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 Expert  729944

Expert in Commercial / Consumer Lending & Loan Review, Credit Policy Oversight , Risk Mgt., Bank Training.

Available for your Consulting and Expert Witness Needs

North Carolina (NC)
Coastal Southeast
Education Work History Career AccomplishmentsPublicationsConsulting Services Expert Witness Market Research

Summary of Expertise:

Listed with other top experts in: 

Expert has extensive banking industry experience (15 plus years) to include: Sr. Commercial Loan Underwriter, Credit Policy Officer, Regional Manager Commercial Lending. He has additional experience as Indirect Lending Manager (dealer finance), Sr. Consumer Lending Officer, Bank Service Quality Trainer.

Expert has specific banking skills and abilities to include portfolio risk management, business analysis, training facilitator, business-to-business relationship management, and business development.

Expert has experience most recently as a Senior Banking Consultant for a firm specializing in enterprise risk management. Assisted in developing a correspondent banking program to include; authoring / editing a risk management methodology manual for client's upcoming OTC examination. Also served as risk management liaison to client's Executive Team.

Expert has extensive experience in the merchant services / bankcard industry to include; Sr. Business Development Officer, business analyst, contract negotiator and departmental training facilitator.

Prior instructor for the American Institute of Banking, American Bankers Association and Service Quality Excellence Trainer within a large commercial bank. Expert holds a Graduate Degree in Strategic Business Management.

Acted as Professor's Assistant at The University of Maryland helping teach the graduate program capstone course on the Global Business Environment and Strategic Management. (training positions were in the evening in addition to primary employment)


commercial loan


construction lending


home equity line of credit


direct auto loan


indirect auto loan


lending policy


loan underwriting


risk management


credit card


employee training


loan workout

Show Secondary and Basic Areas of Expertise
Expert may consult nationally and internationally, and is also local to the following cities: Virginia Beach, Virginia;  Norfolk, Virginia;  Chesapeake, Virginia;  Newport News, Virginia;  Hampton, Virginia;  Portsmouth, Virginia;  Suffolk, Virginia;  and Greenville, North Carolina.

Year   Degree   Subject   Institution   Honors
2001   Master of Science   Strategic Business Management   University of Maryland   GPA 3.70
1979   Bachelor of Science   Marketing / Economics   University of Maryland   GPA 3.10
1977   Associate of Arts & Sciences   Business Administration   Montgomery College  

Work History:
Years   Employer   Department   Title   Responsibilities

2011 to 2012


Strategic Risk Associates, LLC


Bank Consulting


Senior Manager / Consultant


Expert played an integral part in the development of an enterprise risk management methodology and risk assessment to best prepare the client bank for their pending OTC examination. He also acted as a liaison to client bank's executive management team.

2006 to 2011


The East Carolina Bank


Loan / Credit Administration


Regional Commercial Lending Officer / Credit Policy Officer


Expert has specific banking skills and abilities to include, commercial underwriter, credit policy, ECOA compliance, portfolio risk management, business analysis, training facilitator, B2B relationship management, business development and appraisal review.

1997 to 2006


Global Payments, Inc.


Business Development / Merchant Banking Services


Sr. Business Development Officer


Expert served in a senior capacity in New Business Development, Client Relations, B2B Strategic Alliances, Departmental Training Facilitation and Contract Negotiations.

1994 to 1997


Auto One Acceptance Corp.


Indirect Auto Dealer Finance


Territory Area Manager (Delaware, Maryland, Virginia)


Dealer finance new business development, indirect automobile loan underwriting, contract negotiations, B2B alliances along with relationship management and a tri-state territory marketing initiative.

1988 to 1994


First American Bank Metro Corp.


Consumer Lending / Dealer Finance (indirect lending)


Senior Consumer Lending Officer / Indirect Lending Manager


Expert served as a Senior in Consumer loan underwriting, also in management of the Indirect Auto Lending Department, a bank wide service quality training facilitator and a foreclosure / loan workout specialist.

Career Accomplishments:

Rotary Club International (Secretary - First Flight, NC Chapter).

Risk Management Association - commercial banking.

American Association of Finance & Insurance Professionals (AFIP).


Certified by Association of Finance and Insurance Professionals.

Certified Instructor - American Bankers Association. (previous)

Certified Professor's Assistant - University of Maryland (business management)

Professional Appointments

Secretary - Rotary Club International (First Flight Chapter)


"Circle of Excellence " award for being top producer At First American Bank.

Medical/Professional Internships


Publications and Patents Summary


Consulting Services:
Selected Consulting Examples:
  • Expert has had experience as a business analyst / consultant related to understanding cash flow drivers, cost containment, profitability and business process.
  • Expert has consulted to various banks on how to set up an Indirect Lending Department.
  • Expert has advised various banking institutions on how to pursue service quality initiatives.
  • Served most recently in the development of a risk management banking methodology for a firm specializing in enterprise risk management. We developed a manual to aid then in their upcoming OTC examination.
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:
Recent Litigation Client Requests:
  • Comercial loan underwriting expert for consulting on and/or litigation ti review commercial loan underwriting and address standards.
  • Missouri Commerical Lending Unerwriting expert for consulting on Due Diligence.
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
Spanish   Expert has minimal but passable usage.

Market Research:
He was a resource in East Carolina Bank's market area (northeast North Carolina) for industry trends in bank training facilitation, and B2B alliances.

Commercial banking customer resource for new business evaluations and start-ups.

Resource for advanced software to analyze business cash flows and credit worthiness.

Click the green button above to contact Expert for a free initial screening call regarding your marketing research, industry research, and company research needs.  For research needs involving multiple experts or secondary research, a Research Director can be assigned to coordinate the work into a custom report for you as a potentially quicker and more cost effective alternative to doing this work yourself or hiring a boutique consultancy.  Remember, your initial screening call to speak with Expert is free.

Additional Skills and Services:

Training Instructor - American Institute of Banking - taught 3 courses (loan underwriting, bank marketing, selling bank products).

Training Facilitator - First American Bank - delivered numerous seminars on service quality excellence for a bankwide Malcomb Baldridge Award Initiative.

Professor's Assistant - University of Maryland - business management.

Consumer Lending Trainer - United Savings Bank - designed, developed and delivered 12 training modules for lending department and branch personnel.

Supplier and Vendor Location and Selection

Experience sourcing auto dealer networks within the Indirect Lending Department at First American Bank.

Experience sourcing and evaluating commercial real estate appraisers for East Carolina Banks.

Other Skills and Services

Seminars taken and experienced in commercial real estate evaluations and review.

Compliance for ECOA and TIL as they relate to bank adverse actions in Loan Administration.


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