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Commercial & Real Estate Finance & Financing Consultants

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James B. Hibert
President and CEO
6965 El Camino Real, Ste. 105-599
Carlsbad CA 92009
USA
phone: 760-518-2310
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Market Street Financial Solutions provide services to banks, non-banks, and individuals with a need for financing solutions. We specialize in Commercial Real Estate and Asset Based Financing for the most basic to the most difficult loan need.

Market Street Financial Solutions is a licensed California Finance Lender and a Bureau of Real Estate Broker. Their nationwide platform allows them to access loan programs in all 50 states, giving their clients the best possible options.

President and CEO, James B. (Jay) Hibert has been an active lender in the Commercial Banking Industry for 30 years. Prior to forming Market Street Financial Solutions, Mr. Hibert joined the founding team of a San Diego Business bank as a Senior Vice President, and one of the owners of the privately held banking company. During this time he formed and managed the Bank’s Real Estate Loan Department. He also managed the bank’s largest real estate portfolio and was instrumental in developing secondary market relationships for the bank.

Mr. Hibert's extensive credit background arms him with the understanding of how banks and other lenders operate internally. He is a licensed Real Estate Broker (BRE) and his company is a California Finance Lender and Broker through the California Department of Business Oversight. Mr. Hibert's experience includes:

Commercial Lending - Bank Negotiations - Business Development - Credit Administration and Management - Real Estate Brokerage Consulting - Loan Syndication - Loan Workouts

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William H. Purcell
Investment Banking Expert Witness
225 Cedar Ridge Road
Bedminster NJ 07921
USA
phone: (908) 781-1803; cell: (908) 581-1203
fax: (908) 781-5865
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William H. Purcell has over 40 years of experience in Investment Banking, Mergers and Acquisitions, and other Finance Issues. He is currently a Senior Director at Seale & Associates, a boutique investment bank with both U.S. and foreign clients. Seale is focused on Mergers and Acquisitions, Corporate Finance Advisory, and Strategy Consulting. Mr. Purcell's past client coverage includes such companies as Anheuser-Busch, Hoechst Celanese, Volkswagen, and Metropolitan Life to name a few. He was also appointed CEO of a publicly traded company going through bankruptcy proceedings. Additionally, Mr. Purcell has been a director on several corporate boards.

Through his relationship with Seale & Associates, Mr. Purcell has affiliations with professors at The George Washington University Business School and the University of Virginia Business School. He has been an occasional guest lecturer in investment banking and finance at George Washington University and Monmouth University.

Consulting Services Include
  • Mergers and Acquisitions - LBOS and Recapitalizations
  • Fairness Opinions
  • Adequacy Opinions
  • Solvency Opinions
  • Valuations
  • Damage Issues
  • Fiduciary Issues
  • Advice to Special Committees of Boards and Trustees
  • Due Diligence and Disclosure Issues
  • Financing of debt and Equity - Public and Private
  • Leasing and Real Estate Financing
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Norman Katz
Managing Partner
18881 Von Karman, Suite 1175
Irvine CA 92612
USA
phone: 949-263-8700
fax: 949-263-0770
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MCS Associates is a nationally recognized consulting group that has provided financial, operations and regulatory/compliance consulting services nationwide to financial institutions, insurance companies and regulatory agencies as well as real estate and financial services organizations for over 30 years.

Expert Witness and Litigation Consulting are a primary focus of our services. We undertake expert witness assignments throughout the United States and our clients include several hundred leading law firms around the country, working on behalf of both plaintiff and defendant financial institutions, borrowers, depositors, investors, developers, insurance companies and their insured, securities/insurance/real estate brokers/agents, regulators and government agencies, and individuals.

Together with MCS Associates’ specialized resources in banking, financial services and real estate, we also draw on key strategic alliances in insurance, economics, academia and the securities industry to meet a wide range of expert witness needs. Our litigation experts include experienced bankers, lenders, consultants, regulators, managers, brokers & agents in insurance, real estate, and securities; insurance claims and underwriting managers; economists, accountants, appraisers, real estate analysts, and academics.

