Feasibility, Marketing, Commercial Real Estate, and Portfolio Analysis

Feasibility Study, Marketing Study & Business Valuation Expert Consulting Services Nationwide & Worldwide Since 1986

A feasibility study, a marketing study, and a commercial real estate study all share the same general goal of determining the financial feasibility or economic feasibility of a business, a product, a real estate development, or whatever the subject of the particular type of study may be. Some studies are performed for very specific and limited purposes, such as to determine the most likely absorption rate (for rentals or sales) for a specific type of real estate property in a particular area, most probable rental rates, most likely rent-up schedule for a new property, most likely sales scenario for a new product, etc.

A feasibility analysis or market analysis is a key part of any request for financing. Any financial institution, investment banker, or other source of funds being asked to fund a financial venture of any kind has certain concerns that must be addressed in a feasibility or marketing study in order for the proposal to be approved. These same concerns apply equally as well to potential partners, equity investors, potential suppliers, or others.

These concerns vary from case to case depending on the type of proposal and the individual circumstances pertinent to the proposal being considered. Failing to address any of these important concerns by presenting a professional feasibility or marketing study will cause a lender or investor to decline a financing proposal. Therefore, it is of the utmost importance that all important concerns applicable to a specific financial proposal be identified and properly addressed in advance in a feasibility or marketing study in order for a proposal to be approved for funding or investment.

Important Questions for You to Consider:

  • Who better to perform and write your feasibility, marketing, or real estate analysis than an experienced banker, corporate lender, real estate lender, and mortgage banker with Citicorp experience and with entities that are now Citigroup, JPMorgan Chase Bank, Bank of America, and AmSouth, and who has been on the receiving end of well over 100,000 loan requests?
  • Who better to perform and write your feasibility, marketing or real estate analysis than a former high-level lending executive who has invested years in preparing, polishing, and presenting loan proposals and their accompanying feasibility reports to Loan Committees of major financial institutions of all types nationwide?
  • Who better to perform and write your feasibility, marketing, or real estate analysis than the person recommended by major lenders to write a best-selling book on commercial real estate finance, including feasibility analysis?
  • Who better to perform and write your feasibility, marketing or real estate analysis than a proven professional who has completed the intensive, on-campus Harvard Business School Executive Education course in the most accurate and up-to-date business valuation and discounted cash flow techniques?
  • Who better to perform and write your feasibility, marketing or real estate analysis than a proven professional who is a prolific author on banking, financing, real estate, and many related subjects?
  • Who better to perform and write your feasibility, marketing or real estate analysis than a professional who has been recognized and hired repeatedly by the governmental financial institution regulators, IRS (7 times), and other governmental entities as their expert on lending, banking, valuation, real estate and financing issues?
  • Who better to perform and write your feasibility, marketing or real estate analysis than an expert who has been repeatedly recognized and called on to serve as an expert consultant in courts nationwide over 365 times and testified 93 times?
  • Who better to perform your feasibility, marketing or real estate analysis than a proven professional whose opinions are often sought by the press, including the Atlanta Journal-Constitution, Denver Post, Baltimore Sun, Charlotte Observer, Newark Star-Ledger, Boston Herald, Pittsburgh Post Gazette, Palm Beach Daily News, Chicago Sun Times, San Francisco Daily Journal, Houston Business Journal, Small Business Times, CFA (Chartered Financial Analyst) Institute's Journal, Lawyer's Weekly USA, American Banker, Treasury & Risk Management, Lending Intelligence, Journal of Property Management, NBC News, ABC News, and others.
  • Who would better know what lenders and investors want and must see in a feasibility, marketing or real estate report?

Don Coker possesses these qualifications and much more. In addition to impressive credentials as a lender and mortgage banker, he has served in high-level governmental regulatory positions, served as the government's (FDIC, RTC, Federal Reserve Bank, Federal Home Loan Bank, Federal Savings and Loan Insurance Corp., IRS, US Agency for International Development) expert on many banking and financial cases involving matters as large as $20+ billion, written extensively on financial, valuation, and related matters, and been called on over 309 times by leading law firms nationwide as an expert witness consultant on various financial matters.

Mr. Coker has served clients nationwide and worldwide in 26 countries in the Americas, Europe, Asia, and Africa, covering matters in over 56 countries. His office is in the northern metro Atlanta, Georgia USA area.

General Services Offered:

  • Feasibility & Marketing Studies for all types of real estate properties worldwide.
  • Feasibility & Marketing Studies for all types of products worldwide.
  • Feasibility Studies for all types of corporate financing transactions.
  • Feasibility assistance in mergers & acquisitions.
  • Due diligence services for all types of financial transactions.
  • Hospitals and medical buildings of all types.

Use of Feasibility & Marketing Studies:

Common uses for feasibility and marketing studies include:

  • Obtaining financing
  • Obtaining partners or investors
  • Obtaining licensing
  • Determining the needs in a market, including net rental and sales demand, rental rates or sales prices, absorption studies, and lease-up estimates
  • Management's own information for planning purposes

Some Major Lenders that Have Used Feasibility Studies and Loan Request Proposals Prepared by Don Coker:

  • Advance Mortgage Corp., Southfield, MI
  • Aetna Business Credit Corp., East Hartford, CT
  • American National Life Insurance Co., Galveston, TX
  • American Savings & Loan Association, Lake Jackson, TX
  • American Savings Bank, New York City
  • Anchor Savings Bank, New York City
  • Bankers Trust Co., New York City
  • Bank of America, Charlotte, NC
  • Bank of California, Los Angeles, CA
  • Bank of the Southwest, Houston, TX
  • Beneficial Standard Advisers, Los Angeles, CA
  • Bowery Savings Bank, New York City
  • Chrysler Realty Corp., Detroit, MI
  • Citibank, New York City
  • Colonial Savings Association, Houston, TX
  • Commercial Credit Company, Baltimore, MD
  • Connecticut General Life Insurance Co., Dallas, TX
  • Dime Savings Bank, Brooklyn, NY
  • Dollar Savings Bank, New York City
  • East River Savings Bank, New York City
  • Emigrant Savings Bank, New York City
  • FDIC, Washington, DC
  • Federal Home Loan Bank, Dallas, TX
  • Federal Savings & Loan Insurance Corp., Washington, DC
  • First Federal Savings & Loan, San Antonio, TX
  • First National Bank of Memphis, Memphis, TN
  • First National Bank, Mobile, AL
  • First National Bank, Port Arthur, TX
  • Ford Motor Credit Corp., Dearborn, MI
  • Frost National Bank, San Antonio, TX
  • General Electric Credit Corp., Chicago, IL
  • General Electric Pension Trust, Stamford, CT
  • Germantown Savings Bank, Bala-Cynwyd, PA
  • Gibraltar Savings Association, Houston, TX
  • Great American Mortgage Investors, Atlanta, GA
  • John Hancock Life Insurance Company, Boston, MA
  • Hartford National Corp., Hartford, CT
  • Home Savings Association, Houston, TX
  • Jefferson Standard Life Insurance Company, Houston, TX
  • Jefferson Pilot Insurance Co., Greensboro, NC
  • Lutheran Mutual Life Insurance Co., Waverly, IA
  • Lincoln Savings Bank, New York City
  • Massachusetts Mutual Life Insurance Co., Dallas, TX
  • Mellon National Mortgage Co., Cleveland, OH
  • Metropolitan Life Insurance Company, New York City
  • J.P. Morgan Interfunding, New York City
  • Mutual of New York, Dallas, TX
  • National Life of Vermont, Dallas, TX
  • New York Life Insurance Co., New York City
  • Northwestern Mutual Life Insurance Co., Houston, TX
  • Pension Funds of America, Dallas, TX
  • Philadelphia Savings Fund Society, Philadelphia, PA
  • Pilot Life Insurance Co., Greensboro, NC
  • Pacific Mutual Life Insurance Co., Houston, TX
  • Penn Mutual Life Insurance Co., Philadelphia, PA
  • Property Capital Trust, Boston, MA
  • Prudential Life Insurance Co., Houston, TX
  • Republic of Texas Savings & Loan, Houston, TX
  • Rosenthal & Rosenthal, New York City
  • San Antonio Savings Association, San Antonio, TX
  • Seamen's Bank for Savings, New York City
  • Security Mortgage Investors, New York City
  • Southwest Bancshares Mortgage Co., Houston, TX
  • IAA-CREF, New York City
  • G. Adrian Thompson & Company, New York City
  • Travelers Insurance Company, Houston, TX
  • Unionamerica Mortgage & Equity Trust, Los Angeles, CA
  • Union Bank, San Francisco, CA
  • U.S. Life Insurance Company, Dallas, TX
  • Jim Walter Investors, Tampa, FL
  • Western Gulf Savings & Loan Association, Bay City, TX
  • Westinghouse Credit Corp., Houston, TX
  • And many others

Entire Website © 2008 - 2009 by Don Coker

 

Profile of Feasibility Study & Marketing Study Expert Consultant

Professional Background Summary

Presently serve as an independent consultant offering consulting, research, and expert witness consulting services worldwide. Consulting assignments have involved disputed matters as large as $20.8 billion and have included matters in 45 states and over 50 countries. Expert witness experience includes assisting both plaintiff and defense counsel in over 390 cases nationwide and involving 93 testimonies. Listed in the recommended expert consultant databases of both the AAJ and DRI.

Prior employment positions include 20+ years experience in management at banks, savings & loans, credit companies, mortgage banking companies, and a governmental financial institution regulatory agency. Positions held include Board of Directors member, Executive Vice President, Senior Vice President, Manager of Lending, Manager of Mortgage Banking, Regulatory Supervisory Agent (tantamount to CEO). Committee memberships included Loan Committee, Executive Committee, Audit Committee, and Pension Plan Trustee. Served as a corporate officer of various financial institution subsidiaries.

Management responsibilities have included as many as 300 people in 22 locations nationwide in ten states and $1 billion in gross assets. Directly responsible for originating over 36,000 loans of all types totaling approximately $5 billion, reviewing well over 100,000 financial statements and credit reports, and over 25,000 real estate appraisals.

