Spanning more than 33 years of experience in commercial banking and real estate lending, this banking expert witness provides analysis and testimony in lender liability and banking-related disputes involving construction lending, permanent lending, underwriting practices, credit administration, and commercial real estate lending matters. The expert has more than 5 years of experience providing consultations, deposition testimony, and courtroom testimony and has been retained more than 30 times as an expert or consultant in matters involving financial institutions, lending practices, and commercial real estate lending. Areas of expertise include secured and unsecured commercial lending, committee approval processes, forbearance agreements, workouts, financing feasibility analysis, credit policies and procedures, appraisal competency, standards of care in underwriting, and administration of acquisition and development lending. Litigation and consulting engagements have involved claims against banks, savings and loan institutions, and mortgage companies, including disputes concerning alleged non-performance by financial institutions, verbal lending commitments, partnership disputes, mortgage company duties to clients, and underwriting-related issues. Expert engagement responsibilities have included evaluation of claim strengths and weaknesses, preparation of financial schedules and illustrative materials, review of opposing expert opinions and testimony, and testimony in deposition and Superior Court proceedings for both plaintiff and defense matters.

Throughout a distinguished banking career, the expert held senior lending, credit approval, and management positions within commercial banking institutions, including service as both a voting member and later Co-Chairman of a Senior Real Estate Loan Committee responsible for approval of real estate construction loans throughout California. Additional leadership responsibilities included management of commercial real estate construction lending groups and oversight of construction and bridge loan portfolios exceeding $1 billion involving apartments, condominiums, hotels, office and industrial developments, retail shopping centers, mixed-use projects, medical facilities, research and development properties, mini-storage facilities, and bio-tech developments. Professional experience also included senior leadership responsibilities within commercial real estate lending operations, service as Contract CFO for a commercial real estate investment organization, and leadership of a financial software company serving real estate developers and brokers. Educational background includes a Bachelor of Business Administration in Marketing, a Master of Business Administration in Management, completion of coursework toward an associate degree in real estate, and additional professional training in credit analysis, appraisal practices, and real estate underwriting. Earlier professional experience also included service in the United States Navy.