Areas of Expertise Include:
  • Banking Operations/Administration
  • Check Fraud
  • Lending Policies, Custom and Practice
  • Loan Underwriting & Credit Administration
  • Sub Prime Loan Originations, Underwriting, Securitizations & Servicing
  • Bankruptcy, Foreclosures and Workouts
  • Trust & Fiduciary Issues / Operations
  • Securities Brokerage & Investments
  • Valuations & Damages Analysis
  • Forensic Accounting
  • Employment / Compensation
  • Real Estate Brokerage & Management
  • Title Insurance & Escrow
  • Real Estate Appraisal & Transactions
  • Insurance Industry Custom & Practice
  • Insurance Coverages / Claims Handling
  • Insurance Bad Faith
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    Thomas A. Tarter
    18783 Tribune Street
    Northridge CA 91326
    USA
    phone: 818-380-3102
    fax: 818-616-4357
    Thomas A. Tarter, President of The Andela Consulting Group, Inc., Management, Financial and Advisory Services Involving Corporate Governance, Management, Compensation, Financial and Banking Matters.

    He has served on boards, assisted in corporate restructures and provided advisory services to a diverse group of clients including corporations, law firms, financial institutions and government agencies - including U.S. Small Business Administration and FDIC. Involved in over 1000 cases - national and international.

    Areas of Expertise:
    • Bank Operations -Check processing forgery, kiting,ID Theft, Ponzi schemes
    • Lending Standards - Commercial and R/E Loans
    • Consumer and Subprime Lending, Underwriting, Loan Servicing, Foreclosures / Credit Damages
    • Guarranties/Lender Liability
    • FCRA and Collection Practices
    • Bankruptcy
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    J.F. Chip Morrow
    Nationwide coverage
    San Antonio ALL States 78261
    USA
    phone: 210-651-3749
    fax: 210-651-4076
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    Profile: 47+ yrs experience in financial, mortgage & business institutions including 17+ President, CEO & Director & 6+ director of a mortgage company. 15+ years of leadership/ directorships in national & state trade associations. Over 500 federal & state nationwide cases i for FDIC, FannieMae, financial institutions, mortgage companies, businesses, non-banks, individuals. Services provided: consulting, depositions, reports, affidavits & court testimonies.

    Expertise: Financial Institutions, Mortgage Institutions, Business, Real Estate. Residential mortgage loans,construction loans, commercial real estate loans, business loans, SBA; Operations; Fraud; Lender Liability; Policy & Procedures; Fiduciary Duties, D & O conduct, Other. Reports, depositions & court testimony in Federal, Bankruptcy & state courts.

  • 500+ nationwide cases working both for defendants and plaintiffs.

  • 20+ years of in-house, industry, and outside expert witness experience.

  • 75+ depositions taken and 35+ court appearances in both Federal and state courts.

  • Clients: FannieMae, FDIC, Freddie Mac, FHA, VA, Viacom, Wells Fargo Bank, State of CA, Bank of America, Amex, Citicorp Mortgage, Washington Mutual, Bank One, Long Beach Mortgage, EMC Mortgage, JPMorganChase Bank, PacifiCare, Beal Bank, Avnet, Fidelity Title & First American Title

  • Approximately 50% of cases are for financial institutions, 40% against financial institution and 10% are other.

  • Serving clients nationally— 40% plaintiffs and 60% defendants.

  • Resume, fee information and references provided on request.
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    J. Michael Feeks
    Principal
    See Locations Below
    MA, NJ USA
    phone: 978-887-3960
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    Offices:
    150 Allen Road, Suite 100
    Liberty Corner, NJ 07938
    8 Kate's Lane
    Boxford, MA 01921

    Profile: J. Michael Feeks, one of the founders of Bank Experts Group, provides consulting services to banks and bank clients, and litigation support and expert witness services to law firms.

    Services to Financial Institutions:
    • Turnaround Strategies
    • Crisis Management and Recovery
    • Regulatory Relationships
    • Loan Review, Administration and Workout
    • Management Policies, Practices and Procedures
    Services to Bank Clients:
    • Loan Workout, Refinancing
    • Re-negotiation of Business and Commercial Real Estate Loans
    Services to Law Firms:
    • Litigation Support and Expert Witness Services
    • Consultation and Testimony in Commercial and Real Estate Lending, Business and Consumer Banking Operations and Management, and Bankruptcies and Frauds
    Background: 35+ years banking experience. 10+ years consulting experience. Served major bank in lending, branch operations and management. Served community banks as president, director and other senior positions. MBA – New York University. Graduate – Manhattan College and Stonier Graduate School of Banking.

