Workout Expert Witnesses

Boulder, Colorado

Banking, Financial - Lending and Collections, Workout Expert, Lending Practices and Procedures, Consideration, Bank Agreements, Lender Liability, Good Faith/Fair Dealing, Disclosure, Hidden Asset, Credit Underwriting

Charles Holmes started his career with the U.S. Treasury Department before moving into commercial and consumer lending. He co-founded two de novo banks in Boulder, Co. The first was started in 1995, went public in 1999, and later sold to a large regional bank. In 2011, he started another bank which sold in 2016. Both banks had rapid growth and success. Holmes spent much of his banking career managing credit issues and collection efforts. He was chairman of loan committee approving up to $12Million per credit relationship. He has been involved in structuring and collecting relationships up to $50Million. Holmes has always taken great pride in working through the myriad of collection issues and learned firsthand the pitfalls banks and borrowers make when trying to protect themselves under stressful situations. The outcome of these conflicts can be damaging, whether one side, or both, act improperly. His 40 years of hands-on experience has made him an exceptional and confident expert...

Trafford, Pennsylvania

Banking - Credit Risk, underwriting, forensic loan fraud, lending policy/procedures, commercial real estate, working capital line of credit, asset based/secured financing, indirect auto, home equity, mortgage, agriculture, farm, foreclosure, collections, regulator enforcement, board governance, Workout, loan operations, BSA AML, Ponzi

My background includes 33 years as a federal regulator, five additional years as a contractor with that regulator, 13 years of consulting with banks and credit unions and eight years as an expert witness. I specialize in evaluation of credit risk and credit related functions. I have extensive experience in community banks and credit unions, mid size banks, and considerable experience in the largest banks in the country. I am available for credit/lending related expert witness work in the menu of items listed above. This includes the cradle to grave life cycle of credit: Policy, procedures, staffing/expertise, underwriting, credit administration, risk management, reporting/MIS, problem loan management/collections, foreclosure/repossession, mortgage assistance programs and collateral/appraisal management. I am experienced in forensic credit related fraud identification, investigation/documentation, referrals to FBI/DOJ/OCC authorities and depositions. I have extensively evaluated int...