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Benefits Professional Experience

The private banking business began in 1986, after fifteen years of commercial lending and management for banks in the United States and Asia. Now with over twenty five years of experience as a lender and private banker for borrowers, a unique "insiders" understanding of how banks operate and how the changing regulatory environment affects their decision-making is brought to borrowers. It is this knowledge that provides financial and expert witness and litigation support services that maximize profit and minimize risk for the client.

Should you have comments or questions, wish to receive additional information or seek to arrange an initial consultation, I may be reached at 410 261-5080 or email by clicking the link below.



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Private Banker, March 1986 - Present.

Clients include companies involved in commercial, international, real estate, distribution, wholesale and retail commercial activities.
  • Specialize in debt management for clients, principally small to medium size business, usually privately held with revenues of $10-$150 million. Loan commitments usually range from $1 million to $25 million.
  • Specialize in debt management for high net worth individuals with corporate, commercial real estate and investment needs. Loan commitments range from $1 million to $25 million, while investment needs vary according to the particular need.
  • Assist clients with review/analysis of debt/banking relationships, including strategic financial planning, structuring, (re)negotiation and implementation of debt structure and analysis/negotiation for cash management, letters of credit and other non-credit services where appropriate.
  • Conduct investment analysis, both on a corporate and personal level. Mortgage banking and venture capital needs, where appropriate, are addressed and funds obtained as required.
  • Restructure/workouts - pre and post bankruptcy
  • Forbearance agreements, bankruptcy negotiation/analysis