    Bank Experts Group is a consulting firm that provides litigation support in banking-related matters and specialized assistance to banks and other financial institutions. The principals are experienced former bankers, regulators and educators with extensive experience in bank management.

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    7/26/2006 · Banking
    How do some community banks manage to go from near-failure to above-average ROAs and ROEs in a matter of a several years? How do mediocre performers achieve top-tier financial performance in similar timeframes? Generally speaking, there are at least 10 success factors underlying most turnarounds of operations and earnings

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    A. Patrick Sheahan
    Commercial Real Estate Consultant
    17470 N. Pacesetter Way
    Scottsdale AZ 85255
    USA
    phone: 480-251-5338
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    A. Patrick Sheahan has over 30 years experience in the Commercial Real Estate and Mortgage Banking fields. Mr. Sheahan has been a licensed Arizona Real Estate Broker since 1992 and owns and is the Designated Broker for Berry & Doyle, LLC.

    The company represents regional and national retail, office and industrial tenants as an Exclusive Tenant Representative. Clients have included H & R Block with well over 200 lease transactions in Arizona in the past 14 years. They also represent clients as an Exclusive Buyer Representative in the acquisition of retail, office, industrial, and income-producing properties.

    Mr. Sheahan is approved by the Arizona Department of Real Estate as both an Instructor and a Real Estate School Owner. Commercial Real Estate Seminars was founded in 2003 and he has been an approved Instructor for over ten years. Commercial Real Estate Seminars provides commercial real estate continuing education courses and Mr. Sheahan is approved to instruct over 30 commercial real estate courses and has taught courses and seminars in Phoenix, Tucson, and Las Vegas.

    Litigation Support - A. Patrick Sheahan provides consulting and testifying expert witness services in support of litigation related to commercial real estate matters and has served as an Expert Witness in over 25 cases in the past seven years. Mr. Sheahan is available for expert witness assignments throughout the State of Arizona. Types of commercial real estate within Mr. Sheahan's area of expertise include, but are not limited to, shopping centers, office buildings, industrial properties, commercial land, and apartment complexes.

    Mr. Sheahan is qualified to address the following issues in his capacity as an expert witness:
    • Arizona Revised Real Estate Statutes
    • ADRE Commissioner's Rules
    • NAR Code of Ethics
    • Broker Standard of Care
    • Salesperson Standard of Care
    • Duty of Fair and Honest Dealings
    • Mitigation of Damages
    • Standards of Practice
  • Duties to Non-clients
  • Broker / Salesperson Misrepresentation
  • Agency
  • Contract Law
  • Disclosure
  • Licensee Fiduciary Obligations
  • Real Estate Contracts
  • Commercial Leases
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    Brian H. Kelley
    23872 Marmara Bay
    Dana Point CA 92629
    USA
    phone: 213-944-8888
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    BHK Associates, Inc. (BHK), is a Banking / Finance firm comprised of former bank presidents, chief executive officers, chief creditor officers, and chief lending officers. BHK clients include banks, credit unions, title companies, financial institutions, and insurance companies.

    Advisory Services - BHK Associates, Inc., provides a broad range of advisory services to the financial industry and its clients, involving a number of disciplines: Banking Industry Standards & Best Practices, Strategic Planning and Performance Reviews, Banking Operations, Construction Lending, Due Diligence Reviews, Merger & Acquisition Reviews, Troubled Debt Restructuring, Real Estate Appraisal Issues, and more.

    Special Credits & Loan Workouts - Their experts have years of experience advising in the areas of special credits, loan workouts, and collection. Specific areas of expertise include: Problem Loan Review & Classification, Problem Loan Workout Strategies, Negotiating Loan Workouts & Forbearance Agreement, Asset Disposition and Loan Sales, Intra-bank disputes, Problem Asset Valuation, Loan Quality Assessment and Analysis, etc.

    Brian H. Kelley, Founder and Principal, is a seasoned Banking Executive, Lender, and Attorney with over 30 years of experience in lending, top management, and legal positions for both regional and larger commercial banks in California, Arizona, Washington, and Oregon. He has served as the CEO of three successful community banks and the head of a Multi-Billion Dollar lending group with a large international bank.