Called on by banking regulators several times to provide regulatory oversight and management at troubled financial institutions.

Other Services Offered Include:

Interim Management
Turnaround Management
Temporary Management
Crisis Management
Business Valuation
Business Plans
Policy and Procedure Manuals
Due Diligence
Merger and Acquisition assistance
Economic Damages Calculations
Business Ethics
Banking Industry Standards of Care
Bank Taxation
Fraud Prevention Advice
Check Cashing Consulting
Investment and Securities Issues
International Issues
Site Location
New Office Start-Up Consultation
New Office Start-Up Costs Estimates
Expert Witness Services

Representative Consulting Client List

Banking:
The World Bank
Bank of America
Bank of America - Canada
NationsBank
Bank One (now JPMorgan Chase Bank)
Wachovia Bank
First Union Bank
SouthTrust Bank
Citigroup/CitiFinancial
Firstar/U.S. Bancorp
Wells Fargo Mortgage Corp.
National City (Bank) Corporation
MBNA America Bank
Citizens Bank of Pennsylvania
Provident Bank
KeyCorp
Royal Bank of Scotland Group, plc
Credit Suisse First Boston Mortgage Capital
First National Bank of San Marcos, TX
Banco Industrial de Venezuela
Bank of Oklahoma
Southern Security Bank
First National Bank of Palm Beach
First Bank, Tallahassee, FL
Sunbelt Savings (now Bank of America)
Sunbelt Federal Bank
Bancomer, S.A. (Mexico)
Bluebonnet Savings
Standard Pacific Savings Bank
First National Bank of Brewton
Southeast Bank of Miami, FL
Barnett Banks, Inc.
Bank of the Southwest
Community National Bank, Midland, TX
Northshore Bank, TX
Bank of Bentonville, AR (Walton Family)
Priority Bancorp
Iowa Trust
Banco Bilbao Vizcaya Argentaria (Bilbao and Madrid, Spain)
Tanzania Institute of Bankers
Bank of Tanzania (central bank)
Federal Reserve Bank of Atlanta
Goldome Realty Credit Corp.
PanAmerican Bank
Western Gulf Savings & Loan (now Wells Fargo)
American Savings & Loan
Bank Insurance & Securities Association
William E. Wood & Associates (Re: Towne Bank, VA)
EDS - BEI Golembe Consultants
Smith Barney (Citigroup)

Governmental:
FDIC
Resolution Trust Corp.
Federal Savings & Loan Insurance Corp.
Federal Home Loan Mortgage Corp.
Farm Credit Bank
U.S. Department of Education, Inspector General's Office
Internal Revenue Service, U.S. Treasury Department
U.S. National Library of Medicine, National Institutes of Health
State of Texas, Savings & Loan Department (Regulators)
13 Municipalities in CA and CO
Tanzania Revenue Authority
United Nations Conference on Trade & Development
U.S. Agency for International Development (Washington, D.C.; Kiev, Ukraine; Moscow, Russia)
U.S. Air Force (Guantanamo Bay, Cuba) Judge Advocate General's Corps Office of Special Investigations
New York Governor George Pataki's Office of Regulatory Reform

Insurance:
AIG
CNA
St. Paul Travelers Insurance
Travelers Casualty & Surety Company of America
Liberty Mutual Insurance Co.
Acadia Insurance Company
Employers Mutual Insurance Co.
Erie Insurance Group
State Farm Insurance Co.
Military Premium Managers
Reliance Insurance
Physicians Mutual Insurance Co.
Physicians Life Insurance Co.
International Transport Intermediaries Club, Ltd., UK
North River Insurance Co.
American Casualty Insurance Co.
National Union Fire Insurance Co.
Continental Casualty Insurance Co.
Lloyds of London, UK
Crum & Forster Managers
Xerox Financial Services
Thomas Miller & Company, UK

Corporate:
Ford Motor Credit Company
Cisco Systems
IBM - Lotus Development
Microsoft
Kawasaki
Intuit, Inc.
Wal-Mart Stores
Wal-Mart Real Estate Business Trust
Doral Mortgage Corp.
Ambassador Mortgage
Security Properties
McGladrey & Pullen, LLP (CPAs)
Prentice Hall Publishing
Central Financial Services
NAPA Auto Parts
Pioneer Financial Services
Sansbury Ace Hardware
Madison Equity Mortgage Co.
Darryl's Restaurants
Bosler & Hashioka Developers
Sears
Scorpion International Services, S.A. (Athens, Greece)
Heritage Motels. Inc.
Sunrise Gardens Apartments, Las Vegas, NV
Barron's Educational Software
Anco Merchandising
Operative Plasterers & Cement Masons International Association
Network Software Associates
Calco Aerospace
Midwest Merger Management
Calco Aerospace
Education Central, Inc. (USVI)
Ruby Tuesday
Remington Investments
Inverelle, Inc.
Alpha Software
Phivos Karnaos (London & Moscow)
Simon & Schuster Publishing
The King Edward Inn (Canada)
Jancik Concrete Specialties
Keytronics
Concord Boat Corp.
NBI Software
Houlihan's Restaurants
Sprint/Nextel
Ukrainian Accounting Reform Project (Kiev, Ukraine)
International Accounting Standards Board Foundation (London)
Stanford Carr - Ewa Development (Hawaii)
Royster-Clark Agribusiness
American Consolidated Credit
Specialty Motor Cars
George B. Kaiser, Forbes 400 List
ButtonWare Software (PC Calc+)
Fillette Green Shipping
Zapadnoe Koltze (Moscow, Russia)
Benchmarking Partners
Gary Tharaldson, Forbes 400 List
Boston Credit Corp.
Dr. Richard Dombroff
Morrison's Cafeterias
Transcontinental Products & Services
Reynolds Lumber Company
Broderbund Software
Marchese Chevrolet
Surgency
Westat
Computer Associates
AvtoVAZ (Russia's largest car co. - LADA automobiles)
AutoVAZBank (Tagliatti, Russia)
Import Specialists
Timeworks Software
Fleming Electric Co.
WordStar
Russell Research
Christian Bay Shipping Company
Cliff's Notes Publishing
DataEase International
CreditCare Credit Counseling
AddStor Software
Fraud Discovery Institute
Olympic Cube (Athens, Greece)
Kilimanjaro International (Africa)
Chemonics International
Tax Express Income Tax Services
Andy Beal, Forbes 400 List
Institute for Stock Market and Management (Moscow, Russia)

