Expert No. 47030 – Business Expert – AK / AZ / CA(N) / HI / NV / NM / OR / UT / WA
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Expertise Description: Banking and real estate finance professional. Consulting on issues in Commercial Banking, Mortgage Banking and Construction lending with over 40 years of banking and consulting experience, this expert has been retained over 200 times, has testified in deposition over 100 times, and testified in Federal and State Courts over 30 times.  This expert has served as lending officer, senior real estate officer, portfolio manager, manager of multi-bank loan syndications, president and chief executive officer. He has consulted to credit review agencies, federal agencies, insurance companies, troubled companies requiring loan restructure and receiverships, all adding to his knowledge base and the strength of his opinions.
Representative Litigation Experience:
  • Residential loan underwriting
  • Commercial loan underwriting
  • Construction loan underwriting
  • Construction loan disbursement
  • Lender fraud
  • Checking account offset
  • Safety Deposit
  • Loan Portfolio management
  • Loan guarantee
  • HELOC Lending
  • Construction lending
  • Commercial lending
  • Residential 1 to 4 lending
  • mortgage servicing
Representative Consulting Services and/or Projects:
  • analyzing cash flows for funds diversion and money laundering
  • credit-risk analysis of commercial, real estate, and construction loans
  • troubled loan restructuring
  • analysis of collateral and documentation
  • due diligence loan and portfolio analysis
  • reviewing underwriting and disbursement procedures
  • receiver support, mediation and testimony
Education:
DegreeSubjectInstitution
BusinessSan Diego State College
Professional Appointment/Association Affiliations:
  • Embarcadero, Mortgage Corporation - Executive Vice President
  • Tri-Valley National Bank - President and Chief Executive Officer
  • The Hibernia Bank - Vice President and Real Estate Loan Administrator
  • The Bank of California - Vice President
  • Lay member of the Contra Costa Bar Association Fee Arbitration Panel
  • Co-Founder Contra Costa Real Estate Mediation Services
Awards & Honors:
Speaker at state's Bankers, Bar, and Realty associations

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