Carol M. Clements is the Contributing Editor for the Financing Chapter of The Rutter Group's California Practice Guide: Real Property Transactions. She graduated magna cum laude from Boston College Law School, where she served on the International and Comparative Law Review. She also holds a Masters of Science in Business degree from MIT Sloan School of Business. Ms. Clements was admitted to the California Bar in 1987 and practiced in California until 1995, specializing in finance. Since then, Ms. Clements has worked with large financial institutions managing credit risk with a special focus on commercial real estate.