Credit Expert Witnesses in New Mexico

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 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.

This expert began his career in underwriting in the 1960's, managing a regional general agency with broad underwriting authority specializing in property real and personal coverage, running the gamut from simple auto and homeowners’ policies to complex property, inland marine, manufacturer’s output and ocean marine policies. When he sold his agency in 1988, he had 60 employees and annual revenues in excess of $10,000,000. His career also includes a wealth of claims experience, personally having draft issuing authority to settle claims for a number of different insurance carriers. He currently manages a consultancy dedicated to standard of care issues special realationships underwriting and claims handling issues.

This expert is a 44+ year veteran of the mortgage industry, has been an owner-operator of three mortgage banking companies, a software company, and several leading consultancies. Additionally, he is a regular guest on FOX Business News and CNBC, and currently hosts his own weekly radio podcast on mortgage lending. He produces a daily one-minute consumer-facing market commentary video that is viewed by millions of Americans each month, and he publishes articles in a number of leading industry publications.

This highly-qualified expert has extensive experience with consumer credit, credit cards, travel and loyalty programs, FCBA, SCRA, and the CARD Act of 2009. He earned his BA in history from the University of Delaware and worked as a computer systems administrator for companies like IBM, Boeing, the US Geological Survey, and the Colorado State Legislature before transitioning to the realm of consumer credit. This expert is a freelance writer for several personal finance and travel websites, with his work frequently syndicated to mainstream finance media outlets. Currently, he is the president of a business management consultancy in Colorado, as well as the founder and producer of a credit and credit card media conference.

This expert has 15 years of surety bond underwriting experience for both contract and commercial bonds. He earned his BS in business from the University of North Texas and is a licensed insurance agent and an associate in fidelity and surety bonds. He previously served as a member of the surety industry task force for the City of San Antonio and as a program provider for the bonding technical assistance program apart of the Texas Department of Transportation. He is currently a bonding technical assistance provider for a state department of transportation and the owner of a surety insurance agency in Texas.

This highly qualified expert earned his MD from the University of Pretoria and completed his Orthopedic Surgery residency at Pretoria Academic Hospital and Kalafong Hospital. He then went on to complete a fellowship in Orthopedic Oncology at the University of Florida and a fellowship in Tumor Surgery and Tissue Banking at Cornell University. He is Board Equivalent Certified in Orthopedic Surgery. This expert has published over 60 peer-reviewed journal articles and has Co-authored 12 books and manuscripts. He is a reviewer for several national and international journals such as, The Orthopedic Review Journal, the Journal of Bone Surgery ,Current Oncology, and the SA Orthopedic Journal. This expert currently serves as Professor of Orthopedic Surgery and Director of the Musculoskeletal Tumor Unit at a major university affiliated medical center.

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.