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Business Banking Relationships 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

Work Summary:

Candidate has worked in banking and real estate finance since 1972.  He has served clients in California, Oregon, Nevada, Utah, Arizona, Colorado, Kansas, Nebraska and Hawaii.  During his career, Candidate has been responsible for originating and servicing agricultural loans and managing over 100,000 acres of deeded agricultural property for an insurance company, managing a $450 Million special asset portfolio for a specialized lender and managing special assets and loan operations at three community banks, ultimately becoming credit administrator.  Candidate is a licensed California real estate broker and has provided expert witness services in the areas of banking, real estate finance and agriculture for the past 10 years and has instructed home buyer education classes for the past 7 years.

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.


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


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,

Housing Counseling Certification,
NeighborWorks America

Graduate Commercial Lending Course
American Bankers Association


California Real Estate Broker   
HUD Certified Housing Counselor


Turnaround Management Association

Work History

Owner/Broker, AB Real Estate & Business Services, Sacramento, CA, 2012 – Present
Provides loan origination, business consulting, expert witness and litigation support services in the areas of commercial banking & commercial and agricultural real estate. Instructs a homebuyer education class for a HUD certified non-profit.

SVP, Credit Administrator, Community Business Bank, West Sacramento, CA, 2009 – 2012
Responsibilities included management of $105 Million loan portfolio, including loan documentation, financial analysis, credit training, environmental analysis on high risk RE collateral, problem loans, foreclosures, OREO, and monitoring and recommending changes in allowance for loan and lease losses.  The loan portfolio included agricultural, commercial and residential loans.

VP, Manager, Loan Services Department, Gold Country Bank, Marysville, CA, 2006 – 2009
The Loan Services Department managed loan documentation, financial analysis, credit training, environmental analysis on RE collateral, problem loans, foreclosures and OREO for 5-branch community bank. The loan portfolio included agricultural, commercial and residential loans.

President/Broker, AB Real Estate & Business Services, Inc., Sacramento, CA, 2003 – 2006
Business Enterprises included:  AB Business Consulting, specializing in litigation support, business and banking forensics and AB Construction, specializing in residential remodeling.

VP, Sr. Commercial Banking Officer, Washington Mutual Bank, Sacramento, CA, 2000 - 2003
One of two relationship managers who developed and underwrote business, including credit and collateral analysis, for new regional commercial banking office.  Provided overall customer relationship management, including consultation in budgeting and planning for a diversified portfolio of commercial customers.

VP, Agribusiness Coordinator, Wells Fargo Bank, Sacramento, CA, 1999 - 2000   
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.

VP, Branch Manager, Feather River State Bank, Yuba City, CA, 1996 - 1999
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.  Managed problem loans and reviewed RE collateral for potential contamination.

Owner/Manager, Wenger & Company, Sacramento, CA, 1992 – 1995
Provided finance, real estate, management, receivership, Chapter 11 Bankruptcy Trustee and arbitration and mediation services.  Geographic territory included Central and Northern California.

VP, Manager-Special Assets, Western Farm Credit Bank, Sacramento, CA 1991 – 1992
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.

Sr. Agricultural Investment Officer, John Hancock Life Insurance, Sacramento, CA  1977 – 1991
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 joint venture and company-owned agricultural property. Established property management company to improve control over company-owned property.


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