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Karolina Bandzul-Król
Senior Associate

Karolina Bandzul-Król

Languages
  • Polish
  • English

Karolina Bandzul-Król is a Polish-qualified advocate and a Senior Associate in the Banking and Finance Department at CMS.

Karolina specialises in financial transactions, civil and corporate law.

Karolina has experience in advising Polish and foreign banks, financial institutions and borrowers on domestic and cross-border finance transactions, with particular focus on real estate financing transactions. Her experience includes preparation and negotiation of finance documents, also in accordance with LMA standards, overseeing the fulfilment of conditions for credit disbursements, drafting contracts, legal opinions and memoranda as well as managing due diligence processes in the field of banking & finance.

Before joining CMS, Karolina gained her experience in international law firms operating on the Polish market including Dentons.  

Memberships & Roles

  • The Warsaw Bar Association of Advocates 

Education

  • Quantitative Methods in Economics and Information Systems, Warsaw School of Economics, Warsaw.
  • Master of Laws, Faculty of Law and Administration, University of Warsaw, Warsaw.
Practice Areas

Insights by Karolina

CMS advises mBank S.A. on landmark financing of a 13-site rooftop PV portfolio for EPP

09 Oct 2025 2 min read

CMS at Expo Real, Munich

06 Oct 2025

CMS advises consortium of banks on financing of 73-project solar portfolio in Poland

03 Jun 2025 2 min read

CMS advises BIG Poland on retail park portfolio financing

14 May 2025 2 min read
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