Commercial/Personal Real Estate, Lending & Banking Expert Witness

Expert Witness No. 983

California

PROFESSIONAL EXPERIENCE

1988 to Present
LENDING ADVISORS FIRM (OWNER), Moraga, California
Principal
Responsible for advising clients on banking and lending procedures for commercial, real estate, mortgage warehousing and construction lending, credit quality and operational matters. Clients include borrowers, depositors, receivers, credit review organizations, financial institutions, government agencies, insurance companies and law firms. Scope of work: financing issues; deposit issues, credit-risk analysis of real estate, commercial and construction loans; analysis of collateral and documentation; due diligence loan and portfolio analysis; reviewing underwriting and disbursement procedures; receiver support and expert testimony.

1987 to 1988
MORTGAGE CORPORATION, San Francisco, California
Executive Vice President
Responsible for loan brokerage, marketing and financial planning including positioning the company for possible merger into a regulated lender.  Member of the Loan and Management Committees.

1985 to 1987
NATIONAL BANK, Dublin, California
President and Chief Executive Officer
Responsible for all lending and operational functions. Implemented and managed programs and procedures that reversed the deterioration of the bank and re-established it in the community. The effects of my policies allowed the National Bank Examiners to remove a Cease and Desist Order within nine months of my joining the bank and turned a 1985 loss of $580,000.00 to a modest profit in 1986. Member of the Loan, Management, Asset/Liability, Personnel, Planning Committees and the Board of Directors.

1972 to 1977
THE BANK OF CALIFORNIA, San Francisco, California
Vice President, Metropolitan Division, Corporate Banking Group
Responsible for managing major corporate relationships which included lines of credit; loan participations; deposit accounts; trust relationships; and construction, commercial, installment and mortgage lending. Sales Manager of the Division for three years.

1968 to 1972
THE BANK OF CALIFORNIA, San Diego, California
Loan Officer, Installment and Real Estate Divisions
Responsible for managing relationships including deposit accounts and construction, commercial, installment and mortgage lending.

1962 to 1968
BANK OF AMERICA, San Diego, California
Loan Officer, San Diego, California, various branches
Responsible for operational functions and installment lending.

EDUCATION

San Diego State College – Business

RELATED ACTIVITIES

Former Chairman of the California State Banker Association, Speaker at state’s Bankers, Bar, and Realty associations. Lay member of the Contra Costa Superior Court’s Alternative Dispute Resolution Program. Lay member of the Contra Costa Bar Association Fee Arbitration Panel. Co-Founder Contra Costa Real Estate Mediation Services.