Banking Expert | Lending & Bank Operations

Specialties & Experience of this Expert Witness

Additional Information

PROFESSIONAL OVERVIEW Banking executive with more than 40 years of hands-on experience in bank operations, management, and lending, including service as President and Chief Lending Officer with direct responsibility for credit decisions, underwriting, loan servicing, and operational oversight. My background includes executive responsibility for commercial lending, consumer lending, mortgage lending, retail banking operations, credit administration, loan underwriting, servicing practices, and regulatory compliance — functions frequently examined in litigation involving financial institutions, lenders, and mortgage companies. I have worked directly with outside counsel in contested matters and have served as a designated bank representative in depositions, regulatory inquiries, and trial proceedings. My experience includes evaluation of loan files, underwriting decisions, servicing records, internal controls, and compliance with generally accepted banking practices and institutional standards of care. TESTIMONY EXPERIENCE • Trial testimony in federal court before the United States District Court for the Western District of Arkansas involving financial and banking matters. • Grand jury testimony convened by the United States District Court for the Western District of Arkansas relating to financial and banking matters. • Depositions and trial testimony in civil litigation involving banking and financial matters before Arkansas state courts. • Testimony in adversary proceedings before the United States Bankruptcy Court. AREAS OF EXPERTISE • Generally Accepted Banking Practices - as informed by regulatory guidance, institutional policies, and examiner expectations. • Loan Documentation - Notes, Security Instruments, Disclosures, Guarantees, Loan Agreements, etc. • Bank Governance, Internal Controls & Risk Management • Residential Mortgage Lending Practices - Origination, Processing, Underwriting, and Closing - Loan Documentation and Disclosures - Collateral and Appraisal Ordering Practices - Loan Servicing Practices & Error Resolution - Mortgage Amortization & Accrual Methodologies • Consumer Real Estate Lending Practices and Compliance - TRID (Truth in Lending-Real Estate Settlement Procedures Act Integrated Disclosures) - RESPA (Real Estate Settlement Procedures Act) - TILA (Truth in Lending Act) - ECOA (Equal Credit Opportunity Act) - Fair Lending - Ability-to-Repay - UDAP (Unfair, Deceptive, or Abusive Acts or Practices) • Construction Lending Practices - Generally Accepted Inspection Practices • Commercial Lending Practices - Credit underwriting, risk assessment, administration, problem credit identification, and exception management for commercial and small business loans • Retail Banking Operations - Staffing, Internal Controls & Generally Accepted Banking Principles • Insurance - Related Banking Practices - as it relates to Generally Accepted Banking Principles | respect to insurance proceeds, crime coverage, or fidelity bonds