Books, Publications & News Media

Complete Guide to Income Property Financing & Loan Packaging, Prentice Hall, 1984.
Self-Management: A Guide to Career Advancement and Development, written under contract for Prentice Hall, 1985.
Complete Real Estate Computer Workbook, Technical Editor, Prentice Hall, 1986.
The Complete Loan Officers Handbook, presently writing.
"Money Laundering: A Dirty Business," White-Collar Crime Reporter, Oct. 1991.
Treasury Magazine published by The Economist. Interviewed and quoted in an article written by a U.S. News and World Report Editor.
"How You Can Help Your Client Get a Loan to Finance Real Estate Projects," Practicing Attorney's Newsletter, April 1984.
"Getting a Grip on Core Deposit Intangibles," American Banker newspaper, 1996.
"The Dollars and Sense of Business Valuation," published on the website of the American Bank Attorneys Association, April 1996.
"Putting a Cash Value on a Business," interviewed by Lawyers Weekly, May 6, 1996.
"Business Valuation Techniques," Business Locator, May 1996.
"Valuing Businesses," TAB Letter, Technical Assistance Bureau, June 1996.
"Using Business Value to Achieve Ad Valorem Tax Reductions on Commercial Real Estate Properties," Journal of Property Management, June 1997.
What's Working in Credit & Collection, interviewed, quoted re: bank drafts, March 1997.
"Making Sense of Internet Stock Values," TAB Letter, July 1999.
Africa Today, extensive video coverage by Reuters News Agency of Tanzania Revenue Authority training program, Arusha, Tanzania, March 11, 2001 and other dates.
Interviewed by ITV Television Network on the subjects of banking, taxation, economic growth and development, and capitalism in Tanzania, in Arusha, Tanzania, March 16, 2001. Aired on March 17, 2001, and subsequent dates.
The Atlanta Journal-Constitution, interviewed for an article on banking regulatory policies and procedures, and banking practices, August 21, 2001.
The Atlanta Journal-Constitution, interviewed for an article on banking practices and procedures to help deter terrorism, September 19, 2001.
Collections & Credit Risk, interviewed regarding banking procedures. September 20, 2001.
The Atlanta Journal-Constitution, interviewed for an article on banking practices and procedures involving funds transfers and money laundering by terrorist groups. September 21, 2001.
The Baltimore Sun, interviewed for an article regarding considerations for the future of Allied Irish Banks, PLC's, American subsidiary Allfirst Bank. May 30, 2002.
The Atlanta Journal-Constitution, interviewed for an article on changes in banking practices and procedures as a result of the September 11, 2001, terrorist attacks. August 29, 2002.
ESPN.com and Outside the Lines television show, interviewed regarding identity theft matters. November 1 - 3, 2002.
Lending Intelligence magazine and website, interviewed regarding lending practices and interest rates, November 25, 2002.
NBC Evening News, interviewed regarding identity theft, November 25, 2002.
Lending Intelligence magazine and website, interviewed regarding credit scoring and loan approval policies and procedures, December 10, 2002.
Charlotte Observer newspaper, interviewed regarding bank branching and operations policies, January 21, 2003.
Street & Smith’s SportsBusiness Journal, interviewed regarding business ethics and corporate governance issues involving the U.S. Olympic Committee’s Chief Executive Officer, February 25, 2003.
Family Finances column that appears in The Boston Herald, the Pittsburgh Post Gazette, the Palm Beach (FL) Daily News, and some Scripps Howard newspapers. interviewed regarding credit card debt matters, September 23, 2003.
The Denver Post, interviewed regarding banking economics and bank branching January 21, 2004.
Mortgage Lending Compliance Alert, interviewed regarding housing market outlook, economic and interest rate outlook, and lender profitability strategies. Feb. 2004.
CFA (Chartered Financial Analyst) Magazine, published by the Association for Investment Research, which recently became the CFA Institute. Interviewed by this professional certification organization that promulgates “standards for investment professionals worldwide� regarding business ethics and corporate governance issues. May 2004.
Continental magazine, interviewed regarding banking and its effect on economic resurgence, especially as it relates to Ireland. July 6, 2004.
European Business School, International University; Schloß Reichartshausen, Germany. Interviewed regarding intellectual property and business valuation techniques. July 24, 2004.
San Francisco (CA) Daily Journal, a legal newspaper, quoted regarding the alleged bank fraud and credit card fraud factors related to alleged Guantanamo Bay, Cuba, U.S. Air Force translator spy Ahmad Al Halabi, July 28, 2004.
Bank Tech & Security Newsletter, provided direction to a bank on the proper way to handle an attempted fraudulent international wire transfer. September 30, 2004.
Small Business Times, provided information concerning business valuation issues. September 30, 2004.
Mortgage Lending Compliance Alert, interviewed regarding the Bank Secrecy Act and Suspicious Activity Reports (SARs). October 12, 2004.
Mortgage Lending Compliance Alert, provided input for an article concerning compliance with the rules and regulations of lending. November 4, 2004.
Mortgage Lending Compliance Alert, provided input for an article on the Fair and Accurate Credit Transactions Act of 2003, a/k/a/ FACTA or FACT Act. Mar. 16, 2005.
Bank Technology & Security Alert, provided input for a question and answer section regarding online bill paying. April 11, 2005.
Mortgage Lending Compliance Alert, provided input for a question and answer section regarding closing costs for home mortgages. May 18, 2005.
Newark Star-Ledger newspaper, interviewed on the subjects of check cashing and the need for enhanced identification verification systems. May 26, 2005.
Bank Insurance & Securities Marketing Magazine, interviewed regarding ethical training considerations and the Securities & Exchange Commission’s recently enacted Investment Adviser Code of Ethics. June 21, 2005.
Mortgage Lending Compliance Alert, provided input for an article regarding the legal, regulatory, and marketing considerations of providing lending services to Spanish speakers. June 21, 2005.
Bank Security & Technology, provided input for a question and answer section regarding bank facility security. August 11, 2005.
Bank Security & Technology Wire published by Medical Newswire, provided input for an article regarding the security of bank computer systems. November 9, 2005.
Chicago Sun-Times, interviewed on bank marketing issues. January 9, 2006.
American Prospect Magazine, provided input for an article on business and banking ethics written by a reporter for the Philadelphia Daily News. February 1, 2006.
Bank Security & Technology Alert, provided input for a question and answer section regarding bank record retention. February 8, 2006.
Chicago Sun-Times, interviewed on checking account issues, March 13, 2006.
ABC News - Miami, interviewed for a national radio broadcast regarding credit card fraud and identity theft issues. April 21, 2006.
AML (Anti-Money Laundering) Compliance Alert, provided input for an article about the BankAtlantic money laundering case and anti-money laundering policies and procedures. May 5, 2006.
WJNO AM 1290 Clear Channel Radio, live on-air telephone interview by John Howe regarding the loss of credit information on 26.5 million veterans. May 23, 2006.
Mortgage Lending Compliance Alert, provided input for an article about documentation requirements for closing a loan. June 12, 2006.
Virginia Pilot newspaper, Provided opinions for an investigation into suspected mortgage fraud. October and December 2006.
Chicago Sun-Times, interviewed and quoted regarding bank economics and ABN Amro’s decision to layoff 900 people at LaSalle Bank in Chicago. December 28, 2006.

Patent

On July 8, 2002, the United States Patent & Trademark Office registered a Provisional Patent to Don Coker for a business process for improving the prevention and detection of financial fraud involving personal and business checks, cashier's checks, postal and commercial money orders, letters of credit, bills of exchange, drafts, and many other types of financial instruments. The formal Patent Application was filed July 1, 2003. In February 2007, a 90% interest in this Patent Application was sold; and in 2007, the patent application was licensed.


Entire Website Contents Copyrighted 2003 - 2008 by Don Coker

Feasibility Study and Marketing Study Expert Consultant's Biographical Data

Education

College & University:

- University of Alabama, BA.
Awards and Activities: Gold Merit Key Award for Outstanding Service to the University, Outstanding Army ROTC Platoon Leader Award, numerous publications activities, apartment manager.

- University of Alabama, post-grad work in real estate, finance, accounting.

- University of Houston, post-grad work in real estate, valuation, law.

- Spring Hill College, masters degree-level liberal arts and ethics coursework.

- Southern Methodist University, executive education work in commercial real estate finance, construction finance, securities.

- Harvard Business School, Harvard University, Certificate in Business Valuation.

Secondary:

University Military School, Mobile, AL. Graduated 1963. 12-year prep day school. One of the highest rated schools in the South. Awards and Activities: Outstanding Student in English, military awards, school publications.

Professional Training:

- American Bankers Association - American Institute of Banking: financial statement analysis, business finance, bank investments, principles of bank operations, bank management, trusts.

- National Institute of Real Estate Boards, commercial real estate finance.

- International Council of Shopping Centers, shopping center finance.

- National Hospital Association, one-week workshop in healthcare entity finance and valuation.

- Mortgage Bankers Association, workshops in multi-family and SFR lending.

- Federal Home Loan Bank of Dallas, training workshops on financial institution management, lending, investments, operations, et. al.

- Texas Savings & Loan Department, training workshops on financial institution management, lending, investments, operations, et. al.

- Federal Home Loan Mortgage Corp., real estate financing workshop.

- First National Bank of Mobile, AL (later AmSouth, now Regions Financial), financial statement analysis, business finance, bank investments, credit card operations, deposit operations, bank management, trusts.

- Gibraltar Savings Association (now Bank of America), commercial real estate finance, valuation, joint-ventures.

- Citicorp, business, corporate, and real estate finance, valuation, deposit products, investments.

- Southwest Bancshares (later Bank One, now JPMorgan Chase Bank), business finance and real estate investments.

- Commercial Credit Corp. (now Citigroup), one-week Corporate Marketing Conference covering in-depth training in all financial products, plus 28 CDC Learning Center courses (45 semester hours) in business and economic subjects.

- Frost Bank, advanced credit analysis and business finance.

Other Professional Activities

- Consultant on various economic, valuation, real estate, marketing, and banking matters for clients in 45 states and several foreign countries.

- Expert Witness, over 390 cases for plaintiff and defense, 98 testimonies, listed in the Association of Trial Lawyers of America's AND the Defense Research Institute's databases of recommended consultants, plus state and local databases in AZ, AR, CO, DC, HI, IL, IA, KY, LA, MN, MS, NH, NY, NC, OH, PA, SD, WA, and San Francisco.

- Phillips College, former Adjunct Professor of Business.

- Institute of Financial Education, approved instructor for the educational arm of the U.S. League of Savings Institutions.

- Prentice Hall Publishing, Simon & Schuster, Paramount Communications, technical editor and consultant on banking and real estate subjects.

- Holiday Inn, Lender Advisory Panel.

- Rodeway Inn, Lender Advisory Panel.

- Novick's Money Market Seminars, panelist.

- National Directory of Corporate Distress Specialists, approved Turnaround management consultant.

- Licensed Sports Agent, approved by the NCAA, Major League Baseball Players Association, and the AL Athlete Agents Regulatory Commission.

- American Arbitration Association, approved Professional Commercial Arbitrator.

- State of Texas Real Estate Commission, approved instructor and writer of courses.

- Texas Real Estate Broker's License held for over ten years.

Past Professional Memberships

- American Bankers Association
- American Institute of Banking, Chapter Officer and Bank Consul
- U.S. League of Savings Institutions
- Institute of Financial Education, Instructor
- Mortgage Bankers Association
- Texas Mortgage Bankers Association
- American Council of State Savings Supervisors
- American Bankruptcy Institute - Committee assignments: Public Companies, Real Estate, International, U.C.C., Commercial Fraud Taskforce, and Healthcare.
- Board of Realtors
- National Association of Homebuilders
- International Council of Shopping Centers
- Houston (TX) Chamber of Commerce, Economic Development Committee, 9 years

Civic Activities

- Katy School District (Houston suburb), Trustee, elective position.
- U.S. Army Reserve, 1966-1968, Officer Training, Ft. Bragg, NC; Honorable Discharge.
- Nottingham Country Civic Club, officer, 1,500 family neighborhood association.
- Sunday School teacher, usher, host.

Recognition in Biographical Reference Books

- Who's Who in America, 52nd - 58th eds.
- Who's Who in the World, 12th - 16th eds.
- Who's Who in Finance & Industry, 26th - 29th, 33rd eds.
- Who's Who in Medicine & Healthcare, 1st - 4th eds.
- Who's Who in the South & Southwest, 21st - 33rd eds.
- Directory of Distinguished Americans, 5th ed.
- Who's Who Registry of Global Business Leaders, 1993 - 1994 ed.
- Who's Who of Emerging Leaders of America, 3rd ed.
- Who's Who Registry of Business Leaders, 1994 ed.
- Personalities of America, 5th ed.
- Personalities of the South, 14th ed.

Employmenr History

1986 - Present: Banking, Management & Economic Consultant, Woodstock, GA.
- Consulting assignments covering a broad range of activities such as governmental regulatory oversight, interim management, workout and restructuring of troubled loans, business & asset valuation, intangible asset issues, bank income tax issues, merger & acquisition assistance, due diligence, business plans, management advice, policy and procedure manual matters, international engagements, writing & editing business books, feasibility & marketing studies & advice, training & educational activities, international engagements.
- Expert Witness engagements nationwide for plaintiffs and defendants covering all areas of banking, valuation, securities, economics, economic damages, trusts & estates, real estate, international matters, management, credit, finance, and business.

