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Banking Management Violations Of Facta Expert Witness

Expert Witness No.74


Banking, Management, Valuation, Economic

& Real Estate Consultant


Professional Background Summary

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.

Employment history

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.


College & university:

University of Alabama, 1968.

  • Awards and activities:  gold merit key award for outstanding service to the university, outstanding army rotc platoon leader award, numerous publications activities, apartment manager.
  • University of alabama, 1968, post-graduate work in finance, economics, real estate, and accounting.
  • University of houston, 1973, post-graduate work in finance, valuation, real estate law.
  • Southern methodist university, executive education courses in commercial real estate finance and securities, loan syndication, construction finance, 1983 - 1984.
  • Spring hill college, masters degree-level liberal arts and ethics courses, 1995.
  • Harvard business school, executive education.  Certificate in business valuation, 2005.


  • University military school, mobile, al.  12-year prep day school.  Graduated 1963.
  • Awards & activities:  outstanding student in english, military awards, publications.

Other professional education:

  • American bankers association - american institute of banking:  financial statement analysis, accounting, corporate finance, bank investments, principles of bank operations, bank management, trusts.
  • National institute of real estate boards, real estate investment & finance.
  • International council of shopping centers, shopping center finance & valuation.
  • National hospital association, 1-week workshop, healthcare entity finance & valuation.
  • Mortgage bankers association, two workshops:  multi-family and sfr lending.
  • Federal home loan bank of dallas, training workshops on financial institution management, lending, investments, operations, et al.
  • Texas savings & loan department, training workshops on financial institution management, lending, investments, operations, et al.
  • Federal home loan mortgage corp., real estate financing workshop.
  • Real estate workouts conference, laventhol & horwath, July 1987.
  • First national bank of mobile, al (later amsouth bancorporation, now regions financial), financial statement analysis, business finance, bank investments, credit card operations, deposit operations, bank management, trusts.
  • Gibraltar savings association (now bank of america), commercial real estate finance, valuation, joint-ventures.
  • Citicorp, business, corporate and real estate finance, valuation, deposit products, investments.
  • Southwest bancshares (later bank one, now jpmorgan chase bank) business finance and real estate investments.
  • Commercial credit corp. (now citigroup), one-week corporate marketing conference covering in-depth training in all financial products, plus 28 cdc learning center courses in business and economic subjects.
  • Frost bank, advanced credit analysis and business finance.

Other professional activities

  • Consultant on various economic, valuation, real estate, marketing, banking matters for clients in 49 states (lack vermont), two u.s. Territories, and 37 countries in the americas, europe, asia, the middle east, and africa covering work involving 66 countries.
  • Nationwide expert witness, for plaintiff and defense, listed in the american association for justice’s and the defense research institute's databases of expert witness consultants, plus state and local databases in at least 18 states and cities.
  • Engaged for over 647 expert witness cases for plaintiffs and defendants nationwide, testified 162 times and achieved 14 courthouse settlements.
  • Approved registered U.S. Government contractor.
  • Phillips  college, former adjunct professor of business.
  • Institute of financial education, approved instructor for the educational arm of the u.s. League of savings institutions.
  • Gulf coast school of real estate, instructor and course writer.
  • Prentice hall publishing, simon & schuster, paramount communications, technical editor and consultant on banking and real estate subjects.
  • Holiday inn and rodeway inns, lender advisory panels.
  • Novick’s money market seminars, panelist.
  • National directory of corporate distress specialists, approved mgt. Consultant.
  • Licensed sports agent, approved by the ncaa, major league baseball players association, and the al athlete agents regulatory commission.
  • American arbitration association, approved professional commercial arbitrator.
  • State of texas real estate commission, approved instructor and course author.
  • Texas real estate broker’s license held for over ten years.

Civic activities

  • Katy school district (houston suburb), trustee, publicly elective position.
  • U.s. Army reserve, 1966-1968, officer training, ft. Bragg, NC; honorable discharge.
  • Nottingham country civic club, officer, 1,500 family neighborhood association.
  • Sunday school teacher, usher, host.
  • Member of the high museum of art, Atlanta, Ga.
  • Grady health system – uncompensated volunteer consultant to the metro atlanta chamber of commerce’s greater grady task force studying the financially troubled grady hospital and grady health system for the purpose of making recommendations to improve the operations and finances of georgia’s largest hospital and healthcare system and atlanta’s only level 1 trauma center.

Patent application

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.

Past professional memberships

  • American bankers association
  • American institute of banking, chapter officer and bank consul
  • U.s. League of savings institutions
  • Institute of financial education, instructor
  • Mortgage bankers association
  • Texas mortgage bankers association
  • American council of state savings supervisors
  • American bankruptcy institute - committees:  public companies, real estate, international, u.c.c., commercial fraud taskforce, healthcare.
  • Board of realtors
  • National association of homebuilders
  • International council of shopping centers
  • Houston (TX) chamber of commerce, economic development committee, 9 years

Recognition in biographical reference books

  • Who’s who in america, 52nd – 60th, 63rd- 70th (2016) eds.
  • Who’s who in the world, 12th  - 16th , 26th – 27th, 32nd -  33rd (2016) eds.
  • Who’s who in finance & industry, 26th – 29th  and 33rd eds.
  • Who’s who in medicine & healthcare, 1st – 8th eds.
  • Who’s who in the south & southwest, 21st – 33rd, and 35th – 42nd (2016) eds.
  • Directory of distinguished americans, 5th ed.
  • Who’s who registry of global business leaders, 1993 - 1994 ed.
  • Who’s who of emerging leaders of america, 3rd ed.
  • Who’s who registry of business leaders, 1994 ed.
  • Personalities of america, 5th ed.; personalities of the south, 14th ed.

Full Representative client list available once retained

Books, publications & news media available once retained


















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