    Mr. Kelley earned his BA and JD from Brigham Young University. He has been admitted to the CA, UT, and HI Bar Associations. He also has extensive professional course experience in loan underwriting, credit analysis, corporate finance, and lending practices. Mr. Kelley has been a featured speaker and panelist for various industry groups, including the Mortgage Bankers Association and the National Hotel Finance & Investment Conference.

    View Brian Kelley's Expert Witness Profile.
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    John B. Schnure
    President
    224 Orchard Road
    North Barrington IL 60010-2155
    USA
    phone: 847-372-3009
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    Cambria Associates has provided consulting services to the Banking, Finance, and Real Estate industries for more than 24 years. Serving more than 100 clients over the years, and currently working with 30 banks, thrifts and credit unions with assets ranging from $100 million to $12 billion, Cambria Associates operates primarily in the Chicago area, but also in New York, California, Florida, Wisconsin and Iowa.

    Cambria Associates focuses primarily on asset and loan review for its clients, with watch-list credits, analysis of risk ratings, quality of documentation and administration, adherence to policies, and monitoring and recommendations. Their partial client list includes Banco Popular NA, Glenview State Bank, Charter National Bank, Tuscola National Bank, Buffalo Savings Bank, Blackhawk Community Credit Union, Hawthorne Credit Union, Devon Bank, THE National Bank, Farmers & Merchants Bank and Trust, Foster Bank, Western Springs National Bank, and High Country Bank.

    Banking Industry Services
    • Loan Review
    • Loan Workout
    • Policy Review
    • Bank Acquisitions Due Diligence
  • Commercial Lending
  • Real Estate Lending
  • Regulatory Response / Repair
  • Banking Litigation Support
  • Principal, John B. Schnure, President of Cambria Associates, has 40 years of experience in Banking, Bank Management, Lending, Loan Review Due Diligence, and Commercial Real Estate. He has worked with Cambria Associates for over 25 years and has worked with over 100 banks as clients over the years.

    Background - Mr. Schnure holds an MBA from Columbia University with majors in International Business and Real Estate, and a BBA from University of Cincinnati with a major in Finance. He has post-graduate study at Dartmouth College and University of Virginia Business Schools. Mr. Schnure has been President and CEO of three Chicago area banks/thrifts, and prior to that was Vice President of The Northern Trust Company in commercial lending and management.

    View John B. Schnure's Expert Witness Profile.
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    Douglas E. Johnston, Jr.
    Managing Director
    100 Wilshire Boulevard, Suite 940
    Santa Monica CA 90401
    USA
    phone: 310-917-1075
    fax: 310-393-9205
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    Doug Johnston has over 30 years of direct Senior Executive experience and CEO/C-Level management positions with national-scope companies including Commercial Banking, Mergers & Acquisitions, and Real Estate. Early in his career, he was named as a bank President in Texas where his bank received the regulators’ highest ‘Class 1’ rating. He thereafter established multiple new full-service bank offices in Texas and California over 11 years before entering the mergers & acquisitions field and becoming EVP-Finance & Administration and a ‘Founding Father’ of the largest private company in Los Angeles.

    Mr. Johnston is an investigative and strategic consultant with direct experience in finance, management, sales, and operations. He has extensive due diligence, negotiation, underwriting, and documentation experience including as a lender, borrower, buyer, investor, executive and/or seller in hundreds of transactions in the service, technology, manufacturing, real estate, and entertainment sectors across the US, with well over $2 Billion in closed transactions. Mr. Johnston has over 30 years experience in getting quickly to the heart of deals, strategy, and assessing the strengths and weaknesses of either side of a transaction. As a published author, he has written numerous articles on topics including finance and economics, and he is a past President of the Century City Rotary Club.

    Selected Professional Experience:

    Platinum Equity, LLC, 1997-2004 - EVP Finance & Administration of the largest privately held company based in Los Angeles and one of the top largest private U.S. companies, with additional offices in New York, Boston and Paris. Platinum was an early participant in the ‘private equity’ sector and has specialized in acquiring key divestitures from IBM, ATT, Viacom, WorldCom, Motorola, Alcatel, and Lucent among many others.

    Nook Sleep Systems, LLC, 2008-2013 - Co-Founder & CEO of highly acclaimed infant mattress and ancillary consumer products brand which manufactures throughout the U.S., Canada, Puerto Rico, and Australia.

