Banking and commercial finance executive with more than 40 years of experience, this expert witness provides analysis in disputes involving commercial lending, construction finance, asset-based lending, and bank operations. He began his banking career in 1968 and has held senior commercial lending and credit leadership roles throughout his career. He has more than 20 years of expert witness experience providing consultation, deposition testimony, and courtroom testimony in matters addressing lender liability, regulatory compliance, disputed credit practices, and standards of banking conduct. His case work includes appearances in federal and state courts, bankruptcy courts, and arbitration proceedings, and he has qualified as an expert witness in ten states.

He holds a Bachelor of Arts degree in Economics and Business Administration and completed graduate training in Finance and Investments. In 1987, he established a finance company that operates as a licensed and bonded commercial finance lender in California, focusing on expert witness services and banking consulting. Engagements through this firm have involved loan portfolio evaluation and secondary marketing, accounts receivable financing and factoring, SBA financing, equipment leasing, purchase order finance, loan commitments, troubled debt restructuring, loan workouts, and collection practices.

His executive background includes service as President, Chief Executive Officer, and Director of three independent banks and as a senior policy-making officer at six financial institutions. In these capacities, he oversaw commercial and construction lending operations, credit administration, loan participations, internal audits, regulatory relationships, and the development of institutional policies and procedures. Earlier in his career, he served leadership roles at a regional head office of a national bank, supervising commercial lending personnel and managing significant borrowing relationships. These roles inform his evaluation of banking standards of practice, institutional decision-making, and compliance with regulatory expectations.

Professional leadership has included election as President of a statewide independent bankers association and service as Chairman/President of a state bankers’ council, along with board participation within commercial finance organizations and advisory roles for a community bank. He has also performed external credit examinations for commercial banks and provided testimony in matters involving banking regulatory standards and practices. His retention history includes engagements by several of the largest U.S. bank holding companies and publicly traded corporations in matters involving commercial finance operations and lending conduct.