Banking and Credit Expert Witness

Expert Witness No. 556

Texas

Summary

Over twenty years of progressive responsibilities in bank management and lending functions with extensive business development expertise and financial consulting for over twenty years.

Financial Consulting Experience

A Fidelity Alliance
1988 - Present
Founder and President
Representation of borrowers in developing debt restructure programs with financial institutions.
Provide expert witness testimony in litigation matters including damage assessment.
Financial planning for businesses including preparation of business plans.
Preparation of loan proposals for companies and individuals for presentation to financial institutions.

Professional Banking Experience

(Dates available upon request.)

WEST BELT NATIONAL BANK
President, Chief Executive Officer, & Director
Responsible for successfully organizing and starting a new bank in January 1983.
Formed a One Bank Holding Company after 27 months of operation and negotiated non-liability financing.

NATIONAL BANK OF COMMERCE, HOUSTON
President, Chief Executive Officer, & Director
Successfully organized business development function which increased deposits by 65% and increased return on assets to 2.6%.
Improved internal organization by developing Personnel Department and Credit Training Program.

BANK TEXAS HOUSTON
Executive Vice President
Created successful business development function within lending departments and increased loans by 23%.
Successfully developed market survey for customer base to implement move of primary location while increasing deposit base.

TEXAS AMERICAN BANK HOUSTON
Senior Vice President
Managed Real Estate Department for 18 months and sold R.E.O. without loss while increasing loan portfolio by 52%.
Management responsibility for five divisions: Marketing, Business Development, Corporate Services, Data Processing, and Correspondent Banking.

UNITED SAVINGS OF TEXAS
Senior Vice President - Lending and Real Estate Investments
Successfully developed a lending training program, both mortgage and consumer, for all branch managers.
Established joint venture builder program to successfully market subdivision developments.

TEXAS COMMERCE BANK - HOUSTON
Vice President - Metropolitan Division
Completed management training program which included credit analysis of corporate customers.
Specialized lending experience in a billion-dollar bank including service industries and trust department customers.

Education

The University of Texas, Austin, Texas
BBA - Finance
1966

Stonier Graduate School of Banking
1973

Civic and Business Activities

Available upon request.