    SCI Real Estate Investments, LLC, 2005-2007 - CEO/COO/Co-Founder of a ‘Top 3’ national-scope company within the $15 Billion/year Tenant-In-Common (‘TIC’) segment of commercial real estate.

    Areas of Specialization:
    • Banking & Lending
    • Mergers & Acquisitions
    • Corporate Finance
    • Private Equity
    • Due Diligence
    • Leveraged Buyouts
  • Equity Syndications
  • Asset Protection
  • Hedging & Foreign Currencies
  • Marketing & Development
  • Operating Management
  • Staffing & Employment Practice
  • View Douglas Johnston's Expert Witness Profile.
    1/17/2017 · Real Estate
    Experts in the emerging field of data analytics now provide attorneys with powerful new tools to transform and evaluate 'data dumps' exchanged during legal discovery. While many national-scope firms have developed in-house data analytics skills, regional and local firms now also have full access to third party state-of-the-art processing algorithms and optical scanning software that convert paper images to analyzable data. Over the past five years, refinements in data analytics techniques and document review software have moved to the forefront of litigation support to dramatically change the landscape of discovery. To improve case outcomes, outside experts in data analytics look to: 1) get more out of the available case data, 2) reduce human error and risk, and 3) save 30-70% (or more) in costs and time. Several examples below illustrate the case for advanced analytics.

    2/26/2016 · Banking
    Negative interest rates are a confusing topic and they may be heading to the U.S. this year. Many Americans ask what they mean and why this is all happening. Since 2014, leading European central banks have initiated 'negative interest' policies as an economic stimulus measure by means of large government-issued or sovereign bond activities. Negative rates begin where major buyers of low-risk government bonds agree to accept a return less than their original investment when the bonds mature. Since Government bond rates are the bellwether for corporate bond rates, these once-improbable 'negative interest' bonds soon become a major influence in major bank bond portfolios. The Federal Reserve and U.S. banks are now looking at them.

    7/10/2015 · Banking
    While financial market observers in the US remain focused on the timing and magnitude of the Fed raising target interest rates over the months ahead, European bond markets have begun to experience just the opposite - the never-before-seen phenomenon of actual negative bond market interest rates. Since the Global Crisis of 2008, which saw both the Fed and foreign central bankers seeking both to calm markets and to encourage growth by reducing rates to the 'zero bound,' interest rates for bellwether German bonds and across Europe in late 2014 crossed into negative territory, and for the first time in world history.

    6/12/2015 · Finance
    As billionaire Warren Buffet once noted, "Price is what you pay. Value is what you get." Interested buyers, investors and bankers looking at new initiatives with companies often share similar objectives in 'kicking the tires' to be sure a target company has properly documented its business activities. On the other side of the transaction, the subject company's Founder, Board of Directors, CEO, Chief Financial Officer, Chief Operating Officer, Accounting and/or other departments can find themselves overwhelmed by the volume of documentation requests. Third parties can test the bounds of both courtesy and reasonableness before committing to and funding a new transaction.

    5/12/2015 · Finance
    The emergence of structured finance products over twenty-five years ago enabled major commercial banks and investment houses to develop higher volumes of real estate, credit cards, automobiles and other asset-based loans in new and often more profitable ways. Historically, lenders normally generated these types of loans as portfolio loans, where the bank kept and monitored these loans on its own balance sheet and at its own risk. But beginning in the late 1980's, banks began to investigate taking an intermediary or conduit role for certain types of loan portfolios. When generating loans which met the advance underwriting criteria of large investors, banks and loan originators recognized they could simultaneously generate large fees and also promptly move these 'tailored' loan portfolios off the bank's books, by pre-packaging them for investor third parties.

    4/14/2015 · Finance
    "When it happens to you, you'll know it's true." Old Proverb A financial expert witness experienced in the due diligence process and in complex business negotiations can help unlock the valuation issues at the core of many business disputes. Merger and acquisition-related lawsuits can become an exercise in piecing together both the timing and materiality of various communications by representatives from both parties. Analysis of the specific due diligence activities undertaken and the data exchanged can yield key answers. With a full understanding of the processes and communications developed in due diligence and underwriting, business disputes can be more readily resolved.

