Attorney in private practice emphasizing business, real estate, corporations and partnerships, banking, estate planning and trusts, and probate law; Recognized as one of San Antonio’s Best Attorneys, Scene In SA Magazine, as selected by peers; Categories: Business and Corporate Law, Business Litigation, Real Estate; Previously admitted as an expert witness in Banking, Debtor/Creditor Law. Admissions: Texas, May 1993; U.S.D.C.,Western District, April 1995

Computer Resources and Information Management, Business – Develop curriculum, Write and Teach in Graduate Studies program for students pursuing M.A. or M.B.A.; Subject Matter Expert, Guest Video Lecturer, Also served as department coordinator.

(now JP Morgan Chase) President of well-rated community bank in two-bank holding company (June-August 1990). Senior Vice President of holding company and problem bank over $19,500,000 in problem assets (April 1989 - August 1990). Reduced classified loans by $8,000,000 and non-earning assets by $4,500,000 (net). Completed more than $650,000 in loan recoveries in six months. Reduced commercial past due loans from 35% to 4.5% (consumer 23% to 1/2%). Revised loan policy, tracking, training and operations. Asset Size: Northwest Bank, $12 Million; Northside Bank, $63 Million.

(now JP Morgan Chase) Reduced loan delinquency from 23% to 5.9% in eight months. Collected or improved to pass grade eighteen account relationships totaling $4,500,000 in nine month period ($2,000,000 previously nonaccrual). Retained depositary accounts in the face of negative publicity about upcoming holding company failure and concerns about total management turnover. Maintained $20 million commercial portfolio with 30% new loan origination. Supervised bank contraction from $120 million in assets to $60 million and staff reduction from fifty to forty due to branching consolidations with downtown. Upgraded systems and revised microcomputer local area network with mainframe gateway.

(now JP Morgan Chase) Maintained $28,000,000 loan portfolio with 60/40 distribution of pass/classified credits and average loan size of $155,000; total loan portfolio 85% Real Estate, 15% Commercial. Averaged $1,000,000 per month in loan production. Supervised Real Estate, Special Assets, Loan Administration, Loan Operations and Credit Department (13 persons). Designed 20-unit local area network for bank. Purchased software packages and trained staff. Sold an average of $1,000,000 monthly from Other Real Estate of $8,000,000. Reduced non-earning assets to a two year low in the first quarter of 1988. Bank Assets: $170 Million.

(now JP Morgan Chase) Controlled total assets of approximately $160,000,000, excluding $45,000,000 warehouse line of subsidiary MPact Mortgage Company. As Division Manager, supervised Credit Administration, Participations Purchased, Loan Review, Credit Files, Special Assets and Other Real Estate (25 persons). Acted as President, Director and CEO of three subsidiary companies used for problem assets of $22,000,000. Maintained $17,000,000 loan portfolio composed of a dozen energy and real estate loans. Managed complex litigation cases with more than $2,500,000 in annual litigation fees, including participation-related litigation involving fraud of prior management. Sold average of $1,500,000 monthly from Other Real Estate of $20,000,000. Completed formal "large bank" training program as Credit Analyst before starting Loan Review Department and eventual promotion to Senior Vice President. Bank Assets: $320 Million.