Expert Opinions

Description
Professional Experience

More than 25 years in four mid-sized regional and community banks, serving in senior and executive management roles including Chief Credit Officer and Chief Lending Officer, as well as 15+ years in financial institution managing consultant roles that include major organizations: Hewlett-Packard (formerly EDS), Deloitte, and Computer Sciences Corporation. Activities included five years serving as a special agent for the Commissioner of the Texas Department of Banking overseeing troubled banks, typically under consent orders resulting from poor lending and credit practices. 

Litigation Support Experience

Serving both plaintiff and defense attorneys in banking and insurance industries in the following: loan structuring issues; credit underwriting, processes, and controls; and best practices in originating, servicing, and collection of commercial and industrial loans and commercial real estate credits. Expert witness activities include consultations, written reports, depositions, and courtroom testimony. Forensic Expert Witness Association (FEWA) professional member. IMS-designated EliteXpert. 

Consulting Experience

Extensive interaction in matters relating to director responsibilities in lending and credit extension, monitoring, and collection; development of enhanced written credit policy statements; regulatory examination and interface; troubled asset negotiation and disposition; credit review activities (department formation, staffing, allowance, migration analysis, and stress testing); development and management of functional duties within commercial middle market, commercial real estate, residential construction, small business, loan servicing, credit analysis and loan operations units; and professional training and development of lending and credit personnel.

Seminar &amp; Speaking Experience

Faculty of the industry-leading Risk Management Association for more than 35 years, instructing seminars on multiple commercial lending and credit topics. Speak nationally to industry trade groups and regulatory audiences.

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