Don Coker, based in the metro Atlanta, Georgia area, offers nationwide bank consulting and expert witness services for all banking and finance areas including lending, deposit, wire transfer, and operations issues, trust, estate and probate issues, mortgage banking including subprime loans, economic damages, industry standards expert witness opinions, and business, patent, IP, and website valuation consulting services, as well as interim CEO management and interim turnaround management services for financial institutions and businesses of all types and sizes nationwide and worldwide.
Services
Mr. Don Coker provides the following services:
Banking expert witness, banking industry standards opinions, fiduciary duty opinions, good faith opinions, fair dealing opinions, commercially reasonable opinions, mortgage banking industry standards opinions, lender liability, FACTA expert witness, subprime mortgage expert witness opinions, credit card expert witness, credit report expert witness, bank fraud expert witness, check fraud expert witness, credit card fraud expert witness, and all banking areas, offering banking expert witness services to banks, financial institutions, corporations, attorneys, and attorney's individual litigants nationwide. All areas including subprime loans, credit cards, bank fraud, business fraud, checking account fraud, residential real estate, commercial real estate, business and asset valuation, economic damages, financial statements, white-collar crime, due diligence, investment banking, merger, acquisition, international business, wire transfers, credit lines, intangible asset appraisal, IP appraisal, patent appraisal, website appraisal, core deposit intangible appraisal, intellectual capital, savings and loan industry standards, finance, real estate, trusts and estates litigation, probate litigation, money laundering, business ethics. Title insurance policy issues, title insurance industry standards, mortgage loan closing procedures, closing protection letters, closing agent responsibilities, issuing agent responsibilities, real estate mortgage loan settlement procedures, and related title insurance issues.
Areas in which Don Coker has provided opinions and services include Banking Industry Expert, Bank Consultant, Banking Industry Standards, Banks, Bankruptcy Preference, Fiduciary Duty, Commercial Reasonableness, Duty of Care, Good Faith, Honesty in Fact, Bank Policies and Procedures, Directors and Officers Liability Insurance (D&O;), Bank Accounts, Anti-Money Laundering, AML, Refco, Credit Damage, Finance, Business Valuation, Asset Appraisal, Intellectual Capital Appraisal, Core Deposit Intangible Valuation, Intangible Asset Valuation, Intellectual Capital, Class Action, Fairness Opinions, Fraud, Embezzlement, Checking Accounts, Credit Card Fraud, Credit Reports, Discounted Cash Flow Analysis, Identity Theft, Wire Transfers, Mortgages, Investments, Securities, Loans, Home Improvement Loans, Economic Damages, Lost Wages, Real Estate Consultant, Commercial Real Estate Feasibility, Hotel Feasibility, Hospital Feasibility, International Business, Lender Liability, Financial Statements, Money Laundering, Trusts, Estates, Probate, Feasibility Studies, Corporate Intelligence, Financial Research, Economic Research, White Collar Crime, Due Diligence, Investment Banking, Mergers & Acquisitions, Corporate Debt Restructuring, Interim Manager, Turnaround Manager, Temporary Manager, Crisis Manager, Corporate Governance, Ethics, Truth in Lending Act, Class Action, Savings and Loan Industry Standards, Check Cashing, Litigation Assistance, Testimony and Expert Witness Services.
Litigation Support Services
Mr. Coker provides expert testimony and litigation support services to banks, financial institutions, insurance companies, corporations, attorneys, and attorney's individual litigants nationwide. Plaintiff and Defense. Knowledgeable in structuring discovery requests and preparing attorneys for depositions, including providing deposition questions, and attending depositions so as to provide on-the-spot guidance as to areas of inquiry and specific questions. Often called on to research a particular subject, perform a survey, etc.
Areas of Expertise
- Banking
- Banking Standards
- Bankruptcy
- Business
- Business Acquisitions
- Business Appraisal
- Business Interruption
- Business Organization
- Business Valuations
- Commercial Litigation
- Commercial Real Estate
- Corporate
- Currency
- Damages
- Due Diligence
- Economic Damages
- Economic Losses
- Economics
- Embezzlement
- Estates and Trusts
- Financial
- Financial Analysis
- Fraud
- Hotel
- Insurance
- Insurance, Property Casualty
- Insurance, Title
- Intellectual Property
- Investments
- Lender Liability
- Litigation
- Lost Earnings
- Lost Profits
- Malpractice, Financial
- Management
- Mergers & Acquisitions
- Mortgage
- Mortgage Banking
- Mortgage Fraud
- Probate
- Property Management
- Real Estate
- Real Estate Appraisal
- Real Estate Finance
- Real Estate Malpractice
- Research
- Securities
- Stocks
- Title Insurance
- Valuation
- White Collar Crime
Additional Expertise:
Attorney Checkscams, Business Valuation, Credit Damages, Wire Transfers, SWIFT, Securities, Bank Custodial Services, Real Estate Closing Fraud, Construction Loans, Credit Unions, Loan Servicing, Force Placed Insurance, Fiduciary Duty, Au7tomobile Floor Plan Lending, Money Laundering, White Collar Crime, Bonds, FACTA, Credit Card Processing, Due Diligence, Check Cashing, Loan Participations, Elder Financial Abuse, Bank Directors and Officers Litigation, Garnishment, Spousal Guaranty, Foreclosure, LIBOR Manipulation, Mortgage Repurchase Demand, Bond Trustee Litigation, Retail Installment Sales Contracts, Bank Security.
