Ross Mallioux
Fayetteville, AR 72701
Office: 479-202-2231
Banking executive with more than 40 years of hands-on experience in bank operations, management, and lending, including roles as President and Chief Lending Officer with direct responsibility for credit decisions, underwriting, loan servicing, and operational oversight.
My background includes executive responsibility for commercial lending, consumer lending, mortgage lending, retail banking operations, credit administration, loan underwriting, servicing practices, and regulatory compliance — functions frequently examined in litigation involving financial institutions, lenders, and mortgage companies.
Throughout my career I held positions with direct decision-making authority over credit approvals, policy implementation, loan servicing, internal controls, and operational oversight. My experience involves the practical application of banking regulations, institutional policies, and industry standards that are often at issue in disputes involving lending practices, servicing, compliance, and institutional standard-of-care questions.
I have worked directly with outside counsel in contested matters and have served as a designated bank representative in depositions, regulatory inquiries, and litigation. My experience includes review and analysis of loan files, underwriting decisions, servicing records, policy compliance, and operational procedures to evaluate whether actions were consistent with generally accepted banking practices and regulatory expectations.
I provide independent expert witness and litigation support services in matters involving lender liability, banking practices, mortgage lending, consumer and commercial lending, loan servicing, internal controls, regulatory compliance, and institutional standard of care. Engagements may include case evaluation, expert reports, deposition testimony, and trial testimony in state and federal courts nationwide.
All opinions are independent, objective, and based on hands-on industry experience. Compensation is not contingent on the outcome of any matter or the substance of opinions rendered.
- Banking
- Bankruptcy
- Construction Lending
- Consumer Credit
- Elder Financial Abuse
- Finance
- Fraud Investigation
- Litigation Finance
- Mortgages
- Risk Management
- Q: Please list your professional accreditations, degrees, licenses, and certificates granted:
- A: B.S.B.A., Finance, Banking & Real Estate — University of Arkansas, Sam M. Walton College of Business (1984)
Certified Real Estate Appraiser (CR) — (formerly licensed) background and experience in valuation review and collateral oversight.
Certified Real Estate Broker — (formerly licensed) background in real estate transactions relevant to lending.
- Q: What services do you offer? (E.g.: consulting, testing, reports, site inspections etc.)
- A: Generally Accepted Banking Practices
Independent evaluation of banking operations and decision-making in relation to generally accepted banking practices, standard of care, and risk-based frameworks.
Loan Documentation
Review of loan file documentation, completeness, and consistency with institutional policies, procedures, and customary lending practices.
Litigation Support
Work product and support designed to help counsel evaluate banking records, practices, and operational context for litigation strategy.
Bank Governance, Internal Controls & Risk Management
Assessment of governance structures, internal controls, escalation processes, and operational risk management within financial institutions.
Elder Financial Exploitation
Analysis of transaction activity, monitoring processes, and escalation practices relevant to alleged financial exploitation of vulnerable customers.
Residential Mortgage Lending
Evaluation of mortgage origination processes, underwriting practices, and loan file documentation within a banking operations context.
Consumer Real Estate Compliance
Review of consumer compliance practices and documentation related to mortgage and consumer lending operations (e.g., disclosures and process controls).
Construction Lending
Assessment of construction lending administration, draws, inspections, documentation controls, and generally accepted construction lending practices.
Commercial Lending
Review of commercial credit practices, underwriting, documentation, and monitoring consistent with institutional risk management processes and generally accepted banking practices.
Retail Banking Operations
Evaluation of account operations, transaction handling, escalation protocols, and operational controls in retail banking environments. - Q: What is your hourly rate to consult with an attorney?
- A: Contact for fee schedule
- Q: What is your hourly rate to review documents?
- A: Contact for fee schedule
- Q: What is your hourly rate to provide deposition testimony?
- A: Contact for fee schedule
- Q: What is your hourly rate to provide testimony at trial?
- A: Contact for fee schedule
Available Upon Request