Credit Expert Witnesses in Texas

This expert specializes in electrical engineering issues, and has performed numerous investigations into fires caused/allegedly caused by electrical issues. His experience includes evaluation of electronics products and their failure modes to determine whether they adhered to relevant safety standards, including those established by Underwriters Laboratories and the Canadian Standards Association. He has also evaluated products and components for structural wiring compliance with the National Electric Code. His projects have included a wide array of products and components, including but not limited to electronics, appliances, HVAC/R, residential and commercial wiring, and battery failure analysis, with an emphasis on lithium ion battery chemistry. He is a licensed Professional Engineer in multiple states, and holds a Certified Fire and Explosion Investigator certification.

As a senior Human Resources executive for over three decades, (energy, commercial banking, defense and technology), this expert has developed a comprehensive understanding of hiring and retention policies, organization effectiveness (including employee engagement and labor relations), dispute resultion and conflict management and executive recruiting. He currently serves as Executive Vice President at a large corporation in Texas, with primary responsibilities for Corporate Security, including oversight of all security personnel hired. In addition, for the past six years his responsibilities have included Corporate Human Resources & Government Relations.

This expert is an accomplished financial professional with over 30 years experience in the design and implementation of risk management programs, business plans, and budgets. His regulatory background includes senior positions at several US regulatory agencies, including the Federal Home Loan Bank of Dallas, the Office of Thrift Supervision, and the Comptroller of the Currency. He is a certified fraud examiner and holds a BBA with a major in finance and economics and an MBA with a concentration in finance and banking from Stephen F. Austin State University. He began his career with the Office of the Comptroller of the Currency where he was involved in all aspects of supervising commercial banks including investigations of criminal and illegal activities. He also served as Special Deputy Receiver for the State of Texas Department of Insurance where he was responsible and accountable to the courts for the sale and management of a wide variety of assets, including stocks, bonds, mortgages, and other real estate holdings and closing financial statements. As Senior Vice President at the Federal Home Loan Bank of Dallas and the Office of Thrift Supervision, he was responsible for the supervision of problem financial institutions with assets in excess of $1 billion. He supervised a staff of 85+ professional and received several special recognition awards for outstanding service. Currently, he is the President and CEO of an independent financial services consulting firm that specializes in regulatory banking supervision, risk management, and internal control.

This expert is a 44+ year veteran of the mortgage industry, has been an owner-operator of three mortgage banking companies, a software company, and several leading consultancies. Additionally, he is a regular guest on FOX Business News and CNBC, and currently hosts his own weekly radio podcast on mortgage lending. He produces a daily one-minute consumer-facing market commentary video that is viewed by millions of Americans each month, and he publishes articles in a number of leading industry publications.

This expert has 15 years of surety bond underwriting experience for both contract and commercial bonds. He earned his BS in business from the University of North Texas and is a licensed insurance agent and an associate in fidelity and surety bonds. He previously served as a member of the surety industry task force for the City of San Antonio and as a program provider for the bonding technical assistance program apart of the Texas Department of Transportation. He is currently a bonding technical assistance provider for a state department of transportation and the owner of a surety insurance agency in Texas.