J.F. "CHIP" MORROW

 Toll Free (866) 365-7212
Fax (866) 869-4062

Nationwide Coverage from

San Antonio, Texas

Email: jfmorrow@earthlink.net
Webpage: www.jfmorrow.com 

 

QUALIFICATIONS
  • 35+ years management experience in all areas of financial institutions & finance.
  • 33+ years loan experience in all types of lending including bank and mortgage.
  • 18+ years Financial Institution President, C.E.O. &/or Director.
  • 15+ years leadership in state and national financial trade associations.
  • 150+ expert cases involving many court preparations, court testimonies, depositions, affidavits, reports and/or findings.

 

WORK HISTORY

October 1995

to Present

Expert Witness & Consultant

 

Employed regarding financial, business, real estate and/or banking by various attorney firms, financial institutions and other clients.
April 1998 to February 2000

Senior Vice President, Preferred Bank

Los Angeles, CA

 

Member of Senior Management involved real estate, business and international loans and deposits business as well as compliance issues and lending matters.

June 1995

to April 1998

First Regional Bank

Century City, CA

 

Involved in real estate, business and international loans and deposits as well as compliance issue and lending matters.

June 1990

to June 1997

Founder & Director, ICBA Mortgage Co.

Arlington, VA

 

Monitored planning, policies, contracts and marketing for this company that provided mortgages for SFR and manufactured housing through over 1000 financial institutions in all 50 states

November 1994

to November 1995

Organizer, Pacific Coast Bankers' Bank (in Organization)

San Francisco, CA

 

Researched, generated and submitted marketing study, business plan, capital plan, loan and operations polices and procedures to the regulators for this proposed correspondent bank owned and operated by independent banks.

April 1983

to October 1994

Founding President, Chief Executive Officer & Director

Marathon National Bank & Bancorp, Los Angeles, CA

 

Started the bank and holding company and had full management responsibilities from 1983 until leaving. Wrote, developed and implemented all loan, operation, compliance, administration, internal audit policies, procedures, documentation and systems. Chairman of Director Loan Committee and member of all other committees.

January 1982

to March 1983

Regional Vice President, The Bank of Orange County

Fountain Valley, CA

 

Member of Senior Management and Loan Committee. Duties included management of operations and lending for the Los Angeles County.

August 1977

to January 1982

Regional Vice President, The Bank of Orange County

Fountain Valley, CA

 

Member of Senior Management and Loan Committee. Duties included management of operations and lending for the Los Angeles County.

June 1967

to August 1977

Bank of America

Los Angeles Area

 

Member of Senior Management and Loan Committee. Duties included management of operations and lending for the Los Angeles County.

 

EDUCATION
  • Certificate, Pacific Coast Banking School, Univ. of Washington, 1982.
  • All training courses related to lending given by Bank of America, 1971-1977.
  • Post-graduate work, University of California, Los Angeles, 1973, 1974.
  • Bachelor of Science, University of California, Los Angeles, 1970.

 

EXPERT WITNESS
  • Over 17+ years of expert witness experience including testimony before government committees and agencies, Federal and State courts.
  • Worked both for defendants and plaintiffs: financial institutions, commercial entities, individuals, State of California and the F.D.I.C.
  • Court approved for business, mortgage, construction, real estate, operations, conversion, fiduciary duties, fraud, lender liability, D/O conduct, L/C, others.

 

PUBLISHED ARTICLES
  • "So that's What Commercial Lending Is!" The Roar Newsletter, Imperial Bank.
  • "Need a Loan....Learn to Think Like a Banker", Marathon National Bank Newsletter.
  • "International Entrepreneurship: A New Growth Area", New Management
  • "Arbitration: A Legal System that Makes Banking Sense", American Arbitration Association Regional Reporter, (co-author).
  • "Arbitration: Working in Banking", American Arbitration Association Regional Reporter, (co-author).

 

SPEECHES
  • "Bankers' First Ten Considerations about Small- to Mid-Sized Business Loans", Presentation to various business and civic organizations.
  • "Ratios and Guidelines: What You Should Expect from Your Banker", Presentation to various business and civic organizations.
  • "Arbitration in Banking", Presentation to various banks and trade organizations
  • "What Makes a Premier Performing Bank," Presentation to various banks.
  • "Debts and Taxes", panelist, So. Cal. Chapter American Academy of Matrimonial Lawyers.
  • Various presentations as a guest lecturer at Pepperdine University and USC.

 

PROFESSIONAL ORGANIZATIONS

  • Chairman and/or member of Real Estate Lending Committee, California Bankers Association (CBA) representing over 300+ California banks, 1993 to 2000.

  • Founder and Past Director of ICBA Mortgage Company, 1990 to 1997.

  • Member, ICBA Task Force: Mortgage Lending and Operations, 1988 to 1989.

  • Director & Past President of California Independent Bankers-ICBA representing over 160+ California financial institutions, 1985 to 2001.

  • Past Director of the Independent Community Bankers Association (ICBA) which represents over 5000+ banks nationwide, 1992 to 1996.

  • Chairman and/or member of ICBA Bank Service Committee, 1986 to 2001.

  • Member, ICBA Task Force: Credit Life Insurance & Reinsurance, 1997 to 1998.

  • Chairman, ICBA Task Force: Title Ins. Operations for the Financial Institutions, 1999 to 2001.

  • Member of California Department of Financial Institutions Implementation Industry Task Force, December 1996 to 1998.

  • Member of the Forensic Consultants Association-Orange County, 1997 to 2001.

 

REFERENCES
  • Available upon request.