Request Expert

Expert is a native of New Jersey. After graduating with a B. A. degree in Economics and Business Administration from Rutgers University, Expert attended the Bernard M. Baruch School of C.U.N.Y., majoring in Finance and Investments. In 1968 he joined the Bankers Trust Company, as a management trainee rising quickly through the ranks until 1974, when he joined Union Bank, in their Regional Head Office as a Vice President and Team Leader.

Beginning in 1979, he entered the field of Independent Banking, specializing in rehabilitating troubled banks of from $11 million to $425 million in asset size. He has been the President and Chief Executive Officer of three different independent banks. In this context, he joined Western United National Bank as a management consultant during May 1987. Expert negotiated for and purchased the controlling stock interest in a bank in 1988 and became the bank's President and Chief Executive Officer and major shareholder. He has spoken before numerous industry, consumer and banking groups on the subject of business finance. His expertise in assisting businesses with their financial needs has earned him guest appearances on the Bill Handel Show (KFI Radio), “Tax Loopholes-The Radio Show” (KPSI Radio) and the Chuck Ashman Show (KBLA Radio). He has spoken before various Chambers of Commerce on financing businesses, testified before the Securities and Exchange Commission on enhancing capital formation for businesses and, in 1992, was named the Financial Services Advocate of the Year by the U.S. Small Business Administration (SBA).

In 1991 Expert was appointed Chairman of Region 8 (California and Hawaii) of the Independent Bankers Association of America Political Action Committee and in December 1992 he was named President of the California Independent Bankers Association, the state association representing 260 banks across the state of California. Expert is the sole owner of a commercial finance and financial consulting concern established in 1987, providing Small Business Administration loans, commercial finance, factoring, equipment leasing, real estate finance and consulting services to the business, financial and legal community. He is an active advocate of sophisticated financial services for businesses at an affordable cost.


He has provided litigation consulting and testimony to NYSE listed companies and some of the World's largest financial institutions.The expert has served as a litigation consultant relating to finance on numerous matters.He advises on and arrange the purchase or sale of performing, non-performing and charged off portfolios of risk assets.The expert has arranged financing for a variety of companies.

Areas of Specialties:
Bank Policies and Procedures
Lender Liability
Standards of Practice
Regulatory Procedures, Influence & Issues
Forensic Commercial Lending
Commercial Loans
Accounts Receivable Financing
Construction Loans
Commercial Mortgages
Equipment Loans
Standards of Conduct
Breach of Covenants
Negligence/Gross Negligence
Breach of Fiduciary Duties
Loan Evaluation & Administration
Good Faith
Bankruptcy
Fairness/ Interest Rates
Fraud/ Dischargeability
Commercial Finance
Factoring
Purchase Order Finance
Credit Analysis
Equipment Leasing
Banking Regulations & Laws
Consumer & Credit Reporting Laws
Bank Operations
Loan Participations, Syndications & Documentation
Troubled Debt Restructuring Practices & Loan Workouts
Loan Portfolio Purchases & Sales
Collection Practices Loan Commitments

Qualified as an Expert in: California, Massachusetts, Nevada,New York, Colorado, Michigan, New Mexico, and Wisconsin.