With nearly 40 years at the intersection of commercial banking and real estate finance, this expert has built a career structuring, underwriting, and managing complex lending transactions across institutional and private markets. His experience spans senior corporate banking leadership, executive management within a startup business bank, and hands-on lending and brokerage operations.

Throughout his career, he has managed large commercial loan portfolios, real estate development financing, and branch banking operations. As a founding team member and shareholder of a California-based business bank, he established and led the real estate department, overseeing credit underwriting, construction lending, SBA 504 and 7(a) loans, participation loans, and the recruitment and training of lending personnel. He also previously served as a Chief Financial Officer, providing executive-level oversight of financial operations and regulatory matters.

He is a Licensed California Real Estate Broker and currently operates his own lending and brokerage firm, delivering bank, hard money, private money, and institutional financing solutions. His expertise includes commercial and real estate lending, construction finance, SBA lending, credit underwriting and administration, loan workouts and restructures, lender liability, banking operations, brokerage standards of care, regulatory compliance, loan syndications, title-related matters, note valuation, and customary banking practices.

He has provided expert witness and consulting services since 2010 and has been designated more than 290 times in 25 states, with over 135 depositions, trials, arbitrations, and mediations in federal and state matters involving commercial lending, mortgage banking, real estate transactions, brokerage conduct, and banking operations.