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Sandra represents financial institutions and borrowers in connection with negotiating and closing commercial loans secured by real estate and personal property. She also focuses her practice on commercial real estate transactions, including acquisitions, sales, and leasing of retail, restaurant, office, and warehouse projects. In addition, Sandra represents clients in general corporate, commercial, and day-to-day business matters, including negotiating, reviewing, and drafting commercial services, supply chain, information technology, and equipment lease contracts.

Other Info About Sandra

Work History

Prior Work Experience

Prior to joining FBT, Sandra spent fourteen years working in the banking industry. Most recently, she was a Vice President and Finance Manager at PNC Bank in Cincinnati, Ohio supporting the bank’s Equipment Finance and Leasing division. While at PNC Bank, Sandra worked on forecasting and budgeting; compensation design, processing, and analysis; financial and portfolio reporting; pricing and structuring; regulatory initiatives; strategic planning and analysis; and technology enhancements. Before that, Sandra worked at National City Bank and Provident Bank.


Legal Work Highlights

Reviewed, drafted, and negotiated commercial agreements for an automotive manufacturing company including terms and conditions, statements of work, services agreements, nondisclosure agreements, real estate leases, supply chain agreements, and information technology agreements.

Representation of lenders and lessors in commercial mortgage loans, construction loans, equipment loans and leases, and lines of credit.

Representation of a borrower in acquisition, redevelopment, and loan for the renovation of a new retail site.

Representation of restaurant chains and other corporate users in real estate transactions, including reviewing title, survey, and zoning, drafting conveyance, easement, and REA documents, and negotiating loan documents.

Representation of landlords and tenants on commercial real estate leases.


Law School

Northern Kentucky University, Salmon P. Chase College of Law, J.D., 2014, summa cum laude

Graduate School

Xavier University, M.B.A., Finance, 2006

Undergraduate School

Thomas More College, B.A., Business Administration; A.A., Art, Communication and Psychology, 2002, magna cum laude

Bar Membership

Sandra is licensed to practice in the following state:

Ohio, 2014

Kentucky, 2020


Local & National Recognition

YWCA Rising Star Leadership Program, 2019

YWCA Rising Star Award, 2018

Northern Kentucky Chamber, Legacy Next Generation Leader Award Finalist in the Business, Financial, and Legal Services Category, 2016

National Runner-Up, NKU Chase Arbitration Team, ABA National Arbitration Competition, 2014

Northern Kentucky Law Review, 2012-2014

Judge Judy West Award, 2013, Northern Kentucky Bar Association

AJ Jolly Award, 2011, Northern Kentucky Bar Association

ArtsWave BOARDway Bound, Leadership Program, 2008

M.B.A. Outstanding Academic Achievement Award, Xavier University, 2006

Professional Affiliations

Professional Affiliations & Memberships

Cincinnati Bar Association

CREW Greater Cincinnati

Northern Kentucky Bar Association

Kentucky Bar Association

Civic Activities

Civic & Charitable Organizations

Newport Parks Renaissance Commission, Inc., Board Member, 2014-present

City of Newport, Kentucky, Steering Committee Member for Comprehensive Plan – 2020

YWCA, Mentor, 2019 – 2020

Fuel Cincinnati, Committee Member, 2014-2017; Secretary, 2015; Chair, 2016; Vice-Chair, 2017

Give Back Cincinnati, Volunteer, 2013-2017

Volunteer Income Tax Assistance (VITA) Tax Preparer, 2013; ABA Law Student Division 6th Circuit VITA Coordinator, 2013-2014

Firm Committees

Sandra serves on the following committees at Frost Brown Todd:


Frost Forward


Sandra was invited to speak at the following events:

“COVID-19: Real Estate Considerations and the Road Ahead,” Ohio State Bar Association, 28th Annual Bradley J. Schaeffer Real Property Institute, December 16, 2020.

Major Publications

Sandra is an author or contributor to the following publications:

Rambo Cop: Is He a Soldier Under The Third Amendment?, 41 N. KY. L. REV. 119, 2014.

Kentucky Should Mandate Attorney Consultation Before Juveniles Can Effectively Waive Their Miranda Rights, 40 N. KY. L. REV. 201, 2013.

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