Don Coker: Banking, Economic, Valuation, Management and Real Estate Consultant
Consulting, Research, Investment Banking, and Expert Witness Services Worldwide
1600 Sugar Creek Drive, East
Mobile, AL, 36695-2728
Office Tel: (251) 633-0180 - Cell: (334) 648-4545
Fax: (661) 749-7284
Services
Consulting and Expert Witness services for attorneys and their clients involving issues of banking, finance, business valuation, intellectual capital, intangible asset valuation, real estate, economics, damages, fraud, funds transfers, international transactions, feasibility and marketing, management, business ethics, due diligence, merger & acquisition assistance, research, healthcare entity valuation, general business and management issues, and research.
Commercial real estate mortgage financing and investment banking assistance for real estate development and investment professionals and investment banking and lending firms.
Corporate investment banking assistance and due diligence services for corporate and institutional clients.
Representative Client List
Banking:
The World Bank
Bank of America and NationsBank
Bank of America - Canada
Bank One
First Union Bank
U.S. Bancorp
Credit Suisse First Boston Mortgage Capital, LLC
Bank of Oklahoma
Sunbelt Savings
Sunbelt Federal Bank
Bluebonnet Savings
Standard Pacific Savings Bank
First National Bank of Brewton
Southeast Bank of Miami, FL
Barnett Banks, Inc.
Bank of the Southwest
Priority Bancorp
KeyCorp
Tanzania Institute of Bankers
Bank of Tanzania (central bank)
Goldome Realty Credit Corp.
Western Gulf Savings & Loan
American Savings & Loan
BEI Golembe (Banking) Consultants, now EDS
Governmental:
FDIC
Resolution Trust Corp.
Federal Savings & Loan Insur. Corp.
Federal Home Loan Mortgage Corp.
U.S. Department of Education, Inspector General’s Office
Farm Credit Bank
State of Texas, Savings & Loan Department (Regulators)
Internal Revenue Service, U.S. Treasury Department
Ten Municipalities in CA and CO
Tanzania Revenue Authority (tantamount to IRS)
Insurance:
AIG
CNA
Liberty Mutual Insurance Co.
Acadia Insurance Co.
Military Premium Managers
North River Insurance Co.
American Casualty Insurance Co.
National Union Fire Insurance Co.
Continental Casualty Insurance Co.
Crum & Forster Managers
Xerox Financial Services
Corporate:
Cisco Systems
Network Software Associates
NAPA Auto Parts
Darryl’s Restaurants
Sears
Heritage Motels. Inc.
Calco Aerospace
Ruby Tuesday
Phivos Karnaos (London & Moscow)
Jancik Concrete Specialties
George B. Kaiser, Forbes 400 List
Concord Boat Corp.
Houlihan’s Restaurants
Fillette Green Shipping
Zapadnoe Koltze (Russia)
Benchmarking Partners
Tharaldson Motels, Inc.
Kilimanjaro International
Boston Credit Corp.
Law Firms:
Jones, Day, Reavis & Pogue.
Holland & Knight.
Dorsey & Whitney.
Baker & Hostetler.
Vinson & Elkins.
Fulbright & Jaworski.
Carlton Fields.
Stradling, Yocca, Carlson & Rauth.
Jere Beasley Law Firm.
Locke, Liddell & Sapp.
and over 100 other law firms nationwide.Experience
Called upon as an Expert Witness and consultant in over 140 cases and consulting engagements by clients in forty-two states and several foreign countries.
Career experience includes high-level positions with Citicorp and several entities now owned by Bank of America, BankOne, and AmSouth, as well as two years as a governmental financial institution regulator.
Published in banking, valuation, taxes, expert witness consulting, commercial real estate finance, white-collar crime, money laundering, check fraud, Internet stock valuation, business valuation, international trade transactions, and other related subjects.
Professional Background Summary:
25+ 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 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, and reviewing well over 100,000 financial statements and credit reports.
Other Professional Activities:
Consultant on various economic, valuation, real estate, marketing, and banking matters for clients in 44 states and several foreign countries.
Expert Witness, for plaintiff and defense, 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 AR, CO, DC, HI, IL, IA, LA, MN, MS, 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 and Rodeway Inns, Lender Advisory Panels.
Novick’s Money Market Seminars, panelist.
National Directory of Corporate Distress Specialists, approved 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.
Employment History
1986 - Present: Economic and Banking Consultant, Coker Consulting, Houston and Dallas, TX, and Mobile, AL. Consulting and Expert Witness engagements covering all areas of banking, valuation, economics, real estate, international, management, finance, and business.
1985 - 1986: Executive Vice President, Manager of Lending & Board of Directors Member, Home Savings (now Bank of America), 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, 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 (now Bank One), 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.
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.Education
University of Alabama, B.A.
University of Alabama, post-graduate work in finance, real estate, economics, and accounting.
University of Houston, post-graduate work in real estate valuation and law.
Southern Methodist Univesity, courses in real estate finance and securities.
Spring Hill College, Master degree-level coursework in ethics and liberal arts subjects.
Phillips College, former Adjunct Professor of Business.
University Military School, Mobile, AL. 12 year prep day school. Graduated 1963.
Awards and Activities: Outstanding Student in English, military awards, school publications.
College Awards and Activities: Gold Merit Key Award for Outstanding Service to the University, Outstanding Army ROTC Platoon Leader Award, numerous publications activities, apartment manager.
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 (now AmSouth Bancorporation), 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 (now Bank One), 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.
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.Licenses
Texas Real Estate Broker's License held for over ten years.
Texas Real Estate Commission approved instructor of real estate law, finance, appraisal, and related courses.
Government approved Regulatory Supervisory Agent.
U.S.League of Savings Institutions approved instructor of banking courses for the Institute of Financial Education.
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, Real Estate, Healthcare.
Board of Realtors.
National Association of Homebuilders.
International Council of Shopping Centers.
Houston (TX) Chamber of Commerce, Economic Development Committee, 9 years.
Biographical Achievement Listings:
Who’s Who in America, 52nd - 56th eds.
Who’s Who in the World, 12th - 16th eds.
Who’s Who in Finance & Industry, 26th - 29th eds.
Who’s Who in Medicine & Healthcare, 1st - 3rd eds.
Who’s Who in the South & Southwest, 21st - 28th 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.Other Places to go:
Don Coker Banking, Economic, Valuation, Management and Real Estate Consultant
