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Expert in Banking Industry Standards; Business, IP & Patent Valuation; Economic Damages; Real Estate
Available for your Consulting and Expert Witness Needs
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Summary of Expertise:
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Listed with other top experts in: |
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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 nin-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.
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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.
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He has been responsible for the origination of thousands of auto loans.
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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.
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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.
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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.
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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.
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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.
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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.
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As a high-level corporate officer and board member, he has participated in corporate strategic planning decisions for forty years.
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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.
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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.
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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.
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Having been directly responsible for the origination of over 36,000 loans, he has had immense exposure to and involvement in escrow fund issues.
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As a banker and consultant, he has had a great deal of experience in false billing matters.
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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.
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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.
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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.
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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.
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As a banker and lender, he has a great deal of experience in insurance matters relative to collateral, including matters of insurable value.
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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.
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As a banker and trust department administrator, he has been involved in the investment of billions in bank and trust funds.
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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.
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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.
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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.
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Based upon his extensive experience in banking and finance, he is often called upon for due diligence in mergers and acquisitions.
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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.
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As an experienced mortgage lender, he has a great deal of exposure to and experience with mortgage insurance.
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He has been involved in mortgage loans for all of his forty year career, and he is oftem called on as an expert witness in mortgage loan matters. He is published in mortgage lending.
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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.
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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.
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He is published in real estate development finance and often called on as an expert witness in this subject area. He has forty years' experience in this field.
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He is published in residential real estate finance and often called on as an expert witness in this subject area. He has forty years' experience in this field.
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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.
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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.
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He has been involved in the origination of over 36,000 loans and is often called on as an expert witness in the field. He is published on the subject of secured loans, and often called on by the media for comments on secured loan issues.
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Based upon his extensive background in banking and valuation, he is capable of determining technoeconomic valuations for any situation.
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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.
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Show Secondary and Basic Areas of Expertise | Localities:
Expert may consult nationally and internationally, and is also local to the following cities: Atlanta, Georgia;
Athens, Georgia;
Macon, Georgia;
Roswell, Georgia;
Marietta, Georgia;
and Chattanooga, Tennessee.
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| Year |
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Degree |
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Subject |
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Institution |
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1968
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B.A. and post-graduate work
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Political Science, Economics, Finance
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University of Alabama
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1973
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Post-graduate courses
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Finance, real estate valuation and law
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University of Houston
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1996
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Masters degree-level courses
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Ethics and general enrichment
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Spring Hill College
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1984
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Executive education courses
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Commercial real estate finance, securities, loan syndication, construction lending
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Southern Methodist University
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2005
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Certificate in Business Valuation
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Business Valuation and Corporate Finance
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Harvard Business School
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| Years |
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Employer |
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Title |
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Responsibilities |
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1986 to 2008
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Self-employed
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Consultant and Expert Witness
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He is still self-employed as a consultant and expert witness.
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1985 to 1986
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Home Savings Association (now Bank of America)
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Executive Vice President and Director
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No. 2 executive officer. Manager of all lending and mortgage banking.
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1984 to 1985
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First Federal Savings (now Guaranty Bank)
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Senior Vice President
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No. 2 executive officer. Manager of all lending and mortgage banking.
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1983 to 1984
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Ford Motor Credit Corp.
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Southwest Regional Manager
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Manager of all commercial real estate lending in the southwestern United States.
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1977 to 1983
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Commercial Credit Company
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Regional Manager
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Manager of commercial and residential real estate financing and involved in other corporate financing for the southwestern United States.
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1974 to 1977
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Southwest Bancshares (noe JPMorgan Chase Bank)
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Manager of Commercial Real Estate Lending and Mortgage Banking
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Manager of origination and servicing of commercial and residential real estate loans and involved in other corporate financing, credit cards, and operations for a large multi-bank holding company.
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1973 to 1974
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Citicorp Real Estate
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Assistant Regional Manager and Assistant Treasurer
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Lending, mortgage banking, wealth management, and corporate finance activities and other miscellaneous duties for Citibank and Citicorp.
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1972 to 1973
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Gibraltar Savings (now Bank of America)
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Manager of Lending Department
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At age 26, managed the lending department of Texas' largest savings and loan association.
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Associations/Societies
Past Professional Associations:
American Bankers Association
American Institute of Banking, Chapter Officer and Bank Consul
U.S. League of Savings Institutions
Institute of Financial Education, Instructor
Mortgage Bankers Association
Texas Mortgage Bankers Association
American Council of State Savings Supervisors
American Bankruptcy Institute - Committees: Public Companies, Real Estate,
International, U.C.C., Commercial Fraud Taskforce, Healthcare.
Board of Realtors
National Association of Homebuilders
International Council of Shopping Centers
Houston (TX) Chamber of Commerce, Economic Development Committee, 9 years
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Licenses/Certifications
Texas real estate broker's license held for nine years.
