Credit Risk Management Expert 325022 CA(N)


Expertise Description

I have more than 35 years experience in financial institutions with proven leadership in all situations, including particular expertise in credit risk management, performance-based operations, profitability, quality, customer service, mortgage backed securities, real estate evaluation, breach of covenants, appraisal review, underwriting, lender liability, industry standards, prudence, and the permutations and perils of sub-standard and low quality lending practices. My experience includes: mortgage banking; residential mortgage lending; mortgage loan buybacks; subprime and standard mortgages; consumer financial services; loan and organization due diligence; lender liability; real estate and loan valuations; and all aspects of residential lending. I have more than 5 years expert witness experience.

Areas of Expertise


Expert Witness

My expert witness experience includes: Mortgage litigation cases (Mortgage buyback litigation, Mortgage put-back litigation); Change in credit scores Underwriting analysis/review of loan(s); Fraudulent loans; Loans with material misstatements; Bait and switch of mortgage terms; Sales agreement disclosure; Review of loan application information and lender underwriting packages.;Negligence in practices of origination and servicing of loans; Mortgage industry standards of quality and prudence; Specific actual damages incurred by borrowers due to negligence of the servicer.


Consulting Experience

My consulting services include: Strategic and operational planning; Troubled real estate and debt management; Business model studies; Performance evaluations; Business integration projects; Systems acquisition projects; Marketing research and Business development; MERS (Mortgage Electronic Registry System).


Education

DegreeSubjectInstitution
BSManagementFlorida State University

Licenses Certifications

Graduate School of Retail Bank Management
University of Virginia

Awards & Affiliation

Primary Affiliation

Employee Relocation Council’s (ERC) Real Estate Coalition


Partial List of Consulting Expert Witness Cases



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