Commercial Banking Expert Witness Carlsbad 342963


Expertise Description

I am an Active Lender with over 30 years of experience in Banking, Finance, and Real Estate Lending. I am experienced in Trial and Deposition Testimony. I was in the commercial banking industry for 25 years before leaving to form my own company, a commercial Real Estate lending company. We are a licensed California Finance Lender and Bureau of Real Estate Broker. My company provides services to banks, non-banks, and individuals in need of creative financing solutions. With over 30 years of experience in banking and real estate, my market knowledge and transactional experience has allowed me to work in a consulting and expert witness capacity for many clients over the years. Still an ACTIVE lender in the industry, I have has transacted hundreds of real estate and non-real estate loan negotiations in times of economic growth as well as downturns in the economy. My extensive credit background arms me with the understanding of how banks and other lenders operate internally. I have over 8 years expert witness experience with consultations, deposition, and courtroom testimony.

Areas of Expertise


Expert Witness

I have been providing expert witness and consulting services since 2010. I have been designated over 65 times as an expert in 7 different states concerning matters relating to commercial lending, real estate, construction finance, SBA lending, brokerage, hard money lending and investment issues. My experience includes both Federal and State court cases where I have provided deposition testimony, trial testimony and arbitration testimony.


Consulting Experience

When a case is not to the point where an expert needs to be designated, clients and attorneys often benefit from consulting with an expert in order to gain a better understanding of the strengths and weaknesses of their case. I offer services in these early stages, allowing the attorney to consider key questions, such as whether or not the case has enough value for litigating, potential settlement value, and often times forming the framework for discovery requests. With my in depth experience in banking and real estate I have been able to help our clients identify key issues to investigate in deposition, consider different complexities of a case, and assist in fact development by suggesting documents or information to request. When I work in this consulting capacity, our communication is covered by the attorney client privilege, so my clients and attorneys are free to discuss trial strategy without the worry of discoverability. This has allowed me to add value by performing preliminary analyses to assess the viability of different strategic directions for the case.


Professional Experiences

My professional experience includes consulting with banks with managing and assisting services of clients with annual revenues, real estate loan underwriting, monitoring, and bank syndications.

Bank Negotiation:
Situations may arise where clients could benefit from the knowledge and experience of an unbiased party in a financial situation. Whether they need help negotiating a short sale on your commercial property, working with the SBA, or renegotiating an operating line of credit with your bank, I can help. My many years in the banking industry have given me the knowledge and contacts necessary to help you through the transaction. For these situations that require a greater depth of experience than you may have on staff, I can do the job on a project basis.

Real Estate Brokerage:
Market Street Financial Solutions is a licensed California Finance Lender and a Bureau of Real Estate Broker. We can assist navigate you through your real estate transaction or we can provide preliminary advice before you make you enter into contract. We are happy to assist your existing broker, or we can represent you in a transaction. Our expertise is in negotiating transactions between buyer and seller, identifying purchase opportunities for 1031 exchange, contract review, and arranging financing.


Relevant Experiences

My background in commercial real estate and construction lending includes being a senior member and shareholder of a bank where I was responsible for creating and managing the real estate department for 8 years. I am licensed with the California Bureau of Real Estate as the officer/Broker of record for my Corporation. In addition, my company is licensed as a Direct Lender with the California Department of Business Oversight. We provide commercial real estate lending services, as well as expert witness services.


Education

Degree Subject Institution
B.A. Accounting/Economics/Philosophy Pomona College – Claremont CA

Licenses Certifications

Licensed Real Estate Broker through the California Bureau of Real Estate
Licensed California Finance Lender and Broker through the California Department of Business Oversight
Licensed Residential General Contractor, Oregon

Awards & Affiliation

North County Association of Realtors
California Association of Realtors
National Association of Realtors

Primary Affiliation

North County Association of Realtors



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