20+ years experience in management at banks, savings & loans, credit companies, mortgage banking companies, and a governmental financial institution regulatory agency. Positions held include board of directors member, executive vice president, senior vice president, manager of lending, manager of mortgage banking, regulatory supervisory agent tantamount to ceo). Committee memberships included loan committee, executive committee, audit committee, and pension plan trustee. Served as a corporate officer of various financial institution subsidiaries.
Management responsibilities included as many as 300 people in 22 locations nationwide in ten states and $2.15 billion (in 2017 usd) in gross assets. Directly responsible for originating over 36,000 loans of all types totaling over $5 billion, reviewing over 25,000 real estate appraisals, and reviewing well over 100,000 financial statements and credit reports.
1986 - present: Banking, Management & Economic Consultant, Woodstock, GA.
Consulting engagements covering a broad range of activities such as governmental financial institution regulatory oversight, interim management, workout and restructuring of troubled loans and foreclosed properties (residential and over 100 commercial properties), business & asset valuation, intangible asset valuation and issues, bank income tax issues, core deposit appraisals, merger & acquisition assistance, due diligence, business plans, management advice, policy and procedure manual matters, international engagements for clients in 37 countries involving work in 66 countries, writing & editing business books, feasibility studies, marketing studies, research, commercial real estate studies & advice, training & educational activities, and investment advice to investment managers, private equity funds, and hedge funds.
Expert witness engagements nationwide for 71 of the country’s top 400 law firms and hundreds of others representing plaintiffs and defendants nationwide and covering all areas of banking, mortgage banking, business valuation, intellectual property valuation, securities, investments, economics, economic damages, trusts & estates, real estate, credit cards, facta cases, check and credit card fraud, identity theft, funds transfers, international matters, leasing, bankruptcy preference, management, credit, finance, & general business. Over 650 cases. 163 testimonies (126 depositions, 37 courtroom or arbitration).
1985 - 1986: Executive Vice President, Manager of Lending & Mortgage Banking, Board of directors member, home savings (now Citigroup), Houston, TX. Number two executive. Also involved in investments, deposit activities, and credit cards. Officer of several subsidiary companies. Member of loan committee, executive committee, audit committee, et al. Restructured the management responsibilities of several departments, increasing production, efficiency, and staff utilization. Completed a $120 million (2017 usd) collateralized mortgage obligation loan securitization transaction through salomon bros. Improved profits and reduced delinquencies.
1984 - 1985: Senior Vice President, Manager of Lending & Mortgage Banking, First Federal Savings (later guaranty bank, now bbva compass bank), San Antonio, TX. Number two executive. Also involved in investments, deposit activities, and credit cards. Increased lending activities 40% in one year while reducing delinquencies and without adding to headcount.
1983 - 1984: Southwest regional manager, ford motor credit corp., Houston,TX
Manager of commercial real estate finance, and some financing with car dealers.
1977 - 1983: Regional manager, commercial credit company (now citigroup), Houston,TX. Manager of commercial and residential real estate financing for the southwest, and formally trained & involved in all financial products offered by the $17 billion (2017 usd) company. Chosen to open the company’s first commercial real estate lending field office. Top business producer every year. Received the company’s largest bonus ever awarded - twice.
1974 - 1977: Manager of commercial real estate lending and mortgage banking, southwest bancshares (later bank one, now jpmorgan chase bank), Houston,TX. Also involved in the origination and administration of construction loans, deposit & investment activities for lending clients including wealthy foreign nationals, corporate & personal lending, and credit card operations. Created and managed a commercial mortgage banking entity for a multi-bank holding company.
1973 - 1974: assistant regional manager & assistant treasurer, citicorp real estate, Houston,TX. Mortgage banking and construction lending for citibank, n.a. (NY), and deposit, investment, and trust activities for wealthy foreign clients. Helped establish a new office in houston, including staffing and the formulation of operating policies & procedures. Primary territory covered seven states, and operated nationwide & internationally. One of citicorp’s youngest officers ever. Top business producer.
1972 - 1973: loan officer & manager of lending department, gibraltar savings (now bank of america), Houston,TX. At age 26, managed the day-to-day lending operations of texas’ largest s&l (55th largest in the u.s.). Handled construction & subdivision development loans, joint-ventures, commercial property lending, reo management, and high-volume builder accounts. Completed & implemented several bonus-winning workflow efficiency improvement projects for various departments.
1968 - 1972: first national bank of mobile (later amsouth, now regions financial), Mobile,AL. Mortgage and real estate specialist in the wealth management area of the trust department. Trained and worked in all areas of the bank including checking & savings, credit, corporate lending, mortgage lending, mortgage servicing, personal lending, operations, check processing, audit, international, investments, trusts & estates, corporate pension plan management, portfolio management, registered stock transfer agent & registrar, corporate bond trustee & registrar, fiscal & paying agent, bank security, credit card ops, ach, and funds transfers.
University of Alabama, 1968.
On July 8, 2002, the United States Patent & Trademark office registered a provisional patent application to don coker for a business process for improving the prevention and detection of financial fraud involving personal and business checks, cashier’s checks, postal and commercial money orders, letters of credit, bills of exchange, drafts, and many other types of financial instruments. On July 1, 2003, the formal patent application was filed. A sale agreement (including a retained profit participation) assigning (selling) this pending patent application was executed in December 2006; closed in early 2007, and the technology was licensed to multiple parties beginning in 2007 and most recently licensed to samsung and htc (a taiwan cell phone manufacturer) in 2010.
Full Representative client list available once retained
Books, publications & news media available once retained
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