President/CEO of Atlantic Pacific Bancorp, Inc.President/CEO of Atlantic Pacific Home Loans, Inc.Executive Vice President and Chief Lending Officer for Mid-Sized California Savings & Loan Managed Wholesale Mortgage Lending Division for Major California Savings & Loan and Mortgage Banking Subsidiaries of Savings and LoansTeam Leader for due-diligence and risk analysis on three major California Savings and LoansWith over 40 years' experience with savings & loans, banks, and national wholesale mortgage banking companies, I have comprehensive and functional knowledge and experience in real estate lending. I have developed retail and wholesale lending policies and procedures for both existing and start-up retail and wholesale residential loan origination companies. I have personally underwritten and approved for funding in excess of 25,000 loans to agencies' and private placement standards, including collateral review and fraud determination.Specialties: I provide expert consulting and testimony in connection with real estate lending disputes on behalf of institutional and private investors, lending institutions, borrowers, and government agencies. I provide consulting services for real estate lending institutions and private party trust deed investments. I conduct due diligence, risk analysis, and valuation on institutional and private party trust deed portfolios.Real estate and loan fraud detection and prevention policies and procedures.