Profile
Mr. Coker provides expert consultation, fact examination and analysis, advice, Affidavits, Declarations, reports, and sworn testimony at deposition and in court or arbitration for parties engaged in litigation involving all areas of banking and finance.
Mr. Coker's expert witness experience and background includes over 600 cases for plaintiffs and defendants nationwide, 163 testimonies (126 depositions and 37 courtroom or arbitration testimonies), and several courthouse settlements in all areas of banking, finance, FACTA issues, real estate, lender liability, economic damages, identity theft, business valuation, intangible asset valuation, credit card operations and merchant issues, and many related matters going back to 1989. He is privileged to be listed in the databases of expert witness consultants recommended by their members to the databases of both the Defense Research Institute and the American Association of Justice.
His clients have included 8 of the country's top 10 banks, 112 banks worldwide including 14 of the top 45 banks in the world, 71 of the country's top 400 law firms, 50 insurance companies, 8 of the country's top 10 mortgage banking companies, and numerous governmental clients including many banking regulators (FDIC, RTC, FSLIC, and others), IRS, USAID, U.S. Air Force, State of New York, State of Texas, World Bank, International Accounting Standards Board, and hundreds of others.
Mr. Coker's employment experience includes Citicorp and entities that are now JPMorgan Chase Bank, Bank of America, and Regions Financial, as well as Ford Motor Credit and a two-year stint as a high-level governmental financial institution regulator.
Mr. Coker holds a B.A. degree from the University of Alabama, and completed postgraduate education or executive education at Alabama, the University of Houston, Southern Methodist University, Spring Hill College, and the Harvard Business School.
In addition to banking and finance-related litigation consulting, Mr. Coker provides consulting services in many additional areas including business valuations, business plan writing, feasibility studies, marketing studies, anti-money laundering policies and procedures, policy and procedure manuals for financial institutions and other businesses, merger and acquisition due diligence and assistance, research, and many other related areas.
As part of his wide-ranging consulting activities, Mr. Coker has been called on by clients in 37 countries for work assignments involving 66 countries.
Mr. Coker is widely published on banking and financial subjects (1 book and over 100 articles), and is often sought out by the media for interviews and comments.
Mr. Coker serves clients worldwide from his office in the metro Atlanta, Georgia USA area.
Consulting Practice
All States
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Professional Experience
1986 - Present: Banking, Management & Economic Consultant, Woodstock, GA. ● Consulting engagements covering a broad range of activities such as governmental financial institution regulatory oversight, interim management, workout and restructuring of troubled loans and foreclosed properties (residential and over 100 commercial properties), business & asset valuation, intangible asset valuation and issues, bank income tax issues, core deposit appraisals, merger & acquisition assistance, due diligence, business plans, management advice, policy and procedure manual matters, international engagements for clients in 37 countries involving work in 66 countries, writing & editing business books, feasibility studies, marketing studies, research, commercial real estate studies & advice, training & educational activities, and investment advice to investment managers, private equity funds, and hedge funds. ● Expert Witness engagements nationwide for 71 of the country’s top 400 law firms and hundreds of others representing plaintiffs and defendants nationwide and covering all areas of banking, mortgage banking, attorney check scams, business valuation, intellectual property valuation, securities, investments, economics, economic damages, trusts & estates, residential and commercial real estate, credit card operations and merchant issues, FACTA cases, check and credit card fraud, identity theft, funds transfers, international matters, leasing, bankruptcy preference, management, credit, finance, and general business. Over 650 cases, 163 testimonies.
1985 - 1986: Executive Vice President, Manager of Lending & Mortgage Banking, Board of Directors Member, Home Savings (now Citigroup), Houston, TX. Number Two Executive. Also involved in investments, deposit activities, and credit cards. Officer of several subsidiary companies. Member of Loan Committee, Executive Committee, Audit Committee, et al. Restructured the management responsibilities of several departments, increasing production, efficiency, and staff utilization. Completed a $118 million (2015 USD) Collateralized Mortgage Obligation loan securitization transaction through Salomon Bros. Improved profits and reduced delinquencies.
1984 - 1985: Senior Vice President, Manager of Lending & Mortgage Banking, First Federal Savings (later Guaranty Bank, now BBVA Compass Bank), San Antonio, TX. Number Two Executive. Also involved in investments, deposit activities, and credit cards. Increased lending activities 40% in one year while reducing delinquencies and without adding to headcount.