    3/12/2015 · Economics
    Several important economic factors appear to be moving unfavorably for the US at the moment, both domestically and abroad, and there are increasing indications that America may not be able to orchestrate a global resurgence on its own. Despite encouraging signs of domestic recovery, fundamental structural problems persist in the US economy. The National Debt now exceeds $18 Trillion, the Department of Agriculture confirms that well over 46 million Americans continue on food stamps, and key voices have stepped forward asking for a deeper look at several U.S. economic statistics. Last week long-time Gallup CEO Jim Clinton very boldly drew attention to the government's recent 5.6% unemployment numbers, questioning them as overly optimistic interpretations of data, and noting on CNBC that the percentage of Americans holding full-time jobs is now the lowest in 60 years.

    2/13/2015 · Finance
    With the Federal Reserve's wide-ranging efforts to address the ongoing Credit Crisis through unprecedented money-creation activities, we are now likely witnessing the final phases of the U.S. Dollar's 64-year reign as the primary global reserve currency. Few Americans understand the implications of this dramatically unfolding global sea-change.

    1/14/2015 · Finance
    The global monetary system which was laid out by the Allied nations at Bretton Woods, New Hampshire, in 1944 is nearing its end, and daily we move closer to the threshold of a financial new world order. The United States, having created the most powerful economic system yet devised by man, and having earned global 'reserve currency status' for the US Dollar through America's unequalled military and economic power as the victor of two World Wars, is now nearing the unthinkable loss of the global financial dominance of the Dollar. Following the residential real estate 'Bubble' of 2002-2006, the sub-prime Credit Crisis of 2007, and the broader global financial meltdown which has followed, the U.S. has experienced dramatically declining levels of core lending & general economic activity.

    5/11/2015
    "In his most recent article about the never-before-in-history advent of negative interest rates in Europe and the U.S., Douglas E. Johnston, Jr., Founder and CEO of California-based Five Management, LLC advisors addresses some of the early implications of this startling new market frontier, which was not even envisioned by John Maynard Keynes, the founder of modern economic theory."
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    Gerald M. Levy
    President
    11 W. 42nd Street, suite 508
    New York NY 10036
    USA
    phone: 212-992-3408
    fax: 212-992-3686
    Gerald M. Levy, real estate and banking consultant, serves as arbitrator and mediator of real estate and construction disputes and expert witness on practice standards for real estate lending, construction lending, commercial lending, credit risk, loan guarantees, brokerage, due diligence, negotiation of transactions, landlord/tenant disputes, ground and space leases, restructurings and workouts,real estate fraud analysis, corporate real estate, and real estate valuation.

    He is Professor at NYU and was Managing Director, Real Estate Finance Division, Chase Manhattan Bank; and Senior Vice President and General Manager, Real Estate and Corporate Services Division, Chemical Bank.

    Mr. Levy holds the MAI, CRE, and FRICS designations and is a neutral for American Arbitration Association. He is a New York State Licensed Real Estate Broker and a New York State Certified General Real Estate Appraiser.
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    Catherine Ghiglieri
    President
    2300 Cypress Point West
    Austin TX 78746
    USA
    phone: 512-329-5101
    fax: 512-329-5166
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    Catherine Ghiglieri, former Texas Banking Commissioner, has more than 25 years bank regulatory experience, including 18 years with the Comptroller of the Currency. Ms. Ghiglieri has provided banking expert witness testimony in Federal and State Courts throughout the country. Ms. Ghiglieri founded Ghiglieri & Company, a full service consulting firm, which provides strategic planning, management studies, director training, and assistance with bank regulatory agencies. Ms. Ghiglieri co-founded The Bank Directors' College which provided training for bank directors and is co-author of The Ultimate Guide for Bank Directors and The Ultimate Guide for Bank Directors, Revised Edition.

