REAL ESTATE FINANCIAL EXPERT WITNESS

Expert 938 has over twenty-five years of experience in the real estate financial services area. She has been involved in commercial, industrial and tract development throughout the Western United States. Her expertise includes loan originations, underwriting, construction and disbursement control. In addition, she is considered an expert in the field of documentation, including title and escrow matters, including workouts and restructures. Expert 938 has provided litigation support and expert testimony on lending practices, lender liability, banking, The Fair Credit Report Act and finance.

Expert 938 has held various executive management positions for major financial institutions throughout her career. Because of this broad real estate and finance background, she has been consulted as an expert witness directly by various law firms throughout California. In addition, Expert 938 has made numerous appearances, in court, on behalf of financial institutions.

Expert 938 is a frequent speaker for various trade groups including the Mortgage Bankers Association, and U.C.L.A. School of Management and the Income Property Lending Group. Expert 938 holds a Bachelor of Science Degree in Finance from California State University, Northridge. She is a member of California Real Estate Finance Committee (CREF) California Mortgage Bankers Association and Southern California Real Estate Association (SCREA).

EDUCATION

B.S., Business Administration, Finance
California State University, Northridge

EXPERIENCE

2004 - Present, Regional Manager, A Bank & Trust in California, Commercial Real Estate

2001-2004, Manager & Director, Barry Slatt Mortgage Company, Los Angeles, CA

1996-2001, Vice President & Office Manager, GMAC Commercial Mortgage Corporation, Income Property Production, Pasadena, CA

1987-1996, Senior Vice President, Manager, Southern California Savings & Loan, Income Property Division, Beverly Hills, CA

1985-1987, President & CEO, Olympic National Mortgage Corp., Los Angeles, CA

1982-1985, Senior Vice President, American Savings & Loan, Regional Manager, Santa Monica, CA

1976-1982, Vice President, Manufacturers Bank Construction Lending, Los Angeles, CA.

QUALIFICATIONS

Direct and administer loan agents in producing $150 million in loans annually.

Managed Wall Street quality portfolio of over 500 commercial real estate loans.

Directed a staff of workout specialists in the disposition of institutional REO properties throughout the United States.

Sale of participations and whole loans in the secondary market to Fannie Mae, Freddie Mac and other financial institutions.

Developed and managed a loan correspondent program for institutions outside of California.

Implemented SBA and commercial business loan program.

Member of Senior Loan Committee, Asset Liability Committee and chaired Internal Asset Review Committee.

Litigation consultation and testimony on lending practices, lender liability, banking and finance.

EXPERIENCE AND ACCOMPLISHMENTS

LOAN ADMINISTRATION

As Division Manager, negotiated, structured, and coordinated closing of over $750 million of commercial real estate loans and $150 million of business loans.

Managed and directed the origination of construction loan program including documentation, site evaluations and inspections, and disbursement control.

Directed the collection of delinquent loans and developed restructuring of problem assets.

Managed retail, office and apartment REO properties from rehabilitation to disposition. Developed the Internal Asset Review Policies and Procedures and implemented reserve and classification guidelines.

BUSINESS DEVELOPMENT

Created and managed an Income Property Lending Division including staffing, the development of policies and procedures, and implementation of competitive loan programs based on various indices.

Aggressively marketed loan programs through development of sales force, professional speaking engagements, and cultivation of a long-term client base. Increased loan production 25% annually.

OPERATIONS & PERSONNEL

Directed the development of the annual budget and capital plan for the Income Property Lending Division.

Corporate responsibility to insure institutional compliance with federal and state banking regulations including direct interaction with federal regulators.

As Division Manager, had responsibility for all personnel actions dealing with recruitment, hiring, training, counseling and termination.

PROFESSIONAL AFFILIATIONS

California Real Estate Finance Committee (CREF)
California Mortgage Bankers Association
Southern California Real Estate Association (SCREA)

COURT CASES

Available upon Request

KEYWORDS

Commercial Real Estate Loans Expert Witness, Loan Administration Expert Witness, Financial Services Expert Witness, Loan Originations Expert Witness, Underwriting Expert Witness, Construction and Disbursement Control Expert Witness, Title and Escrow Documentation Expert Witness

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