1985 - 1986: Executive Vice President, Manager of Lending & Board of Directors Member, Home Savings (now Citigroup), Houston, TX. Manager of all lending and mortgage banking. Number Two Executive. Heavily involved in investments and deposit activities. Officer of several subsidiary companies. Member of Loan Committee, Executive Committee, Audit Committee, et. al.

1984 - 1985: Senior Vice President, Manager of Lending, First Federal Savings (now Guaranty Bank), San Antonio, TX. Manager of all lending and mortgage banking. Number Two Executive. Heavily involved in investments and deposit activities.

1983 - 1984: Southwest Regional Manager, Ford Motor Credit Corp., Houston, TX. Manager of commercial real estate finance, and some financing with dealers.

1977 - 1983: Regional Manager, Commercial Credit Company (now Citigroup), Houston, TX. Manager of commercial and residential real estate financing for the southwest, and involved in all financial products offered by the $7 billion company.

1974 - 1977: Manager of Commercial Real Estate Lending and Mortgage Banking, Southwest Bancshares (later Bank One, now JPMorgan Chase Bank), Houston, TX. Also involved in the origination and administration of construction loans, deposit and investment activities for lending clients including wealthy foreign nationals, corporate and personal lending, and credit card operations.

1973 - 1974: Assistant Regional Manager and Assistant Treasurer, Citicorp Real Estate, Houston, TX. Mortgage banking and construction lending for Citibank, N.A. (NY), and deposit and investment activities for wealthy foreign clients.

1972 - 1973: Loan Officer and Manager of Lending Department, Gibraltar Savings (now Bank of America), Houston, TX. At age 26, managed the day-to-day operations of Texas' largest S&L (55th largest in the U.S.). Handled construction and subdivision development loans, joint-ventures, and high-volume builder accounts.

1968 - 1972: First National Bank of Mobile (later AmSouth, now Regions Financial), Mobile, AL. Mortgage and real estate specialist in the Trust Department. Trained and worked in all areas of the bank including checking and savings, credit, corporate lending, personal lending, international, investments, trusts and estates, portfolio management, corporate pension plans, stock transfer, corporate bond trustee, credit cards, and funds transfers.

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Entire Website © 2008 - 2009 by Don Coker

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Don Coker and Dr. Kenneth E. Lehrer offer portfolio analysis services custom-designed to fit the client's needs.  All services are offered nationwide.

Mr. Coker and Dr. Lehrer have a combined 80+ years' experience in the fields of valuation, feasibility, banking and finance.  This experience includes significant work for 60 banks worldwide and various branches of the government including the FDIC and IRS.

Mr. Coker holds a B.A. degree and has completed post-graduate and executive education work at the University of Alabama, University of Houston, SMU, Spring Hill College, and the Harvard Business School.

Dr. Lehrer holds four degrees from New York University, a bachelors, two masters, and a doctorate.

Typical clients include:

•  Financial institutions with troubled loan and real estate assets.

•  Entities that are interested in acquiring a financial institution with troubled loan and real estate assets in its portfolio.

•  Any entity that is interested in acquiring hard-to-price toxic assets from a financial institution or from the government.

Some typical services include:

•  Analysis of a portfolio of loans for quality determination.  

•  Analysis of a portfolio of loans for valuation.

•  Analysis of individual loans for quality or valuation determination.

•  Marketing plans for foreclosed properties.

•  Analysis and valuation of financial or real estate securities.

•  Management of portfolio disposition.

•  Collateral analysis for any type of loan.

•  Troubled debt restructuring assistance and analysis.

•  Valuation of intangible and IP assets.

•  Daubert-compliant reports for litigation matters.

•  General Due Diligence for proposed banking acquisitions and mergers.

Pricing of services is customized to fit the client's needs for each engagement.

Contact Information:

Don Coker
Banking Consultant
423 Latimer Street
Woodstock, GA 30188-5052

Bankexpert@cs.com

(770) 852-2286

Dr. Kenneth E. Lehrer
Consulting Economist
5555 Del Monte Drive, Suite 802
Houston, TX 77056

drken@lehecoserv.com

(713) 972-7912


 

Articles by Don Coker

 

Click on this link to read:  "Check Scam Fundamental Considerations"

http://www.hgexperts.com/article.asp?id=6673

 


  

Click on this link to read:  "Fraud and Litigation Involving Real Estate Closings, Closing Protection Letters, and Title Insurance Industry Standard Practices and Procedures"

http://www.hgexperts.com/article.asp?id=6632

 


  

Click on this link to read:  "What Went Wrong at Fannie Mae and Freddie Mac and How to Resurrect Them"

http://www.hgexperts.com/article.asp?id=7595

 


  

Click on this link to read:  "Toxic Bank Asset Valuation Principles"

http://www.hgexperts.com/article.asp?id=7168

 


 

 

Click on this link to read:  "Mortgage Loan Servicing Industry Standard Practices and Procedures to Consider When Defending Wrongful Foreclosure Cases" 

http://www.hgexperts.com/article.asp?id=7148

 


 

 Click on this link to read:  "Bernie Madoff is a Bad, Bad Man"

http://www.hgexperts.com/article.asp?id=7146

 


 

 Click on this link to read:  "A Primer on Intellectual Property and Intangible Asset Royalty Rates"

http://www.hgexperts.com/article.asp?id=7145

 


 

 Click on this link to read:  "Mortgage Banking and Loan Servicing Industry Standard Practices and Procedures for Force Placed Insurance"

http://www.hgexperts.com/article.asp?id=6939

 


 

Click on this link to read: "Troubled Bank Management 101:  A Detailed Analysis of an FDIC Cease and Desist Order"

http://www.hgexperts.com/article.asp?id=6819

 


 

Click on this link to read:  "How Private Equity Firms Can Profitably Invest in Troubled Banks" 

http://www.hgexperts.com/article.asp?id=6787

 


 

Click on this link to read:  "A Banker's Guide to Effectively Managing and Marketing Bank Owned Foreclosed Real Estate Properties"

http://www.hgexperts.com/article.asp?id=6668

 


 

Click on this link to read:  "The Wacky World of Interim Management"

http://www.hgexperts.com/article.asp?id=6667

 


 

Click on this link to read:  "Subprime Lending Fundamentals"

http://www.hgexperts.com/article.asp?id=6666

 


 

Click on this link to read:  "Credit Card Expiration Dates and FACTA" 

http://www.hgexperts.com/article.asp?id=6665

 


 

Click on this link to read:  "Business Valuation Fundamentals" 

http://www.hgexperts.com/article.asp?id=6656

 


 

Click on this link to read:  "Managing Troubled and Failed Banks for Maximum Advantage"

http://www.hgexperts.com/article.asp?id=6655

 


 

Click on this link to read:  "A Primer on Intellectual Property Valuation"

http://www.hgexperts.com/article.asp?id=6603

 


 

Click on this link to read:  "The Facts on the FACTA Clarification Act"

http://www.hgexperts.com/article.asp?id=6599

 


 

Click on this link to Read:  "Mortgage Banking and Mortgage Loan Servicing Industry Standard Practices and Procedures"

http://www.hgexperts.com/article.asp?id=7232

 


 

Click on this link to read:  "Considerations in Defending Banking and Financial Class Action Lawsuits"

http://www.hgexperts.com/article.asp?id=7242

 


 

Click on this link to read:  "Defending FDCPA and FCRA Litigation on Purchased Delinquent Debt"

http://www.hgexperts.com/article.asp?id=7438

 


 

Click on this link to read:  "Defending State Attorneys General Class Action Lawsuits"

http://www.hgexperts.com/article.asp?id=7593

 


 

Click on this link to read:  "Construction Lending Industry Standard Practices Applicable to Construction Lending Litigation"

http://www.hgexperts.com/article.asp?id=18115

 


 

Click on this link to read:  "Inspections and Broker Price Opinion Industry Standard Practices for the Mortgage Industry"

http://www.hgexperts.com/article.asp?id=18102

 


 

Click on this link to read:  "Litigation Involving Bank Trust Departments, Wealth and Investment Management Nationwide Industry Standards"

http://www.hgexperts.com/article.asp?id=7647

 


 

Click on this link to read:  "Bank Security Principles and Issues"

http://www.hgexperts.com/article.asp?id=7655

  


 

How Private Equity Firms Can Profitably Invest in Troubled Banks, By Bank Management Professional Don Coker

 Private Equity firms can profitably invest in banks by injecting reasonable capital, engaging experienced, professional bank management, and prudently investing the bank’s funds in loans and other investments that make economic sense.

News Bulletin:  The old banking model still works, if given a chance

          It is quite encouraging that I recently have received numerous calls from Private Equity (“PE”) firms and other investors wanting to buy troubled banks, and seeking either my advice on how to profitably run them, or wanting to hire me to run one for them the way that a bank should be run.  In fact, considering what banking has been through in the last couple of years, it’s down right refreshing!

           How is it that these people who only a short time ago were relying on alchemistic derivatives schemes and others that purport to guarantee that no one ever loses are now getting some of that old time religion?  Thank God for pendulums that swing and for cycles.

          Running and restructuring troubled banks is a tough business, and I have been on the front lines several times, primarily hired by the banking regulators as a consultant and “army of one” to run insolvent banks and their wholly-owned mortgage banking companies.

          At this point, allow me to cite for you verbatim the entire set of instructions that I was given by a much-older-than-me governmental banking regulatory deputy commissioner immediately prior to my first assignment as a governmental banking Regulatory Supervisory Agent during the mid-1980s-mid-1990s banking meltdown.  As we stood in the parking lot of the insolvent bank, he put his arm around my shoulder in a fatherly way and said, “Son, go in there and run that son of a ‘gun’ the way a bank should be run.”  (Please notice that I have taken artistic license to clean up his language.)