    Services:
    Ms. Ghiglieri provides expert witness testimony on the following subjects:
  • Bank regulatory practices of the FDIC, OCC, Federal Reserve, and state banking departments
  • Banking industry standards
  • Banking practices and procedures
  • Federal and state banking laws and regulations
  • Bank fraud and Ponzi schemes
  • Check fraud & check kiting
  • Deposit account procedures
  • Directors' and officers' fiduciary duties
  • Corporate governance
  • Fraud detection procedures
  • Bank internal controls


  • Qualifications:
    Ms. Ghiglieri is the former Texas Banking Commissioner and has over 25 years of bank regulatory experience, including 18 years with the Comptroller of the Currency. As Texas Banking Commissioner, Ms. Ghiglieri was responsible for the supervision of the third largest state banking system in the United States, and the regulation of trust companies, foreign bank agencies, prepaid funeral contract providers, sale of check licensees, and money transmission businesses. She served as statutory receiver for failed trust companies, prepaid funeral contract providers and perpetual care cemeteries. Ms. Ghiglieri directed the statutory modernization of all statutes under the Texas Banking Department, most notably, revision of Texas’ 50-year-old banking laws. She made numerous appearances before the U.S. Congress and the Texas Legislature providing testimony on subjects such as financial modernization, and bank and funeral regulation.

    Education:
    University of Notre Dame - BBA in Finance
    Georgia State University - JD

    Licenses:
    Member of the State Bar of Georgia and the District of Columbia Bar.
    10/10/2016 · Banking
    Strategic planning has always been an important function of the board of directors, but it takes on an even more critical role when under the regulatory microscope. The OCC announced that, for the remainder of 2016, it will continue to focus on strategic risk, as banks change their business models to adapt to innovative products and services.

    8/12/2016 · Forgery & Fraud
    Ten years ago, I wrote an article on how banks could minimize their litigation risks. Unfortunately, many of the same schemes are present today as they were ten years ago, such as check fraud, check kiting, elder abuse, bookkeeper fraud, and construction loan fraud. Today, cybersecurity and other high-tech risks are consuming bankers' attention in order to reduce their operational and reputational risks. While these issues are important, here are a few of the low-tech ways in which banks can minimize their litigation risk.

    10/20/2014 · Banking
    Many banks need to add new board members because some are reaching a mandatory retirement age or because others who agreed to stay through the financial crisis now want to rotate off the board. Banks need to keep in mind that they will be under close scrutiny by any prospective candidate who will be conducting due diligence on the bank at the same time the bank is conducting due diligence on the candidate. In order to ensure your bank can attract top candidates for board positions, consider the following before beginning the recruiting process:

    11/8/2013 · Banking
    Directors in community banks are usually picked for two reasons: their expertise and their ability to bring business into the bank. Upon taking their places at the board tables, however, directors immediately learn that while bringing business into their bank is a laudable goal, they also have to ensure that their bank operates in a safe and sound manner. Directors, thus, walk a fine line between these two goals.

    2/27/2013 · Banking
    Strategic risk is currently a focus of regulatory scrutiny and the board of directors should understand what it is and how to manage it. Strategic risk is the risk to a bank's earnings and capital from making poor business decisions, from not implementing business decisions properly, or from failing to respond to industry changes.

    1/22/2011 · Banking
    As more and more banks are being downgraded to a problem bank status in this difficult economic environment, they are facing the prospect of a regulatory enforcement action.

    10/15/2009 · Banking
    Corporate governance refers to the manner in which a company is directed by its board of directors. With the collapse of such companies as Enron, WorldCom, and others, there has been greater scrutiny of corporate governance and the manner in which boards of directors make decisions affecting their companies.

    4/21/2009 · Banking
    For almost thirty years, bank regulators have operated under the Too Big To Fail (TBTF) Doctrine, whereby insolvent large banks are treated differently than insolvent community banks by keeping the large banks open and closing the community banks. Now is the time to do away with TBTF once and for all

    9/30/2008 · Banking
    Bankers are hearing horror stories about examiners’ demands and are confused as to how to plan for their next examination. What should they focus on? And will those things be the wrong things when the examiners come into their bank