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Professional Appointments
School Board Trustee.
Bank Board of Directors Member.
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| Publications: |
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Publications and Patents Summary
Expert has authored numerous books to assist individuals and businesses with financing, loans, career development, real estate, money laundering fraud,
He has been quoted in Treasury Magazine, the US News and World Report, Practicing Attorney's Newsletter, American Banker Newspaper, Lawyers Weekly, Business Locator. TAB Letter, Technical Assistance Bureau, Journal of Property Management, What's Working in Credit & Collection, Africa Today, ITV Television Network on the subjects of banking, taxation, economic growth and development, and capitalism in Tanzania, Atlanta Journal-Constitution, Collections & Credit Risk, Baltimore Sun, Credit and Collections World magazine, Outside the Lines television show, Lending Intelligence Magazine NBC Evening News, interviewed regarding identity theft, Charlotte Observer newspaper, interviewed regarding bank branching and operations policies, Street & Smith's Sports Business Journal, interviewed regarding business ethics and corporate governance issues involving the U.S. Olympic Committee's Chief Executive Officer, Family Finances column that appears in The Boston Herald, the Pittsburgh Post Gazette, the Palm Beach (FL) Daily News, and some Scripps Howard newspapers - interviewed regarding credit card debt matters,
The Denver Post, interviewed regarding banking economics and bank branching, Mortgage Lending Compliance
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| Government Experience: |
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Agency |
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Role |
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Description |
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1986 to 1988
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Texas Savings and Loan Department
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Regulator Supervisory Agent
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Served as an Interim CEO Manager for two insolvent S&Ls each of which owned a mortgage banking company. Total assets = $1.8 billion in 2008 USD.
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to
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Various
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Consultant
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Extensive governmental work for: US Agency for International Development, US Air Force, FDIC, FSLIC, Federal Reserve Bank of Atlanta, City of New Orleans, 13 cities in California and Colorado, New York Governor's Office, State of Texas, IRS (7 engagements), Federal Defenders Office (white collar criminal defense), Resolution Trust Corp. (twice), Farm Credit Bank, US Department of Education, USVI Senator Ronald Russell, USVI Senator Adlah Donastorg, Government of Tanzania, United Nations.
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| Selected Consulting Examples: |
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Engaged 7 times by the IRS to evaluate intangible assets and bank stocks.
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Engaged by a European corporation to determine the marketability of a specific product in 44 countries.
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Business valuations of various businesses.
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Estimates of economic damages in many situations.
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Expert witness opinions on banking industry standards, good faith, fair dealing, commercial reasonableness, holder in due course, business and financial ethics, and other issues.
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Click the green button above to contact
Expert for a free initial screening call regarding your expert consulting needs.
Expert is available for consulting to corporate, legal and government clients.
Remember, your initial screening call to speak with
Expert is free.
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Expert Witness Experience Summary:
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Starting in 1989, engaged for over 390 cases in all areas of banking and finance. Plaintiff and defense work nationwide. Federal, state, local, bankruptcy courts. Worked for 32 of the country's top 250 law firms and hundreds of others. 98 testimonies. 12 courthouse settlements. Included in the databases of approved expert witness consultants for both the AAJ and DRI.
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Recent Litigation Client Requests:
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Expert inasessing punitive damages for litigation case.
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Click the green button above to contact
Expert for a free initial screening call regarding expert testimony,
litigation consulting and support, forensic services, or any related expert witness services.
A few litigation needs include product liability, personal injury, economic loss, intellectual property
(patent, trademark, trade secret, copyright), and insurance matters. Remember, your initial screening
call to speak with
Expert is free.
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| International Experience: |
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Summary |
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2004 to 2004
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Ukraine and Russia
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Evaluated a proposed training program in IFRS for the International Accounting Standards Board Foundation, U.S. AID, World Bank/IMF, United Nations Conference on Trade and Development, and the Ukrainian Accounting Reform Project. Visited Kiev and Moscow.
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2001 to 2001
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Tanzania
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Traveled to Arusha, Tanzania to conduct training programs for their equivalent of our IRS.
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to
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Various
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Business plan preparation, marketing studies, opinions and information on United States banking and financial issues, business valuations, IP valuations, funds transfers opinions, etc.
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Often called on by private equity funds, investment advisors, and hedge funds for finance industry opinions and advice.
Click the green button above to contact
Expert for a free initial screening call regarding your marketing research, industry research, and company
research needs. For research needs involving multiple experts or secondary research,
a Research Director can be assigned to coordinate the work into a custom report for you as a potentially quicker
and more cost effective alternative to doing this work yourself or hiring a boutique consultancy.
Remember, your initial screening call to speak with
Expert is free.
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| Additional Skills and Services: |
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Training/Seminars
Wrote and taught several real estate courses while in Texas. Taught management communications and various other business subjects at Phillips College.
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Other Skills and Services
Excellent written and oral communication skills. Published author.
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Education
