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 Expert  725905

Expert in Financial Modeling, Loan Valuation, Model Validation, Expert Witness


Available for your Consulting and Expert Witness Needs

Maine (ME)
USA
Education Work History Consulting Services Expert Witness

Summary of Expertise:

Listed with other top experts in: 

He has twenty years of experience in valuing and modeling the performance of mortgage assets. He has worked with and for banks and national financial institutions to quantify value and risk from basic Treasury-perspectives to the broader application of default probability and loss severity modeling. He has offered expert testimony on the valuation and modeling of distressed mortgages (scratch and dent loans, sub-prime, and Alt-A). Last, Expert has managed large scale systems to quantify the multitude and inherent instrument risks and alternatives.

He has led the RFP process from needs assessment to implementation, for various organizations instituting enterprise-wide risk management and Treasury platforms. In addition to implementation, he has acted as an out-sourced system manager, providing user training, rules implementation, SQL queries and related administrative functions. His broad experience and exposure affords his clients a "best-practice" approach to financial modeling and risk management.

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banking

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risk management

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loan valuation

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loan operations

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lending policy

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loan underwriting

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loan


Show Secondary and Basic Areas of Expertise
Localities:
Expert may consult nationally and internationally, and is also local to the following cities: Manchester, New Hampshire;  Nashua, New Hampshire;  Lowell, Massachusetts;  Lynn, Massachusetts;  Lawrence, Massachusetts;  Haverhill, Massachusetts;  and Portland, Maine.

Education:
Year   Degree   Subject   Institution  
1983   BA   Economics   St. Joseph's University, PA  

Work History:
Years   Employer   Title   Responsibilities

2000 to

 

(Undisclosed Consulting Company)

 

Consultant

 

He is a Quantitative consultant and management executive with over twenty years of mortgage & capital markets history; maximizing bottom-line performance, minimizing asset liabilities, and increasing ROI for various clients and organizations - ranging from start-ups to multi-billion dollar national corporations.

He has developed financial systems and workflow processing to enhance business effectiveness and designed a variety of mortgage risk models, mortgage valuation models targeting regulatory reporting requirements and traditional mortgage and banking reporting. He has developed and identified appropriate hedging systems and assisted various bank clients to optimize the appropriate mortgage interest rate risk management policy for board approval and compliance. In addition to modeling for profitability, he has worked with clients to optimize appropriate risk profile models to protect portfolio from downside risk and to provide enhanced value.

1998 to 2000

 

AMFC

 

President

 

He built and directed operations for private national mortgage conduit headquartered in Maine. The conduit was created as a platform to develop proprietary software to expedite the processing and funding of mortgage loans for sale into the secondary market. He grew the company to $1 billion annual run rate and 50 employees, until the venture fund decided to redirect their capital and consolidate operations, capitalizing on the sale of the developed software.

1993 to 1998

 

TD Banknorth, NA

 

Senior Vice President

 

He designed and directed strategic plans to drive business and profitable growth for $15B bank. He was responsible for business development and organic growth for all aspects of correspondent purchase business unit. He administered $6M annual expense budget, $18M in annual revenues, $7.2B asset portfolio, and sixty staff. Managed all aspects of business ranging from Treasury and Cash Management to Operations and IT. He headed the installation and configuration of relevant information systems including deal valuation, risk management, and servicing valuation.


Consulting Services:
Selected Consulting Examples:
  • He mitigated default risk for a mid-sized commercial bank, and achieved one hundred basis point premium enabling purchase of $200M+ in assets; conducting all modeling, pricing analysis, and presentation for asset management program; hired to sell $75M residential loans, performed data scrubbing, pricing, and transmission.
  • He assisted large multi-national manufacturing corporation in production planning, budgeting, HR and waste management metrics.
  • He was an expert witness for major Wall Street firm litigation regarding sub-prime mortgage issues, providing modeling, valuation and exposure testimony; which continues to be expert testimony for a national consulting group.
  • He was instrumental in client achieving FAS 133/138 accounting treatment for hedge activities, creating policy document for presentation for external auditors.
  • He optimized administration of $150M in annual transactions for regional mutual savings bank, creating business unit strategic plan for mortgage lending; recommended M&A of mortgage bank company and coached staff through entire initiative.
Click the green button above to contact Expert for a free initial screening call regarding your expert consulting needs.  Expert is available for consulting to corporate, legal and government clients.  Remember, your initial screening call to speak with Expert is free.

Expert Witness:
Expert Witness Experience Summary:
He has served clients as an expert witness for major Wall Street firm litigation regarding sub-prime mortgage issues, providing modeling, valuation and exposure testimony; which continues to be expert testimony for a national consulting group. OCC/SEC/FDIC model validation methodologies are applied, as well as detailed and documented reverse engineering.
Recent Litigation Client Requests:
  • Loan valuation expert for consulting on valuation of notes with impaired security case.
  • Intota expert expert for consulting on Mortgage securitization litigation.
Click the green button above to contact Expert for a free initial screening call regarding expert testimony, litigation consulting and support, forensic services, or any related expert witness services.  A few litigation needs include product liability, personal injury, economic loss, intellectual property (patent, trademark, trade secret, copyright), and insurance matters.  Remember, your initial screening call to speak with Expert is free.

Additional Skills and Services:
Training/Seminars

He has prepared and presented seminars and conference presentations on Business Process Outsourcing, Financial Modeling, Cash Flow Modeling, Model Validation, and Interest Rate Risk Management.

Supplier and Vendor Location and Selection

He has led many client and employer driven projects to source, RFP, review and select large-scale financial risk management systems.


 

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