the Client Executive for the Financial Markets & Treasury Services (FMTS) division, providing strategic oversight of the FMTS businesses which include Corporate Trust, Broker Dealer Services, Global Collateral Management, Alternative Investment Services, Treasury Services, Depository Receipts and Pershing.

Prior to this role, Ayhan was the Corporate Trust, Global Product Manager covering emerging markets and expansion markets where he was responsible for the global implementation of strategy and product management initiatives.

Before to returning to Australia in 2008, Ayhan was based in New York for 3 years as the North America Regional Head for JPMorgan's Global Securities Clearing and Collateral Management businesses. In that time, he sponsored significant investment and product development initiatives and lead structural changes to achieve substantial growth.

Prior to this, Ayhan was based in Tokyo for 2 years and Sydney for 2 years as the APAC Regional Head for JPMorgan's Global Securities Clearing and Collateral Management businesses. He was responsible for establishing, then running the businesses throughout the Asia-Pacific region. Before moving to Asia, Ayhan was based in London for 9 years including more than 6 years with JPMorgan where he was the European Product Manager, then Global Product Manager for the Collateral Management business. He also worked at Warburg Securities in London and at Westpac in Sydney as an analyst in the International Money Market and Foreign Exchange division.

Ayhan holds a Bachelor of Economics degree with majors in Economics and Finance and a minor in Econometrics from the University of New South Wales.

E: ayhan.baba@msanational.com.au


Michael Salmon

Michael is a lawyer and National Director of MSA National and is based in Perth. He has almost 30 years experience in the industry including as the partner in charge of a large mortgages and securities department having acted for a number of lenders, mortgage managers and insurers since 1985.

Michael was a partner in his own law firm Majteles and Salmon for 15 years before joining Phillips Fox for 5 years as a partner and has been with MSA National (and its predecessor) for the last 10 years.

The majority of Michael’s clients are involved in the banking, finance and/or property industries. He has expertise in all aspects of the mortgage and conveyancing processes, from front-end transactions through to the recovery process following default. Michael also has a thorough practical understanding of the mortgage origination business and the operations of mortgage managers.

E: michael.salmon@msanational.com.au


MSA National Agents


Lachlan Andrews

Lachlan AndrewsLachlan is a senior lawyer and MSA National agent based in Adelaide and has extensive experience in property law.

Lachlan's particular areas of expertise include: banking and finance, documenting and settling retail, property and business loans; mortgage industry legislation; consumer credit code, including advising on compliance issues, stamp duty, Lands Titles Office and Revenue SA processes and procedures, and how to efficiently deal with these in the context of volume transactions.

Lachlan is the partner responsible for providing retail mortgage securities documentation to banks, credit unions, mortgage providers and finance companies. Lachlan has been engaged to assist clients in managing their mortgage processing systems.

He has established documents and procedures for several lenders with particular emphasis on the Consumer Credit Code and Banking Code of Practice.


Will Justo

Will Justo

Will is a senior lawyer and MSA National agent based in Hobart. He has extensive legal expertise in the Lending, Commercial, Conveyancing and Property Development fields. He also practises in Wills and Estates Planning.

Will is the Vice President of the Law Society of Tasmania and immediate past Chair of the Property and Commercial Law Committee of the Society. Will is a Partner of Wallace Wilkinson & Webster, a leading Tasmanian law firm.

His clients include many well-known Tasmanian businesses and enterprises, major financial institutions as well as individuals.

Will is also a former officer In the Australian Army Reserve Legal Corps.

E: will.justo@msanational.com.au


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