Deborah Carmichael

Deborah Carmichael is an Executive in the firm's Banking and Finance Law practice at ENS, based in South Africa. She specialises in complex transactional cross-border and local matters, advising major international and domestic investment banks, development finance agencies, and industry bodies on acquisition finance, asset finance, bank funding, and public sector debt.

She has acted for the International Swaps and Derivatives Association, the International Capital Market Association, the Securities Lending and Repo Committee, and the Capital Adequacy Working Group on derivatives and securities lending matters. She has also advised the South African central bank on interest rate transition and regularly advises banks on regulatory capital matters. She continues to act for borrowers on strategic debt products, helping them navigate the changing regulatory and commercial landscape.

Deborah holds an LLB from the University of Cape Town and is admitted as an attorney of the High Court of South Africa. She is the author of numerous articles on finance and South African investment matters and co-authored the South African chapter in the IFLR1000 Guide to the World's Leading Advisors.

She has been nominated as South African Lawyer of the Year by IFLR (2026) and is recognized by Chambers Global, The Legal 500 EMEA, IFLR1000, and Best Lawyers in Banking and Finance and Structured Finance.