          And the funny thing was, I knew exactly what he meant!  I knew how to run a bank, and he knew that I knew how to run a bank.  No further instructions were needed.  So I went in there and ran it the way that it should be run.  After extensive organizational restructuring, financial restructuring, product realignment, staff adjustments, and many other required corrections, the result was that the bank was cleaned up to the point that it was merged into Norwest which soon became Wells Fargo.  Not a bad outcome for an insolvent bank.

          However, I must mention that there is another factor that has to be considered in a situation like this, and that is the old saying:  “When one enters a chess game after the twelfth move, one makes the thirteenth move.”

          Accordingly, you do not walk into an insolvent or troubled bank and simply sit down and start profitably banking without first dealing with some highly unusual factors.  For example:

•        Immediately (assuming you did not do so before accepting the job) examine all regulatory restrictions under which the bank is operating, and make sure that you are in compliance.

•        Next, “Job One” is to stop the bleeding immediately.  Look for and plug any expense leaks, revenue leaks, and any sources that are producing red ink.  This is a major job, and not nearly as obvious and easy as you might think.  You will find situations within the bank that everyone there assumes are SOP and okay, and many of them are just flat wrong.  Ferreting out these problems is a good way to show the banking regulators that you have a handle on things, and that you are turning things around; and it gives them another reason to leave you alone and to go take down the next guy who is not dealing with his problems.

•        Do a profitability analysis on every transactional product in the bank, such as all deposit account types, and all loan types.  Dump anything that is unprofitable, even if it means reducing deposits or assets.  Recognize that customers come and go and that it is stupid to take a loss on a product in order to “gain a customer” when the new customer will immediately jump ship as soon as your competitor offers him ¼% more in interest on his CD or ¼% less in interest on his loan.

•        Jump into the foreclosed properties and those in more serious stages of delinquency, and take corrective actions.  Make sure that energetic marketing plans are underway for all properties of all types owned by the bank.

•        Determine which officers and employees can help you and which ones are working against you.  Impress upon all officers and employees that your success helps the chances of the continuation of the existence of the bank, and concomitantly, their jobs.  If some continue to work against you, boot them out.

•        Do a periodic GL scrub where you look at every item going in and out.  You will be surprised how quickly you can identify problems that are obvious to you but commonly accepted by the bank’s staff.

•        Require complete breakdowns on numbers that appear in summary form on financial statements.  For example, break down the “Real Estate” heading and see if there are any surplus properties.  Look at the “Miscellaneous Assets” as well.  (Note:  Once while doing this, I discovered a hunting lodge that the staff had been hiding from me.)

•        Ask questions AND GET ANSWERS.  Do not accept throwaway answers, incomplete answers, or answers that dodge the question.  In a troubled financial institution (or corporate) situation, you do not have the luxury of allowing your officers and employees to play games with you.  You will probably have to pare down some staff anyway, so start with these non-answerers.

          Here are some simple Rules that will help you avoid many of the problems that bank managers have encountered recently:

1.       Don’t originate stupid loans.  Use your head.  Make sure you actually have an excess of collateral value over your proposed loan amount, and make sure that the borrower has the income (now) to make the loan payments.

2.       Don’t originate a loan that you would not want to retain in your own portfolio.  Be a gatekeeper for the financial system, and make sure that only decent quality loans enter it.

3.       Don’t make loans for the wrong reasons, such as:  The borrower is financially irresponsible, but he is a relative, neighbor, buddy, golf buddy, lunch buddy, club buddy, hunting buddy, fishing buddy, church buddy, been in town a hundred years, etc.

4.       Don’t extend an irresponsible borrower’s loan just because he is a relative, neighbor, buddy, golf buddy, lunch buddy, club buddy, hunting buddy, fishing buddy, church buddy, been in town a hundred years, etc.

5.       Don’t hire someone just because he is a relative, neighbor, buddy, golf buddy, lunch buddy, club buddy, hunting buddy, fishing buddy, church buddy, been in town a hundred years, etc.

6.       Make sure that you have a healthy spread (at least 3% minimum and hopefully more) between your cost of funds and your interest rates on your loans.  (Note:  I once worked for a CEO that believed in paying savers 13.5% interest and lending that money out at 8.5%, and people thought he was a genius.  I thought he was an idiot.  Soon afterwards, he was out of banking.)

The Question of Allowing Private Equity Firms to Buy Banks

          Private equity firms have very astutely recognized the potential profits to be realized from acquiring and rehabilitating troubled banks in today’s economy.  Every time one of these financial system meltdowns occurs, the handwringers declare that banks are toast and will not survive to be a significant part of the economy in the future.  And every time, the handwringers have been wrong.  Banks are essential to our economy; and if you look around the world, you will see that every strong economy has strong banks, and every weak economy has weak banks, or virtually no banks at all.  Banks in the United States of America will survive and will thrive in our soon-to-be-rejuvenated economy,

          It is my opinion that PE firms can inject significant capital funds that will make a positive contribution towards resolving many of the problems in banking today.  Even today, there is apparently an incredibly large pool of funds available to be tapped for investment in, among other things, the acquisition of banks.  (Don’t take my word for it on the large pool of funds, just ask Bernie Madoff.) 

          It is also my opinion that the banking regulators are justified in having some concerns about bank owners who have no experience at managing banks.  Nevertheless, it is my opinion that it is erroneous for the banking regulators to place unrealistic capital, future funding, and cross-guarantee requirements on PE firms that acquire banks.  Enacting these stringent requirements will certainly scare off a potential significant source of capital funds that can be used to recapitalize troubled banking institutions.  Furthermore, enacting unreasonable requirements on PE firms that purchase banks is like punishing the guy that closes the corral gate rather than the one who opened it in the first place.  Certainly there is some middle-ground position that will be acceptable to the PE firms and the banking regulators.

          Having been through the previous banking meltdown in the mid-1980s to mid-1990s, it is my opinion that the banking regulators should welcome the entry of PE firms into the ownership and recapitalization of banks; but the banking regulators should make sure that the decision makers and the top management of each bank are not investment bankers and financial alchemists but rather are truly knowledgeable bankers that know how to run a bank the way a bank should be run.  Increased capital, from PE firms and other sources, and competent management will be major steps toward the restoration of the health of our country’s banking system.

© 2009-2010 By Don Coker

About the Author – Banking Management Professional & Consultant Don Coker

          Don Coker is a heavily experienced financial institution management professional and former high-level governmental banking regulator who was previously chosen by the banking regulators to serve as an interim manager, banking management and operational troubleshooter, nonperforming loan specialist, and in regulatory oversight positions.  Based upon extensive experience and achievements in banking and lending at Citicorp and entities that are now Bank of America, JPMorgan Chase Bank, and Regions Financial, he was chosen to serve as the on-site supervisory regulatory agent interim manager for two insolvent financial institutions and two bank-owned mortgage banking institutions.  Duties included the hands-on management of $1.8 billion (2009 USD) in assets including over $600 million in nonperforming loans (troubled loans and foreclosed properties), and participation in the review, restructuring, and recommendation of various recapitalization and merger plans.  Mr. Coker also was called upon by the governmental banking regulators to serve in regulatory oversight positions for various insolvent institutions under the supervision of the banking regulators.  In addition, Mr. Coker has been called on numerous times by the governmental banking regulators as well as the IRS to serve as their expert witness consultant in various significant banking litigation matters including one matter that exceeded $26 billion in value (2009 USD).

          Mr. Coker is active in litigation consulting, serving as an expert witness consultant in over 430 cases nationwide since 1989, and has testified 106 times.  He has been engaged by hundreds of law firms including 34 of the country’s top 250.  In addition, he has been engaged by 8 of the country’s top 10 banks, over 60 banks worldwide including 12 of the world’s top 45 banks, and 8 of the country’s top 10 mortgage banking companies.

          In addition to litigation-related work, Mr. Coker is active in performing business valuations, IP valuations, core deposit valuations, intangible asset valuations, feasibility studies, commercial real estate studies, marketing studies, business plans, anti-money laundering consulting, and advising investment funds on banking matters.

          Mr. Coker’s work has involved clients in 27 countries and work covering 56 countries.  He serves clients worldwide from his office in the northern metropolitan Atlanta area, and can be reached at:

    Bankexpert@cs.com

    (770) 852-2286.

    http://expertwitness.lawinfo.com/expert/Bankexpert/

    http://expertwitness.lawinfo.com/expert/Interim/

© 2009-2010 By Don Coker

 

  A Banker's Guide to Effectively Managing and Marketing Foreclosed Real Estate Properties

 By Don Coker

            When a bank’s level of non-performing loans and foreclosed assets increases to the point that the bank’s costs and expenses exceed its revenues, the resulting deficit erodes the bank’s net worth and reduces stockholders’ equity.  Depending upon the particular bank’s level of net worth, a serious problem will result at some point in time unless steps are taken to mitigate the problems.  This article deals with the administration of real estate properties that have already been foreclosed.

            It is imperative that the lender examine and thoroughly understand both the loan documents for the particular loan and foreclosure laws in the area where the collateral property is located.   Depending upon the various factors contained in loan documents and the nuances of state foreclosure laws, there are usually factors that dictate the timing of when a foreclosure must be initiated.  In some cases, a lender’s failure to initiate a foreclosure at the proper time might result in the postponement of the foreclosure to a much later time, allowing further arrearages to accrue and possibly further deterioration or damage to the collateral property.

            Once the foreclosure decision is made, the bank needs to automatically involve its foreclosed property department.  In a commercial bank, foreclosed real estate properties are referred to as Other Real Estate Owned, or “OREO,” as distinct from real estate owned and used in the operation of the bank, such as the main bank building and bank branch properties.  The equivalent term at savings banks is Real Estate Owned or “REO.”

Here are some guidelines for the successful management of foreclosed properties:

•         Make sure that the homeowners’ or fire and extended casualty insurance is cancelled and that the property is added to the bank’s blanket insurance policy for foreclosed properties.  (Note:  I have seen properties lost to fire where there was no insurance coverage due to failure to monitor this activity.)