    Catherine A. Ghiglieri and Jewell D. Hoover
    The Ultimate Guide for Bank Directors, Revised Edition provides bank directors with practical advice and updated information, including on Basel III, CFPB, cybersecurity and risk management, to guide the bank in a safe and sound manner.
    Catherine A. Ghiglieri and Jewell D. Hoover
    This book provides bank directors with a roadmap for navigating the challenges facing banks today.
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    Maurice Robinson, ISHC, CRE, ASA
    President
    28 Dover Place
    Manhattan Beach CA 90266
    USA
    phone: 310-640-9656
    fax: 310-640-9276
    Qualfied Expert Witness & Consultant in Hotel and Real Estate Industry Business Issues:
    • Market, economic & financial feasibility
    • Valuation
    • Disputes between owner-operator, borrower-lender, franchisor-franchisee
    • Management contracts
    • Ground & building leases
    • Partnership & JV agreements
    • Concession contracts
    • Development agreements and loan documents
    • Expert witness testimony
    • Litigation strategy, consultation and support
    • Damage calculations
    • Lost profits analysis
    • Real estate appraisals
    • Deal structuring & workouts
    • New development
    • Strategic planning
    • Market demand assessment
    • Acquisition due diligence
    • Economic, financial & investment analysis
    • Can estimate damages and appraise property values under multiple scenarios
    • Trained Arbitrator & Mediator


    Winner of the Creative Counselor of the Year for appraising the Grand Canyon.
    Recently, we were engaged by the National Park Service (NPS) to appraise the structures and other improvements that have been constructed by commercial vendors or "concessionaires" operating hotels, restaurants and other hospitality services in National Parks.

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    Michael Richards
    Principal
    21525 Norris Road
    Manhattan MT 59741
    USA
    phone: 406-282-6079 (Office) 406-581-8797 (Cell)
    fax: 406-282-6083
    Michael-Richards-Banking-Expert-Photo.jpg
    Michael F. Richards is a Banking Expert Witness and Consultant with more than 34 years of experience. His experience as a Founder, President, and Director of two De-Novo banks and the head of a work-out department for a regional bank give clients and attorneys a crucial behind-the-scene understanding of all aspects of banking.

    Mr. Richards' experience in heading a work-out department provides a wealth of knowledge in litigation testimony from the perspective of a bank officer. He has extensive experience in Lending, Lender Liability, Banking Operations, Regulatory Oversight, Policies, Procedures, and Standards of Care in the Banking Practice. Mr. Richards' represents both Plaintiffs and Defendants.

    Areas of Expertise:
  • De Novo Start-ups / Fundraising
  • Banking Practices, Policies, and Procedures
  • Standards of Care
  • Bank Officers’ / Directors’ Conduct, Actions, Negligence
  • Banking Operations
  • Credit Analysis
  • Loan Review
  • Loan Documentation
  • Bank Regulations / Law
  • Commercial and Real Estate Lending Practices
  • Consumer Lending Practices
  • Forensic Commercial Loans
  • Lender Liability
  • Loan Participation and Documentation
  • Troubled Debt Restructuring Practices, Workouts, Forbearance
  • Collection Practices
  • Loan Commitment Issues
  • Loan Guarantee Issues
  • Bank Credit Administration and Credit Policy Issues, Customs and Practices
  • Real Estate Appraisal
  • Bank Fraud
  • Bankruptcy, Fairness of Interest Rates "Cramdown"
  • 2/8/2011 · Banking
    Successful discovery and depositions require an understanding of the problem loan process in banking.

    1/17/2011 · Banking
    Selecting the appropriate expert is a very important issue and there have been many articles written about the subject.

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    Richard Payne
    57 Union Place Suite 316
    Summit NJ 07901
    USA
    phone: 908-277-0250
    fax: 908-277-3391
    richard-payne-photo.jpg
    Richard Payne is a Mortgage Banking Expert and Managing Partner for Payne Advisory, LLC. He has served as lead advisor for the RTC at Prudential Securities for Mortgage Securitizations and on the Regional Advisory Boards of both FNMA and Freddie Mac. Mr. Payne has also served as President and CEO of several large and small cap mortgage banking firms.

    Areas of Expertise include:
  • Expert Witness services
  • Put-Back Reviews
  • Mortgage Risk Evaluations
  • Loss Mitigation Strategies
  • Merger & Acquisition Advisory
  • Operational Overviews
  • Credit Reviews
  • Branch Reviews
  • Warehouse Evaluations
  • Board of Director Training
  • Government Relations
  • Hard Money Lending
  • Mortgage Capital Markets
  • Distressed Asset Reviews
  • Specialty Servicer Reviews


  • Payne Advisory, LLC, has thirty years of Wall Street and Main Street experience and assists Companies to proactively address mortgage crisis issues. Its consultants include Lisa Jones who specializes in all aspects of residential mortgage banking, state and federal regulatory compliance, underwriting, credit r
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