Consultant – Forensic Mortgage Underwriting Client Base – Wall Street Investment Banking Firms Objective – Provide clients with a forensic analysis on loan level details.

After 45 yrs in the mortgage and real estate industry, I am qualified to comment on any variety of issues.

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.

Thorough understanding of all aspects of mortgage broker business with over 15 years of experience in mortgage brokering and banking. Past President of the National Association of Mortgage Brokers.

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.

Certified Notary Public Instructor providing expert training in notary laws and correct notarization procedures

34 year career and Chief Credit Officer for First Interstate Bank and have partipated as an expert witness or consultant in the banking industry for over 25 cases.

Certified Mortgage Consultant; Certified Mortgage Technologist; National Ethics Bureau Member; CA DRE Broker with 20 years of financial services expertise spanning both coasts. Specializing in mortgage banking origination and operations;regulatory compliance and secondary marketing.

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.

40+ years financial institutions experience including 17+ years as President / CEO / Director & 6+ years Mortgage Company director. 34+ years of loan experience: real estate, mortgage, warehousing, construction, business, consumer, international, SBA, L/C. Other areas: brokers, operations, fraud, check processing, lender liability, policies & procedures, compliance, fiduciary duties, officer/director conduct. 15+ years of leadership in banking trade associations at the state and national levels. 175+ nationwide cases including FDIC, State of California, banks & non-banks.