Forty years designing and implementing telecommunications and computer technology for Wall St. and domestic & foreign banks.

real estate banking credit finance

Expert Banking and Mortgage professional with over thirty-five years experience in senior management positions in the consumer loan and mortgage loan fields, as well as thorough understanding of auto broker business. Expert witness testimony.

Experience encompasses all aspects of trading from buying and selling, dealing with banking lines and documentary credit problems, to insurance and shipping.

Over 30 years of hands-on check, deposit, cash management, loan operations and branch office products and services experience at banks, savings and loans and other financial services organizations.

Professional financial services executive and consultant with extensive loan, operations, project, risk management, sales and management experience. Loan experience includes commercial lending, consumer credit, credit card and mortgage lending.

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 Real Estate Management   Supported by Over 40 years in commercial and agricultural banking Over 10 years as manager of problem loan department 3 years as Chapter 11 trustee Appointed provisional director for family corporation Negotiated dissolution of several joint ventures Established property mgmt. company for John Hancock Life Ins. Co. Testified in depositions and court in cases for employers, as Chapter 11 trustee, and as an expert   Education A. A., Northeastern Jr. College, Sterling, CO B. S., Colorado State University, Ft. Collins, CO   Additional Coursework Housing Counseling Certification, NeighborWorks America 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 & Certification California Real Estate Broker since 1992 HUD Certified Housing Counselor since 2006    SEE CASE SYNOPSIS ON WEBSITE.

  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 Real Estate Management Supported by Over 40 years in commercial and agricultural banking Over 10 years as manager of problem loan department 3 years as Chapter 11 trustee Appointed provisional director for family corporation Negotiated dissolution of several joint ventures Established property mgmt. company for John Hancock Life Ins. Co. Testified in depositions and court in cases for employers, as Chapter 11 trustee, and as an expert Education A. A., Northeastern Jr. College, Sterling, CO B. S., Colorado State University, Ft. Collins, CO Additional Coursework Housing Counseling Certification, NeighborWorks America 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 & Certification California Real Estate Broker since 1992 HUD Certified Housing Counselor since 2006

Thirty years experience in all phases of bank operations and regulations. Advanced degree.

30+ years of commercial/residential real estate lending experience in major southwest US markets. 10+ years of management experience in a commercial banking environment. Expert in underwriting, documentation and administration of real estate portfolios. Expert in early detection and work out of problem assets, loss mitigation, bankruptcy, OREO. Extensive lending experience with local, regional and national home builders. Excellent business development, negotiation, credit analysis and presentation skills. Ability to create high yielding production offices and build efficient, productive and cohesive teams.