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 Expert  729290

Expert in Banking, Note Valuations, Promissory Note Valuations, Mergers & Acquisitions, Strategic Planning.

Available for your Consulting and Expert Witness Needs

Colorado (CO)
Education Work History Career Accomplishments Consulting Services Expert Witness

Summary of Expertise:

Listed with other top experts in: 

Expert has a B.S. Degree in Accounting from Brigham Young University, Provo, Utah; a certificate of graduation from Stonier Graduate School of Banking at Rutgers University, Rutgers, New Jersey; and other professional credentials to include past designations as a: Certified Public Accountant, Chartered Bank Auditor, Series 7 Registered Securities Representative, Commercial Real Estate Broker Associate, and a Life and Health Insurance Agent. He has been actively engaged in the financial services arena for over 30 years during which time he served as Chief Financial Officer for three banking organizations, a Commercial loan officer for three institutions, and with Expert Financial Services, provided financial consulting services in the valuation of financial instruments, new business start-ups, and strategic planning, finance, accounting, and technology for small businesses.

Given his extensive background in banking and finance, Expert considers himself a competent expert in analyzing and valuing various types of bank notes and cash flow instruments, to include: business loans; commercial loans; commercial real estate financing, construction loans; and commercial leases. Determining the "fair market” value of these types of financial instruments, as conducted by an independent third party evaluator, allows the holders of such financial instruments to compare the discounted future cash flows to the holder's current principal balance, thus enabling the decision to either hold or sell the investment. Expertise is required to assess the real elements of risk. The assessment of the various elements of risk, applied by the note appraiser, is embedded in the applied discount rate used in the valuation process. Expert Financial Services has the training and experience to deliver a quality and defendable valuation report tailored to the specific needs of the individual or entity holding such financial instrument(s).


promissory note


loan valuation

As the Chief Financial Officer of three banking organizations, Expert gained a high degree of expertise in managing the accounting; treasury/investment; taxation; mergers/acquisitions; information technology, and strategic planning functions of these institutions. Valuing and purchasing distressed bank promissory notes, project management, and assessing the value of business merger/acquisitions were all part of his many responsibilities.

As a commercial loan officer, Expert originated, underwrote, processed and closed millions of bank commercial loans, construction loans, lines of credit and equipment leases, all of which required the assessment of cash flows, regulatory compliance, collateral evaluation, and borrower risk assessments.



With professional training and over 15 years of strategic corporate, business, operational and financial planning Expert: (i) compiled and implemented a strategic plan for the successful turn-around of a failing $3.0 billion financial institution which involved management restructuring, capital procurement, implementation of an asset/liability plan; improvement in asset quality; and development and implementation of a client server IT environment – thus saving the shareholders millions of dollars; (ii) compiled and implemented a plan to consolidate the data processing centers of three multi-state and national financial institutions aimed at reducing annual operating costs in excess of $4.0 million; (iii) compiled and implemented a plan to consolidated the back room operations of 27 affiliated unit banks resulting in a $2.0 million annual profit enhancement; and (iv) directed the strategic planning process for a multi-unit company

strategic planning

Expert successfully appraised, evaluated, and negotiated the acquisition of seven failing banks from the FDIC; two bank acquisitions; and one bank divestiture. He conducted the asset due-diligence for the merger of two public companies which, amongst other due diligence, involved and extensive review and analysis of distressed assets. He also brought together the merger of two multi-state companies.

mergers and acquisitions

Show Secondary and Basic Areas of Expertise
Expert may consult nationally and internationally, and is also local to the following cities: Denver, Colorado;  Colorado Springs, Colorado;  Aurora, Colorado;  Fort Collins, Colorado;  Arvada, Colorado;  Pueblo, Colorado;  Westminster, Colorado;  Boulder, Colorado;  Greeley, Colorado;  and Longmont, Colorado.

Year   Degree   Subject   Institution  
1978   Certificate of Graduation   Banking   The Stonier Graduate School of Banking at Rutgers University, Rutger's New Jersey  
1968   B.S. Degree   Accounting and Business Administration   Brigham Young University, Provo, Utah  

Work History:
Years   Employer   Title   Responsibilities

1995 to




Consultant / Owner


Expert has been providing financial services since 1995 to include: loan / promissory note valuations; consulting to new start-up and small businesses; strategic planning; finance; accounting; and technology

2002 to 2010


VP - Commercial Banks


Vice President - Commercial Lender


At various times during the time period noted above, Expert, a commercial lender for three commercial banks, originated, underwrote, processed and closed millions of loans, to include: commercial loans; commercial real estate mortgage; lines of credit; equipment financing; residential home loans; residential and commercial development loans; hospitality loans; and restaurant / convention center loans.

1980 to 1995


CFO - Commercial Banks


Chief Financial Officer - Senior Vice President


As the Chief Financial Officer of two banking institutions, Expert: successfully turned around a failing $3.0 billion bank – saving the shareholders millions of dollars; Negotiated the acquisitions of nine banks – significantly enhancing franchise values; formed two service companies – bringing millions of savings to the bottom line; and conducting the due-diligence with regard to the merger of two public companies – assessing and disclosing the quality of the assets of the merging entities.

1968 to 1980




Accounting Officer


Amongst other duties and responsibilities associated with his accounting positions with two banking organizations, Expert was responsible for establishing new branch banks.

Career Accomplishments:

Expert's past designations include: Certified Public Accountant; Chartered Bank Auditor; Series 7 Registered Securities Representative; Commercial Real Estate Broker Associate; and a Life and Health Insurance Agent

Consulting Services:
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:
Expert was called as an expert witness before a Grand Jury involving bank fraud pertaining to brokered certificates of deposit.
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.

Language Skills:
Foreign Language   Description
German   Expert spent two and one-half years in country and is somewhat fluent in German.

Additional Skills and Services:
Other Skills and Services

Expert is a capable speaker and writer.


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