Request Expert

He has forty years' experience in corporate finance and management consulting to businesses of all sizes and types. As a successful manager, he has had many opportunities to re-engineer business units under his management. He has extensive experience in business development activities of his various banking and finance employers and as a nine-year member of the Houston Texas Chamber of Commerce's Business Development Committee. As a longtime corporate and real estate bank lender, he developed a strong sense for business intelligence while analyzing financing and corporate restructuring proposals.

He has forty years' experience in banking including over two years as a banking regulator. He has been called on by hundreds of law firms for over 435 expert witness engagements in banking and related fields. Over 250 reports and affidavits. 107 testimonies at deposition and in all levels of courts. During his years in banking, Expert has encountered many types of bank fraud. He has been engaged as an expert witness consultant many times for bank fraud cases.

He has been responsible for the origination of thousands of auto loans.

He has extensive experience as a banker and lender and banking regulator as well as training in ethics. He has been called on many times as an expert witness consultant for financial, banking, and business ethics issues.

As a longtime banking and financial institution manager, he has had many opportunities to initiate and participate in business system design work to create or improve business performance.

As an experienced corporate and real estate lender, he has a great deal of experience in valuing businesses, tangible assets, intangible assets, intellectual property assets, patents, and economic damages. He has been called on by many attorneys and the IRS many times to value businesses and various assets. He completed the Harvard Business School's program in Business Valuation in 2005.

As an experienced business valuation professional and a holder of a Certificate in Business Valuation from the Harvard Business School, he is quite familiar with business valuation standards including the USPAP and nationwide industry standards.

He has many years of commercial real estate financing experience as well as hands-on commercial real estate management experience managing all types of properties that were in foreclosure.

He has a great deal of experience at competitive analysis having worked as a corporate and real estate lender for many prestigious financial institutions. And as a consultant, he has completed many competitive analysis engagements in product marketing and business valuation assignments. Expert learned early on useful techniques for acquiring useful information and determining how that information impacts a competitive situation. As a result of this experience, he is often called upon for competitive intelligence engagements.

As a high-level corporate officer and board member, he has participated in corporate strategic planning decisions for forty years.

He has served as a board of directors’ member, and has been engaged by the government banking regulators as well as by groups of directors as their expert witness consultant for directors and officers liability insurance issues and litigation.

As a lender and banker, he has reviewed thousands of economic analysis estimates prepared by other professionals; and as a consultant, he has prepared many economic analysis estimates for clients.

As a banker and lender, he has reviewed over 25,000 economic appraisals. And as a consultant, he has performed many economic appraisals for clients.

Having been directly responsible for the origination of over 36,000 loans, he has had immense exposure to and involvement in escrow fund issues.

As a banker and consultant, he has had a great deal of experience in false billing matters.

He has forty years' experience with financial institutions including over two years as a governmental financial institution regulator. Also, he has been called upon several times as an expert consultant for the governmental financial institution regulators.

As an experienced banker, he has a strong experience base to call on when determining whether a certain practice constitutes financial malpractice. He is often called on as an expert witness to give these opinions.

As an experienced banker and real estate lender and mortgage banker, he has a strong experience base to call on when making highest and best use determinations. He is often called on as a consultant to provide these highest and best use opinions to clients.

He has forty years' experience in using the income capitalization approach to commercial real estate situations as well as to business valuations and other valuation situations.

As a banker and lender, he has a great deal of experience in insurance matters relative to collateral, including matters of insurable value.

He was called on as an expert consultant by the International Accounting Standards Board Foundation in London to perform a valuation in Russia and Ukraine. In addition, he has been called on by clients in other countries to perform business valuations.

As a banker and trust department administrator, he has been involved in the investment of billions in bank and trust funds.

As a banker and trust department administrator, he has been involved in determining investment value in hundreds of situations. Plus, he has strong business valuation skills.

As a banker and governmental banking regulator, he has had many occasions to determine a liquidation value for various business assets, real estate assets, and companies.

He has been involved in the origination of over 36,000 loans of all types. He is often called on as an expert witness involving all types of issues pertaining to loans.

Based upon his extensive experience in banking and finance, he is often called upon for due diligence in mergers and acquisitions.

He has been involved in mortgage lending and mortgage banking for all of his career, and is often called on as an expert witness in litigation matters. He has been called on by 8 of the country's top 10 mortgage bankers.

As an experienced mortgage lender, he has a great deal of exposure to and experience with mortgage insurance.

He has been involved in mortgage loans for all of his forty year career, and he is often called on as an expert witness in mortgage loan matters. He is published in mortgage lending.

Based upon his background as a banker and lender and valuation professional, he is capable of establishing a value for any new business technology. He is a holder of a filed patent application.

He is published in real estate finance and often called on as an expert witness in this subject area. He has forty years' experience in this field.

He has many years of successful experience in retail banking, and is often called on as an expert in this field. His experience includes financial institutions of all types and sizes.

As an experienced banker and lender and business valuation consultant, he is thoroughly familiar with the sales comparison approach, when to use it, and its limitations.

Based upon his extensive background in banking and valuation, he is capable of determining technoeconomic valuations for any situation.

As an experienced banker and mortgage lender, he has extensive experience with title insurance issues and has been called upon as an expert witness consultant on the issue.


Engaged 7 times by the IRS to evaluate intangible assets and bank stocks.Engaged by a European corporation to determine the marketability of a specific product in 44 countries.Business valuations of various businesses.Estimates of economic damages in many situations. Expert witness opinions on banking industry standards, good faith, fair dealing, commercial reasonableness, holder in due course, business and financial ethics, and other issues.

20+ years experience in management at banks, savings & loans, credit companies, mortgage banking companies, and a governmental financial institution regulatory agency. Positions held include board of directors member, executive vice president, senior vice president, manager of lending, manager of mortgage banking, regulatory supervisory agent tantamount to ceo). Committee memberships included loan committee, executive committee, audit committee, and pension plan trustee. Served as a corporate officer of various financial institution subsidiaries.

Management responsibilities included as many as 300 people in 22 locations nationwide in ten states and $2.2 billion (in 2018 USD) in gross assets. Directly responsible for originating over 36,000 loans of all types totaling over $5 billion, reviewing over 25,000 real estate appraisals, and reviewing well over 100,000 financial statements and credit reports.