Credit Expert Witnesses

This mortgage expert has 30+ years of lending experience, including management positions in residential and consumer lending, secondary marketing, loan servicing, compliance, and operations. He is an accomplished third-party underwriter and quality control reviewer of mortgage loans and operations for several classifications of mortgage lenders. He has been a national-level instructor for over 20 years and has taught hundreds of lenders, as well as taught examiners and regulators on the state and federal level for banks, credit unions, and mortgage bankers/brokers. He worked with the NMLS in designing the SAFE Act federal MLO exam and in reviewing and auditing SAFE Act licensing education programs. The expert is a past Director of the Community Lending Institute Education Department for the American Bankers Association and is also the past Board Director, Strategic Planning Committee Chair, and Education Committee Co-Chair for the Connecticut Mortgage Bankers Association. In addition, he is the author of an industry standard residential mortgage textbook that is used in several hundred U.S. colleges and universities. The expert current runs two small consulting practices that specialize in mortgage and consumer lending/compliance.

This highly-qualified expert in bankruptcy law has over 15 years of experience in his field, with extensive experience in myriad commercial law matters, including bankruptcy, contract disputes, commercial loans, financial restructuring, fiduciary duties, fraudulent transfer law, corporate responsibility, leveraged buyouts, and securities. He earned his BA in business administration from the University of Miami and his JD from the University of Michigan Law School. He is active in his field with 8 peer-reviewed journal articles published with a focus on corporate bankruptcy. In addition, his recent publications have been recognized by the Harvard Law School Bankruptcy Roundtable and have appeared in the University of Connecticut Law Review, the University of Cincinnati Law Review, and the American Bankruptcy Law Journal. Before joining academia, he practiced complex financial restructuring at Latham & Watkins and Milbank, Tweed, Hadley & McCloy in Los Angeles and Baker Botts in Houston. While in private practice, he participated in cases involving Lehman Brothers and Trump Hotel & Casino Resorts. He then transitioned to academia, serving as an associate professor of law at Lewis & Clark Law School. During the 2018-2019 academic year, this expert was a Fulbright Schuman Scholar and served as a visiting professor at the University of Oxford Law School. Currently, he is a professor of law and the co-director of the Center for Business Law & Innovation at a law school in Oregon, as well as the editor-in-chief for a major law publication.

This asset lending, commercial contracts, and finance attorney currently works for a leading global law firm in New York. He earned his J.D. from Fordham University School of Law in 1982 and has been a financial attorney in New York for the past 30+ years. The expert spent over 22 years with Thacher Proffitt & Wood LLP, where he served as a Partner. He was also the Managing Partner of the New York office at SNR Denton for 2+ years. He has been recognized as a Fellow of the American Bar Foundation and was a member of the New York City Bar Association's Committee on Housing and Urban Development. He currently represents financial institutions, funds, and similar entities in purchases and loan portfolio structuring and structured and conventional financing and warehousing, and in a wide variety of mortgage market transactions, and he has (entirely successfully) acted as an expert witness in a malpractice action against a major national law firm.

This highly qualified expert has spent over 50 years working in blood banking and transfusion medicine. He earned his M.D. from UCLA, where he also completed his internship. The expert finished his residency in medicine in the San Francisco area, at UC Hospitals and San Francisco General Hospital. He is Board Certified in Internal Medicine and Blood Banking, and he is licensed in California and New York. The expert previously served as the Medical Director and Chief Executive Officer at BloodSource, a multi-location blood bank in California, from 1983 until 2004. He was also a Clinical Associate Professor of Pathology at Uniformed Services University of Health Sciences and Georgetown University School of Medicine; he continues to teach at a university in California. The expert is a member of the American Association of Blood Banks and a Past President of the International Society of Blood Transfusion.

This highly qualified banking supervisory expert is a former officer at the Federal Reserve Board, where he was responsible for regulatory policies and supervisory standards surrounding credit, market, liquidity and operational risk management at regulated institutions. The expert first joined the Federal Reserve in 1991 as a Supervisory Financial Analyst and became a Deputy Associate Director for the Board of Governors in 2004. He oversaw market and liquidity risk, as well as capital markets, and also handled operational risk policy in his last year with the Federal Reserve. Over the course of a 20-year career with the regulatory body, he established and managed regulatory and supervisory programs on the capital requirements and risk management of banking organizations' capital markets, trading and derivatives activities; treasury functions; interest rate, market risk, and liquidity exposures; and investment portfolio and asset/liability management practices. After leaving the Federal Reserve, the expert joined Ernst & Young LLP as an Executive Director of the Financial Services Risk Management Advisory Practice. He earned his Bachelor of Arts & Sciences in Economics & International Relations from American University, his Masters of Arts & Sciences in Economics from Boston College, his Masters of Business Administration from George Washington University, and his Chartered Financial Analyst credential from CFA Institute.