•         Assign the responsibility for managing foreclosed properties to one person.  If the level of foreclosures is sufficient to occupy one or more people fulltime, then this person almost certainly must be a new-hire.  Don’t rely on the loan officers that initiated the problem loans to begin with to now miraculously solve the problems that they could not foresee in the beginning.  It is advantageous to have some “distance” between the OREO/REO managers and the original borrowers.

•         Secure the properties immediately after foreclosure or abandonment.  Maintain a central key repository in the OREO or REO department.

•         Keep the properties looking decent.  Do whatever is required to avoid deterioration of the properties.  No prospective purchaser wants to buy a problem property or a property that looks bad.

•         If the property has problems, find a specialist in buying and fixing up properties, and provide financing to make the deal workable and attractive.  Include a commitment to provide financing for the ultimate customer to whom the fix-up specialist will sell.

•         Get “For Sale” signs up immediately after foreclosure.  (Note:  It is astonishing to me how many times I have gone into OREO and REO operations and found management amazed that a property has not sold, yet there is no “For Sale” sign on it!)

•         Only list with a real estate agent if truly necessary.  Your OREO or REO department will know more about the property than any real estate agent, and your financing to the purchaser will be a major selling point.  You - not a real estate agent - control the financing offered.

•         Talk to the neighbors of the foreclosed property.  Often, their families and friends are prospective purchasers.  Your offering favorable financing might be the factor that tilts the scales in favor of a relative relocating close to another relative.

•         Inspect the properties regularly, and document what you find.  Take any needed corrective actions immediately.

•         Offer financing to entice buyers.  Remember that a sale turns a cash consuming asset into a cash producing asset.

•         Consider holding periods and the net present value of a probable future sale when setting a sales price.  The “net” part of net present value allows for the holding costs which include taxes, insurance, any required maintenance, lawn care or landscaping, and any expenditures such as painting, carpet, and any other cosmetic expenditures that may be required in order to market the property.

•         Review OREO / REO activities at meetings of the Board of Directors.  Directors often have market knowledge and contacts that can help with OREO / REO problems.

            Accomplishing all of these items is not as easy as it seems.  It requires special expertise to initiate all of these various activities and to keep them moving toward the multiple finish lines.

© 2008 - 2010 by Don Coker

About the Author

Don Coker, as a manager, consultant, and banking regulator, has successfully managed hundreds of millions of dollars of distressed and foreclosed properties of all types including single-family houses, condominiums, subdivisions and land developments, apartments, office buildings, retail shopping centers, warehouses, industrial properties, and many others nationwide.  He is available on a contract basis to discuss your bank’s portfolio management needs.

 


 Economic Damages

Mr. Coker offers opinions on compliance with nationwide industry standards for the banking, mortgage banking, lending, finance, credit card, and related industries.  And in conjunction with these banking engagements, or as a separate engagement not related to banking, Mr. Coker provides consultation, affidavits, written Daubert-compliant reports, and testimony at deposition and in court nationwide for attorneys representing plaintiffs and defendants involved in economic damages and credit damages litigation.

Mr. Coker has been engaged for over 430 cases in all areas of finance, testified 106 times, and achieved 12 courthouse settlements nationwide in the fields of:

Mr. Coker is an economic damages valuation expert that is capable of producing a credible value of economic damages for any situation.  Alternatively, a critique of an opposing existing economic damages report can be produced.

Background as a high-level banker and lender provides an unusually advantageous foundational viewpoint to provide a credible forensic analysis, and to help explain from a banker's and lender's point of view the proximate cause and negative economic impact of financial circumstances, such as the loss of or damage to credit, loss of income, impaired income, damage to intellectual property assets, damage to a patent, etc., and other forms of economic damages on an affected individual, corporation, or other entity.

Mr. Coker has been engaged by 34 of the top 250 law firms in the United States as well as by hundreds of smaller law firms.

Many economic damages cases involve situations that result in damage to a company. Other cases involve economic damages to an individual. In both cases, the assessment of economic damages involves a process of comparing the net present value before and after a causal damages event. The basic process is very similar for corporations and individuals. Mr. Coker is adept at both, and in 2005 was awarded a Certificate in Business Valuation from the Harvard Business School.

High-level executive experience, over 430 cases, math skills, communications skills, and strong credentials as a widely published author provide a unique set of skills that result in superb testifying techniques and the ability to produce impressive and convincing economic damages reports that are equally understandable by a judge as well as a jury.

Credibility is assured based upon prior positions held at Citicorp, Ford Motor Credit Company, and entities that are now part of Citigroup, Bank of America, Bank One / JPMorgan Chase Bank, and AmSouth Bank / Regions Financial, as well as high-level positions with a governmental banking regulatory agency.

Hired numerous times by the FDIC, Resolution Trust Corporation, Federal Home Loan Bank, IRS (7 times), Federal Savings and Loan Insurance Corporation, World Bank, and other governmental entities as their expert consultant on valuation and other banking and financial matters.

Hired by 8 of the country's top 10 banks, 8 of the country's top 10 mortgage banking companies, and 60 banks worldwide including 12 of the world's top 45 banks.

Work for both plaintiffs and defendants.

Listed in the recommended consultant databases of both the American Association for Justice (f/k/a/ ATLA) and the Defense Research Institute (DRI).

A high level of professionalism and efficient management skills allow for a quick turnaround on short-fused work assignments without compromising quality.

Travel is not a problem, and consulting assignments have been completed for clients in 45 states and 27 foreign countries in the Americas, Europe, Asia, and Africa.

Professional appearance and personable demeanor as well as personal communications skills needed to relate to a jury. Listed in Who's Who in America and Who's Who in the World.

Mr. Coker serves clients worldwide from his office in the northern metro Atlanta, Georgia, area, and can be reached by telephone at (770) 852-2286 or by e-mail at: Bankexpert@cs.com

Entire Website © 2008 - 2010 by Don Coker

 


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Entire Website Copyright 2008-2010 by Don Coker

 

Consultant

Professional Background Summary

Presently serve as an independent consultant offering consulting, research, and expert witness consulting services worldwide. Consulting assignments have involved disputed matters as large as $20.8 billion and have included matters in 45 states and over 50 countries. Expert witness experience includes assisting both plaintiff and defense counsel in over 390 cases nationwide and involving 93 testimonies. Listed in the recommended expert consultant databases of both the AAJ and DRI.

Prior employment positions include 20+ years experience in management at banks, savings & loans, credit companies, mortgage banking companies, and a governmental financial institution regulatory agency. Positions held include Board of Directors member, Executive Vice President, Senior Vice President, Manager of Lending, Manager of Mortgage Banking, Regulatory Supervisory Agent (tantamount to CEO). Committee memberships included Loan Committee, Executive Committee, Audit Committee, and Pension Plan Trustee. Served as a corporate officer of various financial institution subsidiaries.

Management responsibilities have included as many as 300 people in 22 locations nationwide in ten states and $1 billion in gross assets. Directly responsible for originating over 36,000 loans of all types totaling approximately $5 billion, reviewing well over 100,000 financial statements and credit reports, and over 25,000 real estate appraisals.

Called on by banking regulators several times to provide regulatory oversight and management at troubled financial institutions.

Other Services Offered Include:

Interim Management
Turnaround Management
Temporary Management
Crisis Management
Business Valuation
Business Plans
Policy and Procedure Manuals
Due Diligence
Merger and Acquisition assistance
Economic Damages Calculations
Business Ethics
Banking Industry Standards of Care
Bank Taxation
Fraud Prevention Advice
Check Cashing Consulting
Investment and Securities Issues
International Issues
Site Location
New Office Start-Up Consultation
New Office Start-Up Costs Estimates
Expert Witness Services

Representative Consulting Client List

Banking:
The World Bank
Bank of America
Bank of America - Canada
NationsBank
Bank One (now JPMorgan Chase Bank)
Wachovia Bank
First Union Bank
SouthTrust Bank
Citigroup/CitiFinancial
Firstar/U.S. Bancorp
Wells Fargo Mortgage Corp.
National City (Bank) Corporation
MBNA America Bank
Citizens Bank of Pennsylvania
Provident Bank
KeyCorp
Royal Bank of Scotland Group, plc
Credit Suisse First Boston Mortgage Capital
First National Bank of San Marcos, TX
Banco Industrial de Venezuela
Bank of Oklahoma
Southern Security Bank
First National Bank of Palm Beach
First Bank, Tallahassee, FL
Sunbelt Savings (now Bank of America)
Sunbelt Federal Bank
Bancomer, S.A. (Mexico)
Bluebonnet Savings
Standard Pacific Savings Bank
First National Bank of Brewton
Southeast Bank of Miami, FL
Barnett Banks, Inc.
Bank of the Southwest
Community National Bank, Midland, TX
Northshore Bank, TX
Bank of Bentonville, AR (Walton Family)
Priority Bancorp
Iowa Trust
Banco Bilbao Vizcaya Argentaria (Bilbao and Madrid, Spain)
Tanzania Institute of Bankers
Bank of Tanzania (central bank)
Federal Reserve Bank of Atlanta
Goldome Realty Credit Corp.
PanAmerican Bank
Western Gulf Savings & Loan (now Wells Fargo)
American Savings & Loan
Bank Insurance & Securities Association
William E. Wood & Associates (Re: Towne Bank, VA)
EDS - BEI Golembe Consultants
Smith Barney (Citigroup)

Governmental:
FDIC
Resolution Trust Corp.
Federal Savings & Loan Insurance Corp.
Federal Home Loan Mortgage Corp.
Farm Credit Bank
U.S. Department of Education, Inspector General's Office
Internal Revenue Service, U.S. Treasury Department
U.S. National Library of Medicine, National Institutes of Health
State of Texas, Savings & Loan Department (Regulators)
13 Municipalities in CA and CO
Tanzania Revenue Authority
United Nations Conference on Trade & Development
U.S. Agency for International Development (Washington, D.C.; Kiev, Ukraine; Moscow, Russia)
U.S. Air Force (Guantanamo Bay, Cuba) Judge Advocate General's Corps Office of Special Investigations
New York Governor George Pataki's Office of Regulatory Reform

