• 39+ yrs management for financial & mortgage institutions.
• 35+ yrs lending with loan funding experience 10+ billion.
• 18+ yrs President, CEO &/or Director.
• Officer, CEO, Director &/or Owner of 10 businesses including SEC regulated.
• 7+ yrs mortgage co. director.
• 22+ yrs mortgage lending.
• 200+ nationwide cases in 40 of 50 states: ~50% defendants ~50% plaintiffs - 40% cases for financial institutions, 40% against & 20% other.
• Prepared reports, depos, court presentations & testimonies, declarations, findings, & affidavits for Fed, bankruptcy & state courts.
• 15+ yrs state/national trade associations leadership.
Background
Q: Please list your professional accreditations, degrees, licenses, and certificates granted:A: ∑ Certificate of Graduation, Pacific Coast Banking School, Univ. of Washington, 1982
∑ All training courses related to lending giving by Bank of America, 1971-1977
∑ Post-graduate work, University of California, Los Angeles, 1973, 1974
∑ Bachelor of Science, University of California, Los Angeles, 1970
Q: Please list your affiliations or memberships in any professional and/or industry organizations:
A: ∑ Chairman and/or member of Real Estate Lending Committee, California Bankers Association (CBA) representing over 300+ California banks, 1993 to 2000.
∑ Founder and Past Director of ICBA Mortgage Company, 1990 to 1997.
∑ Member, ICBA Task Force: Mortgage Lending and Operations, 1988 to 1989.
∑ Director & Past President of California Independent Bankers-ICBA representing over 160+ California financial institutions, 1985 to 2001.
∑ Past Director of the Independent Community Bankers Association (ICBA) which represents over 5000+ banks nationwide, 1992 to 1996.
∑ Chairman and/or member of ICBA Bank Service Committee, 1986 to 2001.
∑ Member, ICBA Task Force: Credit Life Insurance and Reinsurance, 1997 to 1998.
∑ Chairman, ICBA Task Force: Title Insurance Operations for the, 1999 to 2001.
∑ Member of California Department of Financial Institutions Implementation Industry Task Force, December 1996 to 1998.
∑ Member of the Forensic Consultants Association-Orange County, 1997 to 2001.
Q: Please list any teaching or speaking experience you have had, including subject matter:
A: ∑ ìBankersí First Ten Considerations About Small- to Mid-Sized Business Loansî, Presentation to various business and civic organizations.
∑ ìRatios and Guidelines: What You Should Expect From Your Bankerî, Presentation to various business and civic organizations.
∑ ìArbitration in Bankingî, Presentation to various banks and trade organizations
∑ ìWhat Makes a Premier Performing Bank,î Presentation to various banks.
∑ ìDebts and Taxesî, panelist, Southern California Chapter American Academy of Matrimonial Lawyers.
∑ Various presentations as a guest lecturer at Pepperdine University and USC.
Q: Have any of your accreditations ever been investigated, suspended or removed? (if yes, explain)
A: No
Q: On how many occasions have you been retained as an expert?
A: Over 300 federal & state nationwide cases. Fannie Mae, FDIC, State of CA, banks, non-banks, mortgage companies, individuals, corporations.
Q: For what area(s) of expertise have you been retained as an expert?
A: Financial Institutions, Underwriting, Mortgage/Real Estate. Loans (mortgage, construction, real estate, business, international, SBA, consumer); Operations; Fraud; Check ops; EFT; Policy & Procedures; Lender Liability; Fiduciary Duties, D & O conduct, Other. Preparation of reports, Depositions and Court Testimony in Federal, bankruptcy and state courts.
Q: In what percentage of your cases were you retained by the plaintiff?
A: 50% plaintiff
Q: In what percentage of your cases were you retained by the defendant?
A: 50% defendant
Q: On how many occasions have you had your deposition taken?
A: over 50
Q: When was the last time you had your deposition taken?
A: 2008
Q: On how many occasions have you been qualified by a court to give expert testimony?
A: 25+
Q: On how many occasions have you testified as an expert in court or before an arbitrator?
A: 25+
Q: For how many years have you worked with the legal industry as an expert?
A: 14 years
Q: What services do you offer? (E.g.: consulting, testing, reports, site inspections etc.)
A: expert witness services and consulting
Q: What is your hourly rate to consult with an attorney?
A: 350.00-400.00
Q: What is your hourly rate to review documents?
A: 350.00-400.00
Q: What is your hourly rate to provide deposition testimony?
A: 400.00
Q: What is your hourly rate to provide testimony at trial?
A: 400.00
Q: Please list any fees other than those stated above (E.g.: travel expenses, copy fees, etc.)
A: All out of pocket expenses.
