I am an independent banking expert witness with more than 40 years of experience in financial institution operations, including direct lending, lending management, and regulatory compliance. I provide case evaluation, expert reports, depositions, and trial testimony in banking and lending matters nationwide, in both state and federal courts.

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Representative matters include mortgage, consumer, and commercial lending practices; elder financial exploitation; bank operations and fraud; lender liability; and institutional governance and oversight. My work involves evaluating banking records, decision-making processes, and operational practices within the context of generally accepted industry standards.

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My background includes executive leadership roles such as President, Chief Lending Officer, and Director of Mortgage Lending, with direct responsibility for retail banking operations, as well as mortgage, commercial, and consumer lending, and credit administration. These roles involved oversight of lending activities, credit decision processes, and day-to-day banking operations within regulated financial institutions.

 

In these roles, I was involved in lending and operational functions including credit decisions, loan underwriting, servicing practices, retail banking operations, and regulatory compliance. My experience includes direct involvement in the day-to-day activities of financial institutions across lending and operational areas.

 

My experience also includes working with outside counsel and internal stakeholders in connection with contested matters involving lending, servicing, and bank operations. This work has included review of loan files and banking records, preparation of documentation and analysis, and participation in matters involving depositions, affidavits, and court proceedings.

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All opinions are independent and non-advocacy in nature. Compensation is not contingent upon the outcome of any matter or the substance of opinions rendered.