This expert specializes in electrical engineering issues, and has performed numerous investigations into fires caused/allegedly caused by electrical issues. His experience includes evaluation of electronics products and their failure modes to determine whether they adhered to relevant safety standards, including those established by Underwriters Laboratories and the Canadian Standards Association. He has also evaluated products and components for structural wiring compliance with the National Electric Code. His projects have included a wide array of products and components, including but not limited to electronics, appliances, HVAC/R, residential and commercial wiring, and battery failure analysis, with an emphasis on lithium ion battery chemistry. He is a licensed Professional Engineer in multiple states, and holds a Certified Fire and Explosion Investigator certification.

This banking and regulatory expert is currently a Partner in the New York Office of a global law firm. He has over 45 years of industry experience, including 30 years at the Federal Reserve Bank of New York serving as General Counsel, Chief Operating Officer and First Vice President. In that capacity, he served as an alternate member of the Federal Open Market Committee and as a staff member of the President's Working Group on Financial Markets. The expert left the Fed in 1998 to become General Counsel at AIG, a position he held from 1998 until 2006. He has a B.A. in Economics from the University of Massachusetts and a J.D. from Cornell University Law School.

This expert has been a licensed, practicing attorney since 1987. He regularly practices in both Oregon and Washington state, where he has represented numerous lending institutions, private lenders, small and large businesses, and individuals. His practice has spanned numerous commercial and business areas such as real estate transactions, commercial lending, bankruptcy, and litigation, among others. He is a regular speaker at Continuing Legal Education events in Oregon and Washington on these and other topics. He has also testified as an expert witness in state and federal courts.

This insurance expert has been working in the industry since 1974. He earned his BS from California State University, Fresno and is a licensed chartered property casualty underwriter and a casualty claim law associate. He previously held positions at Devonshire Group, West Coast Casualty Service, American States Insurance Company, and AIM Insurance Company, among others. He has served as an independent consultant and adjuster for the last 13 years.

This insurance expert works as an independent claims consultant and expert witness, primarily in the areas of bad faith claims litigation for both plaintiffs and insurance defense. She has over 20 years of experience in the property & casualty industry, handling all levels of claims, including large loss and complex claims, as well as bad faith litigation. The expert holds the CPCU, AIC-M, and SCLA designations and spent much of her career with State Auto Insurance, steadily moving up the ranks to Corporate Claim Manager and a member of the Core Management Team.

This expert has been a property valuation and appraisal consultant since 1974. He has completed valuation and consulting assignments for federal, state and local governments and agencies, public and private companies, lending institutions, trust departments, and individuals. He is nationally recognized as an appraiser of large land tracts.

As a senior Human Resources executive for over three decades, (energy, commercial banking, defense and technology), this expert has developed a comprehensive understanding of hiring and retention policies, organization effectiveness (including employee engagement and labor relations), dispute resultion and conflict management and executive recruiting. He currently serves as Executive Vice President at a large corporation in Texas, with primary responsibilities for Corporate Security, including oversight of all security personnel hired. In addition, for the past six years his responsibilities have included Corporate Human Resources & Government Relations.

This expert has more than 25 years of real estate experience in domestic and international markets. She advises public and private companies, lenders, hedge funds and secured and unsecured creditors on complex real estate issues. Specific areas of professional expertise include dispute resolution, the valuation of loan and REIT portfolios, strategic planning for the acquisition and disposition of major real estate assets, the marketability and feasibility of large scale development and the allocation of purchase price resulting from corporate acquisitions and mergers. She also performs fair value analyses for loan portfolios in accordance with generally accepted accounting standards. She has advised clients on a variety of matters for the following property types: investment grade office complexes; regional shopping malls and power centers; corporate headquarters, distribution and manufacturing facilities for Fortune 500 companies; sports and entertainment complexes; hospitals, nursing homes and related health care facilities; medical and bio-technical research and laboratory complexes; transportation and utility corridors; power generation and distribution facilities; full service hotel and resort properties; transportation and utility corridors; power generation and distribution facilities. She serves as an arbitrator and mediator for the American Arbitration Association (AAA) and FINRA, formerly the National Association of Securities Dealers (NASD). She is a member of the Counselors of Real Estate and is a Fellow of the Royal Institute of Chartered Surveyors, a global real estate professional organization. She also maintains the MAI designation from the Appraisal Institute and is a member of the Urban Land Institute (ULI). She has served on on the National Executive Committee of the Counselors of Real Estate and is on various professional boards including Adavanced Board of Real Estate Development (ABRED).

This expert is a retired manager from the investor owned gas and electric utility Wisconsin Public Service Corporation. His 25 year career included key management positions in customer service, credit and collections, revenue cycle services, field operations and project management associated with the installation of an industry leading automated metering system. Prior to joining Wisconsin Public Service, this expert worked in the banking industry as a branch manager and corporate consumer loan officer. The first 7 years of his initial professional career was spent as a teacher of social studies, history and physical education, as well as a football coach. He received his B.A. and teaching certification from St. Norbert College in De Pere, Wisconsin. He also served in various key leadership roles for both industry and community organizations.This expert has over 30 years in key leadership and managerial positions and over 25 years experience with a large investor owned gas and electric utility. He has over 10 years experience teaching and coaching and has provided expert analysis and testimony. He has assited in the successful design and implementation of an industry leading smart metering system, the successful design, training and implementation of a companywide process improvement effort, the successful redesign of Collection Services Department leading to reduced expenses, and the successful redesign of the Revenue Services Department. He ahs provided expert witness services to law firms.