1983 - 1984: Southwest Regional Manager, Ford Motor Credit Corp., Houston, TX. Manager of commercial real estate finance, and some financing with car dealers.
1977 - 1983: Regional Manager, Commercial Credit Company (now Citigroup), Houston, TX. Manager of commercial and residential real estate financing for the southwest, and formally trained & involved in all financial products offered by the $16.8 billion (2015 USD) company. Chosen to open the company’s first commercial real estate lending field office. Top business producer every year. Received the company’s largest bonus ever awarded - twice.
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 & investment activities for lending clients including wealthy foreign nationals, corporate & personal lending, and credit card operations. Created and managed a commercial mortgage banking entity for a multi-bank holding company.
1973 - 1974: Assistant Regional Manager & Assistant Treasurer, Citicorp Real Estate, Houston, TX. Mortgage banking and construction lending for Citibank, N.A. (NY), and deposit, investment, and trust activities for wealthy foreign clients. Helped establish a new office in Houston, including staffing and the formulation of operating policies & procedures. Primary territory covered seven states, and operated nationwide & internationally. One of Citicorp’s youngest officers ever. Top business producer.
1972 - 1973: Loan Officer & Manager of Lending Department, Gibraltar Savings (now Bank of America), Houston, TX. At age 26, managed the day-to-day lending operations of Texas’ largest S&L; (55th largest in the U.S.). Handled construction & subdivision development loans, joint-ventures, commercial property lending, REO management, and high-volume builder accounts. Completed & implemented several bonus-winning workflow efficiency improvement projects for various departments.
1968 - 1972: First National Bank of Mobile (later AmSouth, now Regions Financial), Mobile, AL. Mortgage and real estate specialist in the Wealth Management area of the Trust Department. Trained and worked in all areas of the bank including checking & savings, credit, corporate lending, mortgage lending, mortgage servicing, personal lending, operations, check processing, audit, international, investments, trusts & estates, corporate pension plan management, portfolio management, registered stock transfer agent & registrar, corporate bond trustee & registrar, fiscal & paying agent, bank security, credit card ops, ACH, and funds transfers.
Licenses
No current licenses. Previously licensed as a real estate broker (and appraiser) in Texas for ten years. Approved by the State of Texas to write and teach real estate courses. Approved by the State of Texas to serve as a Regulatory Supervisory Agent banking regulator. Certificate in Business Valuation from the Harvard Business School.
Legal Experience & Services
Began expert witness work in 1989. Engaged for over 655 cases for plaintiffs and defendants nationwide in 49 states. Engaged by hundreds of law firms including 71 of the country's largest 400 law firms. Quoted by prominent Federal Appeals Court Judge Richard A. Posner in one of his recent banking case opinions.
Affiliations
No Present Professional Affiliations in Order to Avoid Any Possible Appearance of a Conflict. Previous Professional Affiliations Include: 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 - Committees: Public Companies, Real Estate, International, U.C.C., Commercial Fraud Taskforce, Healthcare. Board of Realtors National Association of Homebuilders International Council of Shopping Centers Houston (TX) Chamber of Commerce, Economic Development Committee, 9 years
Qualifications
Approximately 20 years as a high-level banker with lending, investment, deposit, operations, and management responsibilities; and over 20 years as a worldwide independent banking consultant including over two years as a high-level governmental banking regulator, and nationwide expert witness.
Awards & Honors
Gibraltar Savings Association - Awarded several bonuses for workflow improvement programs. Citicorp - Top Business Producer. Youngest corporate officer ever. Commercial Credit Company - Top Business Producer. Awarded the company's highest bonus ever awarded - twice.
Seminars & Training
American Bankers Association - American Institute of Banking: financial statement analysis, accounting, corporate finance, bank investments, principles of bank operations, bank management, trusts. National Institute of Real Estate Boards, real estate investment & finance. International Council of Shopping Centers, shopping center finance & valuation. National Hospital Assn., 1-week workshop, healthcare entity finance & valuation. Mortgage Bankers Association, two workshops: 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. Real Estate Workouts Conference, Laventhol & Horwath, July 1987. First National Bank of Mobile, AL (later AmSouth Bancorporation, 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 in business and economic subjects. Frost Bank, advanced credit analysis and business finance.
Publications
One book and over 100 articles.
Professional References
Seventy one of the country's top 400 law firms. IRS - 7 cases. FDIC - Four expert witness cases and several interim management and consulting engagements.
Education
University of Alabama, BA, 1968. University of Alabama, 1968, Post-graduate work in finance, economics, real estate, and accounting. University of Houston, 1973, Post-graduate work in finance, valuation, real estate law. Spring Hill College, 1995, Master's degree-level liberal arts and ethics courses. Southern Methodist University, Executive Education courses in commercial real estate finance and securities, loan syndication, construction finance, 1983 - 1984. Harvard Business School, Executive Education. Certificate in Business Valuation.
Extensive Professional Training in seminars, workshops, and on-the-job education.
