Credit Expert Witnesses in Virginia

This highly qualified banking supervisory expert is a former officer at the Federal Reserve Board, where he was responsible for regulatory policies and supervisory standards surrounding credit, market, liquidity and operational risk management at regulated institutions. The expert first joined the Federal Reserve in 1991 as a Supervisory Financial Analyst and became a Deputy Associate Director for the Board of Governors in 2004. He oversaw market and liquidity risk, as well as capital markets, and also handled operational risk policy in his last year with the Federal Reserve. Over the course of a 20-year career with the regulatory body, he established and managed regulatory and supervisory programs on the capital requirements and risk management of banking organizations' capital markets, trading and derivatives activities; treasury functions; interest rate, market risk, and liquidity exposures; and investment portfolio and asset/liability management practices. After leaving the Federal Reserve, the expert joined Ernst & Young LLP as an Executive Director of the Financial Services Risk Management Advisory Practice. He earned his Bachelor of Arts & Sciences in Economics & International Relations from American University, his Masters of Arts & Sciences in Economics from Boston College, his Masters of Business Administration from George Washington University, and his Chartered Financial Analyst credential from CFA Institute.

This expert has 13 years of experience in residential appraising in most MD counties. She is a Certified Residential Real Estate Appraiser, working with both lenders and individual clients to provide prompt and accurate real estate valuations for the purpose of purchase, refinance, estate and financial planning, tax appeals and other purposes. Prior to her position as Lead Appraiser/ Owner of a real estate appraisal firm, she was Appraiser at RT Appraiser. She is also a licensed Realtor.

This expert has over 60 years of experience in the field of insurance. He earned his BS at David Lipscomb University and is a Licensed Property and Casualty Insurance Agent, as well as a Life and Health Insurance Agent. He a certified Chartered Property and Casualty Underwriter, as well as an Associate in Risk Management. He is active in his field as a member of the National Chartered Property Casualty Underwriter Society, and has published on topics relating to the field of insurance. He has previously served as the Vice President of Tennessee Underwriters, and for the last 17 years has served as the President of an insurance consulting service in Tennessee.

This highly-qualified expert has over 25 years of experience in work zone safety, with demonstrated experience in health and safety management, regulatory compliance, safety auditing and reviews, and accident and incident investigations in areas of construction and mine safety. He earned his AS in electronics systems technology at Community College of the Air Force and his BS in occupational safety and health at Columbia Southern University. This expert holds several certifications in his field, including as a certified safety professional (CSP), a certified construction manager of environment safety and health (C-MESH), an OSHA and MSHA Part 48 metal/non-metal instructor, and a miner. He is also certified in fall protection and electrical safety, holding a NFPA 70E certification. He is active in his field as a member of the American Traffic Safety Services Association. He began his career as an antenna systems technician for the United States Air Force before transitioning to work as a loan officer for Freedom Mortgage Services and a senior financial officer for Carteret Mortgage Corporation. He also served as a lead instructor for the American Red Cross, a traffic control supervisor for Moore & Son, and a health and safety manager for Rogers Group Inc. Currently, this expert is the health and safety director of a safety industrial firm in North Carolina.

This expert has 13 years career experience in the mortgage industry. He attended The University of Louisville College of Business majoring in Finance, with minors in Accounting & Economics. Then he went on to earn certifications as a Certified Residential Mortgage Specialist, Certified Mortgage Consultant, and Certified Distressed Property Lender. He is a member of professional organizations including the Kentucky Association of Mortgage Professionals and National Association of Mortgage Brokers. He is currently a branch partner at a privately owned mortgage company.

One of the largest program underwriters of logistics insurance nationally and a pioneer of state-of the art coverages. Main logistics specialization is truck brokers.