This expert is the President and Chief Compliance Officer of a Registered Investment Advisory firm that he established in the 1980s. His credentials are numerous including being an Accredited Investment Fiduciary (AIF), Certified Fraud Examiner (CFE), Life Underwriter Training Council Fellow (LUTCF), and recognized by the Minnesota Supreme Court as a Qualified Neutral under Minnesota Rule 114 of Standard Practice in Mediation and Arbitration. He was formerly a Registered Securities Principal with nationally recognized FINRA Registered Broker Dealers and held numerous securities licenses and registrations. He proudly serves as a FINRA and NFA Dispute Resolution Arbitrator.

This expert is an accomplished financial professional with over 30 years experience in the design and implementation of risk management programs, business plans, and budgets. His regulatory background includes senior positions at several US regulatory agencies, including the Federal Home Loan Bank of Dallas, the Office of Thrift Supervision, and the Comptroller of the Currency. He is a certified fraud examiner and holds a BBA with a major in finance and economics and an MBA with a concentration in finance and banking from Stephen F. Austin State University. He began his career with the Office of the Comptroller of the Currency where he was involved in all aspects of supervising commercial banks including investigations of criminal and illegal activities. He also served as Special Deputy Receiver for the State of Texas Department of Insurance where he was responsible and accountable to the courts for the sale and management of a wide variety of assets, including stocks, bonds, mortgages, and other real estate holdings and closing financial statements. As Senior Vice President at the Federal Home Loan Bank of Dallas and the Office of Thrift Supervision, he was responsible for the supervision of problem financial institutions with assets in excess of $1 billion. He supervised a staff of 85+ professional and received several special recognition awards for outstanding service. Currently, he is the President and CEO of an independent financial services consulting firm that specializes in regulatory banking supervision, risk management, and internal control.

As founder and president of a well-established human resources consultancy firm, this expert has more than 28 years of experience in human resources and general management. Among his professional credits in human resource management are the establishment of comprehensive HR departments where none previously existed; the design and installation of base and incentive compensation systems and benefits plans; the development of affirmative action plans; the development of employment policies and handbooks; the recruitment of hundreds of executive through production-level employees; and international recognition for the design and implementation of technical and management training. He has earned both Bachelors and Masters degrees and is active in World-at-Work and the Society for Human Resource Management; has served two terms as Chapter President, member of the Board of Directors, and has received a Member of the Year Award. In addition, he has served on the SHRM Pennsylvania State Council, and the SHRM Area Board of Directors. He has been awarded the Senior Professional in Human Resources (SPHR) designation in recognition of his knowledge and professional expertise in the field of human resources. In addition, this expert has designed and presented training for HR professionals and has appeared on national and local television networks as a recognized expert in human resource and employment regulatory issues.

This expert specializes in structured finance, derivatives, securities and finance matters. His experience includes cash, synthetic and hybrid collateralized debt obligations (CDOs), asset-backed securities (ABS) of various types, structured investment vehicles (SIVs), collateralized loan obligations (CLOs), mortgage-backed securities (MBS), credit default swaps (CDS), interest rate swaps, credit-linked notes (CLNs), repurchase ("repo") agreements and securities fraud. As a transactional attorney he has been an Associate, Special Counsel or Partner at several of the leading transactional law firms in the United States, including Shearman & Sterling; Mayer, Brown & Platt; and Cadwalader, Wickersham & Taft. As an expert witness and/or consultant, he has worked with many of the leading litigation firms, and leading litigation departments of full-service firms, in the country, including Berger Montague; Chapman and Cutler; Kirby McInerney; Labaton Sucharow; Patterson Belknap; Robbins Geller; Scott + Scott; and Williams & Connolly.

This expert has over 30 years experience in the business, banking, finance and M&A with expertise in management, administration, and governance. He received his MBA in Financial Services from ESG UQAM in Montreal, and is a F.I.C.B. Fellow with the Institute of Canadian Bankers. He served as a compliance officer at both Laurentian Bank and ScotiaBank & Trust. He is currently an independent financial consultant.

This C-level financial executive has 35+ years of experience in investment banking, capital markets, private equity, and business development. He is an expert in the global alternative investment industry with a BS from Boston University, an MBA from Stern at NYU, and the Level I CAIA certification. He is also a regular speaker on the international alternative investments conference circuit and has contributed to various industry publications. Most recently, the expert served as a Senior Advisor for Prospect Capital Management. He was previously the Managing Director and Global Head of Strategic Business Development at Alphabridge Capital Management and also served as a Senior Vice President with WR Group Holdings. He began his career in various I-banking and private equity positions, including roles with Merrill Lynch and National Westminster Bank.