More than 40 years’ experience in executive lending and credit roles in commercial banks and financial services consulting organizations. Competencies include bank governance, commercial credit underwriting, real estate financing, collections, loan workouts, regulatory response, credit review and examination, due diligence, consent orders, lender liability, breach of good faith, wrongful defaults, control and interference, and duress and coercion.

Professional Experience

More than 25 years in four mid-sized regional and community banks, serving in senior and executive management roles including Chief Credit Officer and Chief Lending Officer, as well as 15+ years in financial institution managing consultant roles that include major organizations: Hewlett-Packard (formerly EDS), Deloitte, and Computer Sciences Corporation. Activities included five years serving as a special agent for the Commissioner of the Texas Department of Banking overseeing troubled banks, typically under consent orders resulting from poor lending and credit practices. Read more

Litigation Support Experience

Serving both plaintiff and defense attorneys in banking and insurance industries in the following: loan structuring issues; credit underwriting, processes, and controls; and best practices in originating, servicing, and collection of commercial and industrial loans and commercial real estate credits. Expert witness activities include consultations, written reports, depositions, and courtroom testimony. Forensic Expert Witness Association (FEWA) professional member. IMS-designated EliteXpert. See sample case descriptions

Consulting Experience

Extensive interaction in matters relating to director responsibilities in lending and credit extension, monitoring, and collection; development of enhanced written credit policy statements; regulatory examination and interface; troubled asset negotiation and disposition; credit review activities (formation, maintenance, allowance, migration analysis, and stress testing); development and management of functional duties within commercial middle market, commercial real estate, residential construction, small business, loan servicing, credit analysis and loan operations units; and professional training and development of lending and credit personnel. See CV

Client Involvement

Interaction with a broad array of business and governmental organizations on myriad issues. See clients

Seminar Experience

On the faculty of the Risk Management Association for more than 35 years, leading multiple seminars on several different lending and credit topics, and speak nationally to industry trade groups and regulatory audiences. See course listing

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