Insurance:
AIG
CNA
St. Paul Travelers Insurance
Travelers Casualty & Surety Company of America
Liberty Mutual Insurance Co.
Acadia Insurance Company
Employers Mutual Insurance Co.
Erie Insurance Group
State Farm Insurance Co.
Military Premium Managers
Reliance Insurance
Physicians Mutual Insurance Co.
Physicians Life Insurance Co.
International Transport Intermediaries Club, Ltd., UK
North River Insurance Co.
American Casualty Insurance Co.
National Union Fire Insurance Co.
Continental Casualty Insurance Co.
Lloyds of London, UK
Crum & Forster Managers
Xerox Financial Services
Thomas Miller & Company, UK

Corporate:
Ford Motor Credit Company
Cisco Systems
IBM - Lotus Development
Microsoft
Kawasaki
Intuit, Inc.
Wal-Mart Stores
Wal-Mart Real Estate Business Trust
Doral Mortgage Corp.
Ambassador Mortgage
Security Properties
McGladrey & Pullen, LLP (CPAs)
Prentice Hall Publishing
Central Financial Services
NAPA Auto Parts
Pioneer Financial Services
Sansbury Ace Hardware
Madison Equity Mortgage Co.
Darryl's Restaurants
Bosler & Hashioka Developers
Sears
Scorpion International Services, S.A. (Athens, Greece)
Heritage Motels. Inc.
Sunrise Gardens Apartments, Las Vegas, NV
Barron's Educational Software
Anco Merchandising
Operative Plasterers & Cement Masons International Association
Network Software Associates
Calco Aerospace
Midwest Merger Management
Calco Aerospace
Education Central, Inc. (USVI)
Ruby Tuesday
Remington Investments
Inverelle, Inc.
Alpha Software
Phivos Karnaos (London & Moscow)
Simon & Schuster Publishing
The King Edward Inn (Canada)
Jancik Concrete Specialties
Keytronics
Concord Boat Corp.
NBI Software
Houlihan's Restaurants
Sprint/Nextel
Ukrainian Accounting Reform Project (Kiev, Ukraine)
International Accounting Standards Board Foundation (London)
Stanford Carr - Ewa Development (Hawaii)
Royster-Clark Agribusiness
American Consolidated Credit
Specialty Motor Cars
George B. Kaiser, Forbes 400 List
ButtonWare Software (PC Calc+)
Fillette Green Shipping
Zapadnoe Koltze (Moscow, Russia)
Benchmarking Partners
Gary Tharaldson, Forbes 400 List
Boston Credit Corp.
Dr. Richard Dombroff
Morrison's Cafeterias
Transcontinental Products & Services
Reynolds Lumber Company
Broderbund Software
Marchese Chevrolet
Surgency
Westat
Computer Associates
AvtoVAZ (Russia's largest car co. - LADA automobiles)
AutoVAZBank (Tagliatti, Russia)
Import Specialists
Timeworks Software
Fleming Electric Co.
WordStar
Russell Research
Christian Bay Shipping Company
Cliff's Notes Publishing
DataEase International
CreditCare Credit Counseling
AddStor Software
Fraud Discovery Institute
Olympic Cube (Athens, Greece)
Kilimanjaro International (Africa)
Chemonics International
Tax Express Income Tax Services
Andy Beal, Forbes 400 List
Institute for Stock Market and Management (Moscow, Russia)

Books, Publications & News Media

Complete Guide to Income Property Financing & Loan Packaging, Prentice Hall, 1984.
Self-Management: A Guide to Career Advancement and Development, written under contract for Prentice Hall, 1985.
Complete Real Estate Computer Workbook, Technical Editor, Prentice Hall, 1986.
The Complete Loan Officers Handbook, presently writing.
"Money Laundering: A Dirty Business," White-Collar Crime Reporter, Oct. 1991.
Treasury Magazine published by The Economist. Interviewed and quoted in an article written by a U.S. News and World Report Editor.
"How You Can Help Your Client Get a Loan to Finance Real Estate Projects," Practicing Attorney's Newsletter, April 1984.
"Getting a Grip on Core Deposit Intangibles," American Banker newspaper, 1996.
"The Dollars and Sense of Business Valuation," published on the website of the American Bank Attorneys Association, April 1996.
"Putting a Cash Value on a Business," interviewed by Lawyers Weekly, May 6, 1996.
"Business Valuation Techniques," Business Locator, May 1996.
"Valuing Businesses," TAB Letter, Technical Assistance Bureau, June 1996.
"Using Business Value to Achieve Ad Valorem Tax Reductions on Commercial Real Estate Properties," Journal of Property Management, June 1997.
What's Working in Credit & Collection, interviewed, quoted re: bank drafts, March 1997.
"Making Sense of Internet Stock Values," TAB Letter, July 1999.
Africa Today, extensive video coverage by Reuters News Agency of Tanzania Revenue Authority training program, Arusha, Tanzania, March 11, 2001 and other dates.
Interviewed by ITV Television Network on the subjects of banking, taxation, economic growth and development, and capitalism in Tanzania, in Arusha, Tanzania, March 16, 2001. Aired on March 17, 2001, and subsequent dates.
The Atlanta Journal-Constitution, interviewed for an article on banking regulatory policies and procedures, and banking practices, August 21, 2001.
The Atlanta Journal-Constitution, interviewed for an article on banking practices and procedures to help deter terrorism, September 19, 2001.
Collections & Credit Risk, interviewed regarding banking procedures. September 20, 2001.
The Atlanta Journal-Constitution, interviewed for an article on banking practices and procedures involving funds transfers and money laundering by terrorist groups. September 21, 2001.
The Baltimore Sun, interviewed for an article regarding considerations for the future of Allied Irish Banks, PLC's, American subsidiary Allfirst Bank. May 30, 2002.
The Atlanta Journal-Constitution, interviewed for an article on changes in banking practices and procedures as a result of the September 11, 2001, terrorist attacks. August 29, 2002.
ESPN.com and Outside the Lines television show, interviewed regarding identity theft matters. November 1 - 3, 2002.
Lending Intelligence magazine and website, interviewed regarding lending practices and interest rates, November 25, 2002.
NBC Evening News, interviewed regarding identity theft, November 25, 2002.
Lending Intelligence magazine and website, interviewed regarding credit scoring and loan approval policies and procedures, December 10, 2002.
Charlotte Observer newspaper, interviewed regarding bank branching and operations policies, January 21, 2003.
Street & Smith’s SportsBusiness Journal, interviewed regarding business ethics and corporate governance issues involving the U.S. Olympic Committee’s Chief Executive Officer, February 25, 2003.
Family Finances column that appears in The Boston Herald, the Pittsburgh Post Gazette, the Palm Beach (FL) Daily News, and some Scripps Howard newspapers. interviewed regarding credit card debt matters, September 23, 2003.
The Denver Post, interviewed regarding banking economics and bank branching January 21, 2004.
Mortgage Lending Compliance Alert, interviewed regarding housing market outlook, economic and interest rate outlook, and lender profitability strategies. Feb. 2004.
CFA (Chartered Financial Analyst) Magazine, published by the Association for Investment Research, which recently became the CFA Institute. Interviewed by this professional certification organization that promulgates “standards for investment professionals worldwide� regarding business ethics and corporate governance issues. May 2004.
Continental magazine, interviewed regarding banking and its effect on economic resurgence, especially as it relates to Ireland. July 6, 2004.
European Business School, International University; Schloß Reichartshausen, Germany. Interviewed regarding intellectual property and business valuation techniques. July 24, 2004.
San Francisco (CA) Daily Journal, a legal newspaper, quoted regarding the alleged bank fraud and credit card fraud factors related to alleged Guantanamo Bay, Cuba, U.S. Air Force translator spy Ahmad Al Halabi, July 28, 2004.
Bank Tech & Security Newsletter, provided direction to a bank on the proper way to handle an attempted fraudulent international wire transfer. September 30, 2004.
Small Business Times, provided information concerning business valuation issues. September 30, 2004.
Mortgage Lending Compliance Alert, interviewed regarding the Bank Secrecy Act and Suspicious Activity Reports (SARs). October 12, 2004.
Mortgage Lending Compliance Alert, provided input for an article concerning compliance with the rules and regulations of lending. November 4, 2004.
Mortgage Lending Compliance Alert, provided input for an article on the Fair and Accurate Credit Transactions Act of 2003, a/k/a/ FACTA or FACT Act. Mar. 16, 2005.
Bank Technology & Security Alert, provided input for a question and answer section regarding online bill paying. April 11, 2005.
Mortgage Lending Compliance Alert, provided input for a question and answer section regarding closing costs for home mortgages. May 18, 2005.
Newark Star-Ledger newspaper, interviewed on the subjects of check cashing and the need for enhanced identification verification systems. May 26, 2005.
Bank Insurance & Securities Marketing Magazine, interviewed regarding ethical training considerations and the Securities & Exchange Commission’s recently enacted Investment Adviser Code of Ethics. June 21, 2005.
Mortgage Lending Compliance Alert, provided input for an article regarding the legal, regulatory, and marketing considerations of providing lending services to Spanish speakers. June 21, 2005.
Bank Security & Technology, provided input for a question and answer section regarding bank facility security. August 11, 2005.
Bank Security & Technology Wire published by Medical Newswire, provided input for an article regarding the security of bank computer systems. November 9, 2005.
Chicago Sun-Times, interviewed on bank marketing issues. January 9, 2006.
American Prospect Magazine, provided input for an article on business and banking ethics written by a reporter for the Philadelphia Daily News. February 1, 2006.
Bank Security & Technology Alert, provided input for a question and answer section regarding bank record retention. February 8, 2006.
Chicago Sun-Times, interviewed on checking account issues, March 13, 2006.
ABC News - Miami, interviewed for a national radio broadcast regarding credit card fraud and identity theft issues. April 21, 2006.
AML (Anti-Money Laundering) Compliance Alert, provided input for an article about the BankAtlantic money laundering case and anti-money laundering policies and procedures. May 5, 2006.
WJNO AM 1290 Clear Channel Radio, live on-air telephone interview by John Howe regarding the loss of credit information on 26.5 million veterans. May 23, 2006.
Mortgage Lending Compliance Alert, provided input for an article about documentation requirements for closing a loan. June 12, 2006.
Virginia Pilot newspaper, Provided opinions for an investigation into suspected mortgage fraud. October and December 2006.
Chicago Sun-Times, interviewed and quoted regarding bank economics and ABN Amro’s decision to layoff 900 people at LaSalle Bank in Chicago. December 28, 2006.

