Banking Business Agricultural Loans Expert Witness

Expert Witness No.2251

Areas of Expertise

Business & Agricultural Loans, Lines of Credit and Real Estate Loans
Business Banking Relationships
Business Credit Analysis
Loan Documentation
Business Enterprise Economic Analysis
Loan & Real Estate Due Diligence
Real Estate Purchase & Sale Transactions
Loan Foreclosures
Problem Loan Management
Property Management
Residential Construction

Supported By

Over 30 years experience in commercial and agricultural banking
3 years experience as manager of problem loan department at two financial institutions
3 years experience as Chapter 11 trustee
Established property management company for John Hancock Life Insurance Co.

Education

A.A., Northeastern Jr. College, Sterling, CO
B. S., Colorado State University, Ft. Collins, CO

Management Development Coursework

Contractor License Series, Allied Business Schools
7-Course Real Estate Broker Series, University Programs
Mgmt. Training Series, John Hancock Life Ins. Co.
Colorado School of Banking, University of Colorado
Chapter 11 Trustee, U.S. Trustee
Arbitrator Training, American Arbitration Association
Toxic and Hazardous Substance, DBS&R

Licenses

California Real Estate Broker
California General Contractor

Work History

2003 – Present, President/Broker
A Real Estate & Business Services Company  (Full Company Name Provided Upon Request)
Sacramento, CA

This Real Estate & Business Services Company has three divisions.  One division provides services in litigation support and business & banking forensics.  Another division specializes in residential remodeling.  The third division is a property management firm.

2000 – 2003, VP, Sr. Commercial Banking Officer

Washington Mutual Bank

Sacramento, CA,

One of two relationship managers developing and underwriting business for new regional commercial banking office.

Provided overall customer relationship management by offering a full array of banking products and services and consultation in budgeting and planning for a diversified portfolio of commercial customers.

Provided consistently superior customer service in order to attract and retain clientele. Member of Washington Mutual’s Premier Group, which recognized employees for superior performance.

1999 – 2000, VP, Agribusiness Coordinator
Wells Fargo Bank
Sacramento, CA

Managed agricultural loan portfolio of $80MM in working capital and term commitments to major, diversified farming, ranching and agribusiness operations in Northern California. Provided overall customer relationship management and managed non-agricultural relationships as needed within geographic territory.
1996 – 1999, VP, Branch Manager
Feather River State Bank
Yuba City, CA

Promoted twice to positions of increasing responsibility, becoming manager of one of two vital branches for community bank with assets over $300MM. Branch was responsible for Bank’s SBA loans, equipment leases and non-agricultural commercial loans. Interfaced with note department on loan and lease documentation and with subsidiary leasing company to underwrite, purchase and book leases. Bank’s trade area included 11 offices in Central and Northern California, serving agriculture and the business community.

1992 – 1995, Owner and Manager
Wenger & Company
Sacramento, CA

Provided finance, real estate, management, receivership, Chapter 11 Bankruptcy Trustee and arbitration and mediation services. Typical geographic territory included Central and Northern California.

1991 – 1992, VP, Manager-Special Assets
Western Farm Credit Bank
Sacramento, CA
 
Farm Credit, a nationwide GSE, provides credit to the agriculture industry. Managed 11th Farm Credit District real estate investment portfolio of substandard loans and acquired property, including loan servicing, collections, workouts, foreclosures, property management and sales.

The region served was California, Nevada, Utah, Arizona and Hawaii.

1977 – 1991, Sr. Agricultural Investment Officer
John Hancock Life Insurance
Sacramento, CA

Promoted twice to positions of increasing responsibility, relocating from the High Plains region and becoming manager of the Sacramento region. Managed California and Hawaii real estate investment portfolio, including origination, customer service, collections, workouts, foreclosures and managed portfolio of joint venture and company-owned property.

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