J.F. "CHIP" MORROW

 

Financial Institutions, Mortgage, Finance, Business & Real Estate

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

Nationwide Coverage from

San Antonio, Texas

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

 

QUALIFICATIONS
  • 40+ yrs. management experience for financial institutions & businesses.
  • 40+ yrs. Residential, commercial, construction, mortgages, business, and consumer lending.
  • 17+ yrs. President, C.E.O. and/or director of financial & mortgage institutions.
  • 15+ yrs. of leadership in state and national financial institution trade associations.

 

WORK HISTORY

October 1995

to Present

Executive, Consultant, Expert Witness, B & F Experts

San Antonio, TX


Engaged by various financial institutions, businesses, attorney firms, individuals, and other clients regarding financial, business, real estate, mortgage, and/or other matters including mortgage underwriting and servicing. Clients have included Fannie Mae as well as other major originators and servicers.

April 1998
to February 2000

Senior Vice President, Preferred Bank

Los Angeles, CA


As a Member of Senior Management, responsible for real estate construction, mortgage, business and international loans and deposits business as well as compliance issues and lending matters.

June 1995

to April 1998

Consultant, First Regional Bank

Century City, CA

 

Involved in real estate construction, mortgage, business and international loans and deposits as well as compliance issues 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 residential 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 policies and procedures for submission to the various financial institution regulators for this proposed correspondent bank owned/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. Started, managed and oversaw a mortgage company. Underwrote, funded, serviced and sold into the secondary market mortgage loans. Mortgage loan accommodations included construction, mortgage, warehouse lines and table funding. 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. Underwrote, funded and serviced mortgage loans. Mortgage loan accommodations included construction, mortgage, and warehouse lines. Duties included management of operations and lending for the Los Angeles County.

August 1977

to January 1982

Vice President, Imperial Bank

Inglewood, CA

 

Assistant Credit Administrator administered 17-branches, bank-wide loan portfolio including commercial/residential real estate, business, and international loans. Manager-East San Fernando Valley managed $45 million branch. Underwrote, funded and serviced mortgage loans. Mortgage loan accommodations included construction, mortgage and warehouse lines.

June 1967

to August 1977

Assistant Vice President, Bank of America

Los Angeles Area

 

Held various lending, management and operation positions. Underwrote, funded and serviced mortgage loans.

 

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/agencies, Federal, Bankruptcy, IRS and State courts.
  • Worked both for defendants and plaintiffs: financial institutions, commercial entities and individuals including FannieMae, State of California and F.D.I.C.
  • Qualified in court for mortgage, business, construction, real estate lending as well as mortgage underwriting, funding and servicing, escrow and broker duties to a financial institution, secondary market purchasing, mortgage warehouse lending, lender liability, operations, 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).
  • "Basic Characteristics and Life of Residential Mortgage Loans", HGExperts.com.

 

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.
  • Many others.