Lending Expert Witnesses in Virginia

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.

This economics Ph.D. has a broad financial background spanning mortgage-backed securities, asset-backed securities, and structured products. After earning his master's and doctorate from the University of Florida, he became a tenured Associate Professor at the University of South Carolina. The expert eventually began a successful career in finance and served in several senior positions, including as global head of MBS research at two major investment banks, CS First Boston and UBS. He also worked in two senior trading roles focused on whole loans and securities, managing portfolios upwards of $90 billion in those positions. More recently, he was the Product Manager for an MBS and ABS valuation and risk analytics consulting firm. The expert recently started his own business as an independent consultant. In this capacity he has served as an expert witness in cases involving FINRA, the SEC, and the U.S. District Court.

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 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.