Patent

On July 8, 2002, the United States Patent & Trademark Office registered a Provisional Patent to Don Coker for a business process for improving the prevention and detection of financial fraud involving personal and business checks, cashier's checks, postal and commercial money orders, letters of credit, bills of exchange, drafts, and many other types of financial instruments. The formal Patent Application was filed July 1, 2003. In February 2007, a 90% interest in this Patent Application was sold; and in 2007, the patent application was licensed.


Entire Website Contents Copyrighted 2003 - 2008 by Don Coker

Feasibility Study and Marketing Study Expert Consultant's Biographical Data

Education

College & University:

- University of Alabama, BA.
Awards and Activities: Gold Merit Key Award for Outstanding Service to the University, Outstanding Army ROTC Platoon Leader Award, numerous publications activities, apartment manager.

- University of Alabama, post-grad work in real estate, finance, accounting.

- University of Houston, post-grad work in real estate, valuation, law.

- Spring Hill College, masters degree-level liberal arts and ethics coursework.

- Southern Methodist University, executive education work in commercial real estate finance, construction finance, securities.

- Harvard Business School, Harvard University, Certificate in Business Valuation.

Secondary:

University Military School, Mobile, AL. Graduated 1963. 12-year prep day school. One of the highest rated schools in the South. Awards and Activities: Outstanding Student in English, military awards, school publications.

Professional Training:

- American Bankers Association - American Institute of Banking: financial statement analysis, business finance, bank investments, principles of bank operations, bank management, trusts.

- National Institute of Real Estate Boards, commercial real estate finance.

- International Council of Shopping Centers, shopping center finance.

- National Hospital Association, one-week workshop in healthcare entity finance and valuation.

- Mortgage Bankers Association, workshops in multi-family and SFR lending.

- Federal Home Loan Bank of Dallas, training workshops on financial institution management, lending, investments, operations, et. al.

- Texas Savings & Loan Department, training workshops on financial institution management, lending, investments, operations, et. al.

- Federal Home Loan Mortgage Corp., real estate financing workshop.

- First National Bank of Mobile, AL (later AmSouth, now Regions Financial), financial statement analysis, business finance, bank investments, credit card operations, deposit operations, bank management, trusts.

- Gibraltar Savings Association (now Bank of America), commercial real estate finance, valuation, joint-ventures.

- Citicorp, business, corporate, and real estate finance, valuation, deposit products, investments.

- Southwest Bancshares (later Bank One, now JPMorgan Chase Bank), business finance and real estate investments.

- Commercial Credit Corp. (now Citigroup), one-week Corporate Marketing Conference covering in-depth training in all financial products, plus 28 CDC Learning Center courses (45 semester hours) in business and economic subjects.

- Frost Bank, advanced credit analysis and business finance.

Other Professional Activities

- Consultant on various economic, valuation, real estate, marketing, and banking matters for clients in 45 states and several foreign countries.

- Expert Witness, over 390 cases for plaintiff and defense, 98 testimonies, listed in the Association of Trial Lawyers of America's AND the Defense Research Institute's databases of recommended consultants, plus state and local databases in AZ, AR, CO, DC, HI, IL, IA, KY, LA, MN, MS, NH, NY, NC, OH, PA, SD, WA, and San Francisco.

- Phillips College, former Adjunct Professor of Business.

- Institute of Financial Education, approved instructor for the educational arm of the U.S. League of Savings Institutions.

- Prentice Hall Publishing, Simon & Schuster, Paramount Communications, technical editor and consultant on banking and real estate subjects.

- Holiday Inn, Lender Advisory Panel.

- Rodeway Inn, Lender Advisory Panel.

- Novick's Money Market Seminars, panelist.

- National Directory of Corporate Distress Specialists, approved Turnaround management consultant.

- Licensed Sports Agent, approved by the NCAA, Major League Baseball Players Association, and the AL Athlete Agents Regulatory Commission.

- American Arbitration Association, approved Professional Commercial Arbitrator.

- State of Texas Real Estate Commission, approved instructor and writer of courses.

- Texas Real Estate Broker's License held for over ten years.

Past Professional Memberships

- American Bankers Association
- American Institute of Banking, Chapter Officer and Bank Consul
- U.S. League of Savings Institutions
- Institute of Financial Education, Instructor
- Mortgage Bankers Association
- Texas Mortgage Bankers Association
- American Council of State Savings Supervisors
- American Bankruptcy Institute - Committee assignments: Public Companies, Real Estate, International, U.C.C., Commercial Fraud Taskforce, and Healthcare.
- Board of Realtors
- National Association of Homebuilders
- International Council of Shopping Centers
- Houston (TX) Chamber of Commerce, Economic Development Committee, 9 years

Civic Activities

- Katy School District (Houston suburb), Trustee, elective position.
- U.S. Army Reserve, 1966-1968, Officer Training, Ft. Bragg, NC; Honorable Discharge.
- Nottingham Country Civic Club, officer, 1,500 family neighborhood association.
- Sunday School teacher, usher, host.

Recognition in Biographical Reference Books

- Who's Who in America, 52nd - 58th eds.
- Who's Who in the World, 12th - 16th eds.
- Who's Who in Finance & Industry, 26th - 29th, 33rd eds.
- Who's Who in Medicine & Healthcare, 1st - 4th eds.
- Who's Who in the South & Southwest, 21st - 33rd eds.
- Directory of Distinguished Americans, 5th ed.
- Who's Who Registry of Global Business Leaders, 1993 - 1994 ed.
- Who's Who of Emerging Leaders of America, 3rd ed.
- Who's Who Registry of Business Leaders, 1994 ed.
- Personalities of America, 5th ed.
- Personalities of the South, 14th ed.

Employmenr History

1986 - Present: Banking, Management & Economic Consultant, Woodstock, GA.
- Consulting assignments covering a broad range of activities such as governmental regulatory oversight, interim management, workout and restructuring of troubled loans, business & asset valuation, intangible asset issues, bank income tax issues, merger & acquisition assistance, due diligence, business plans, management advice, policy and procedure manual matters, international engagements, writing & editing business books, feasibility & marketing studies & advice, training & educational activities, international engagements.
- Expert Witness engagements nationwide for plaintiffs and defendants covering all areas of banking, valuation, securities, economics, economic damages, trusts & estates, real estate, international matters, management, credit, finance, and business.

1985 - 1986: Executive Vice President, Manager of Lending & Board of Directors Member, Home Savings (now Citigroup), Houston, TX. Manager of all lending and mortgage banking. Number Two Executive. Heavily involved in investments and deposit activities. Officer of several subsidiary companies. Member of Loan Committee, Executive Committee, Audit Committee, et. al.

1984 - 1985: Senior Vice President, Manager of Lending, First Federal Savings (now Guaranty Bank), San Antonio, TX. Manager of all lending and mortgage banking. Number Two Executive. Heavily involved in investments and deposit activities.

1983 - 1984: Southwest Regional Manager, Ford Motor Credit Corp., Houston, TX. Manager of commercial real estate finance, and some financing with dealers.

1977 - 1983: Regional Manager, Commercial Credit Company (now Citigroup), Houston, TX. Manager of commercial and residential real estate financing for the southwest, and involved in all financial products offered by the $7 billion company.

1974 - 1977: Manager of Commercial Real Estate Lending and Mortgage Banking, Southwest Bancshares (later Bank One, now JPMorgan Chase Bank), Houston, TX. Also involved in the origination and administration of construction loans, deposit and investment activities for lending clients including wealthy foreign nationals, corporate and personal lending, and credit card operations.

1973 - 1974: Assistant Regional Manager and Assistant Treasurer, Citicorp Real Estate, Houston, TX. Mortgage banking and construction lending for Citibank, N.A. (NY), and deposit and investment activities for wealthy foreign clients.

1972 - 1973: Loan Officer and Manager of Lending Department, Gibraltar Savings (now Bank of America), Houston, TX. At age 26, managed the day-to-day operations of Texas' largest S&L (55th largest in the U.S.). Handled construction and subdivision development loans, joint-ventures, and high-volume builder accounts.

1968 - 1972: First National Bank of Mobile (later AmSouth, now Regions Financial), Mobile, AL. Mortgage and real estate specialist in the Trust Department. Trained and worked in all areas of the bank including checking and savings, credit, corporate lending, personal lending, international, investments, trusts and estates, portfolio management, corporate pension plans, stock transfer, corporate bond trustee, credit cards, and funds transfers.

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Entire Website © 2008 - 2009 by Don Coker

Related Links

Business Start-up Advice and Services

Advice and services provided for start up businesses and paid for by the issuance of stock in the startup business will be considered on a case by case basis.

Services that can be provided include:

•  Business plan preparation.

•  Start-up cost estimate.

•  Feasibility and market studies.

•  Financial structuring and planning.

•  Financial projections.

•  Site location.

•  Merger and acquisition analysis.

•  Expansion analysis and planning.

•  International activities.

•  Management structure planning.

•  Cost cutting programs and analysis. 

•  Management consulting.

 

Visit: http://www.hg.org/article.asp?id=7232

Additional Questions or need further information?

Don Coker
Don Coker
423 Latimer Street
Woodstock, GA 30188-5052
Phone: 770-852-2286
Fax: 509-678-7756
Additional Faxes: (610) 643-7870 or (419) 517-5284

Entire website Copyright 2005 - 2008 by Don Coker

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