Experience

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  Malcolm & Cisneros

  • Irvine, California

  • Senior Attorney

    • 2013 - Present
    • Irvine, California

    The firm represents banks, credit unions, and other lenders pertaining to creditor rights in bankruptcy courts in numerous states. I provide additional client support in the areas of regulatory compliance, loan servicing, litigation, and transactional matters. My duties also include areas such as: real estate purchase/sale, leasing, title issues, construction finance, and loan workout matters.

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  California State University, Chancellor's Office

  • Fullerton, Ca

  • Associate Professor

    • 1985 - Present
    • Fullerton, Ca

    Professor of business and entertainment law for the MBA program and undergraduate studies.

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  National Financial Lending, Inc.

  • Aliso Viejo, CA

  • Corporate Counsel

    • 2011 - 2013
    • Aliso Viejo, CA

    Oversee California real estate securities compliance regarding commercial real estate loan transactions including the sale of fractional note and fund (pool) interests to investors. Prepare and review Offering Circulars, sophisticated loan and investor subscription documents. Thorough understanding of title insurance, commercial code, and loan underwriting. Prepare corporate and employment policies. Experienced in complicated litigation and bankruptcy. Co-counsel on pending California Fourth Appellate District matter pertaining to “stop notice” and “mechanic’s lien” issues.

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  Federal Deposit Insurance Corporation

  • Irvine, CA

  • Counsel

    • 2008 - 2011
    • Irvine, CA

    Provided advice pertaining to federal and state banking laws and regulations (Reg. Z, RESPA, HMDA, Fair Credit, CRA, Deposit Insurance, Dodd-Frank Act, etc.) Responsible for managing litigation associated with corporate assets and employment actions. Drafted, reviewed, and approved legal documents associated with the disposition of real estate “securitizations”. Negotiated and drafted numerous commercial real estate contracts, leases, property management, broker listing, and environmental remediation agreements. Lecturer at FDIC – Washington D.C. Legal Division training seminars pertaining to consumer finance.

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  People’s Choice Home Loan and 123Loan

  • Irvine, CA

  • General Counsel

    • 1996 - 2008
    • Irvine, CA

    Managed all corporate legal matters and consumer finance regulatory compliance including, but not limited to (TILA, ECOA, HMDA, RESPA, state licensing (retail and wholesale), and regulatory audits. I interacted with and all levels of management. Also, negotiated and reviewed capital market/warehouse and investor agreements, advised management on matters ranging from securitizations to providing assistance to the advertising and human resources departments. I also negotiated and drafted software contracts, developed loan forms, and documented general corporate matters.

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  Federal Deposit Insurance Corporation

  • Newport Beach, CA

  • Senior Attorney

    • 1990 - 1995
    • Newport Beach, CA

    Responsible for managing litigation associated with corporate assets and employment actions. Drafted, reviewed, and approved legal documents associated with the disposition of real estate “securitizations”. Negotiated and drafted numerous commercial real estate contracts, leases, property management, broker listing, and environmental remediation agreements.

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  Alvarado, Rus & McClellan

  • Orange, CA

  • Associate Attorney

    • 1989 - 1990
    • Orange, CA

    Duties for this a.v. rated law firm included franchise investment law, entertainment, commercial and business transactional matters. Handled litigation caseload (pleading/law and motion), interviewed clients, negotiated settlements, conducted depositions, and prepared case analysis. I interacted with governmental agencies to achieve client business goals.

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  Pacific Savings Bank

  • Costa Mesa, CA

  • General Counsel

    • 1987 - 1988
    • Costa Mesa, CA

    Responsible for all legal compliance matters pertaining to nationwide commercial (business and real estate secured) lending and “deposit side” operations. I documented complex corporate, real estate, computer and software agreements, and provided advice concerning consumer finance compliance matters.

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  Household Finance Corporation

  • Newport Beach, CA

  • Bank Division Counsel

    • 1982 - 1986
    • Newport Beach, CA

    Negotiated and drafted sophisticated real estate construction and commercial financings. Advised corporate personnel on federal Community Reinvestment Act (CRA) compliance, federal deposit account regulations, consumer finance, and advertising matters. I eliminated unnecessary “red tape” by devising streamlined procedures through which the legal department could better interact with other departments.