Elite Litigation Support & Testimony from a Former OCC Deputy Comptroller for Credit Risk and Bank Chief Risk Officer.
When high-stakes commercial or retail lending disputes hinge on industry standards, regulatory compliance, or complex credit administration, you need an expert whose authority is unquestioned.
David D. Gibbons provides objective, ironclad expert testimony and litigation consulting backed by 40 years of elite banking leadership split between the highest levels of federal regulation and private sector risk management.
Core Credit Risk & Underwriting Expertise
We provide comprehensive analysis, detailed expert reports, and authoritative deposition and trial testimony across a wide range of commercial, retail, and systemic credit matters:
- Commercial & Retail Loan Underwriting: Evaluation of credit approval processes, financial analysis, collateral valuation reliance, and loan structuring relative to prevailing safe and sound banking practices.
- Credit Administration & Portfolio Management: Analysis of risk recognition systems, internal loan rating accuracy, concentrations of credit, and credit risk review effectiveness.
- Credit Risk Accounting Matters: Expert assessment of the Allowance for Loan and Lease Losses (ALLL / CECL), non-performing asset classification, Troubled Debt Restructurings (TDRs), and loan impairment evaluations.
- Lender Liability & Borrower Disputes: Independent evaluation of wrongful default declarations, credit line reductions, breach of good faith, and loan administration standard operating procedures.
- Problem Asset Management: Analysis of workout strategies, foreclosure practices, and collateral liquidation protocols relative to regulatory expectations and industry norms.
Why Retain David D. Gibbons & Company?
In the courtroom, an expert witness’s credibility is everything. Mr. Gibbons offers a depth of credit authority that few nationwide can match:
🏛️ Unmatched Regulatory Authority
As the former Deputy Comptroller for Credit Risk at the Office of the Comptroller of the Currency (OCC), Mr. Gibbons chaired the OCC’s National Credit Committee and led the development of core federal banking policies regarding Rating Credit Risk, Loan Portfolio Management, Commercial Real Estate and Construction Lending, and Leveraged Lending. He knows the exact regulatory standards because he helped write them.
💼 C-Suite Private Sector Experience
As the former Chief Risk Officer (CRO) for HSBC North American Holdings and Managing Director overseeing credit risk practices at elite consulting firms like Alvarez & Marsal and Promontory Financial Group, he has built, audited, and remediated credit systems for institutions ranging from community banks to systemically important global financial entities.
⚖️ Proven Courtroom Track Record
Mr. Gibbons has successfully filed expert reports, been deposed, and testified in federal, district, and state courts nationwide, including the U.S. District Court for the Eastern District of Louisiana, the Southern District of Florida, and the Delaware Court of Chancery.
Representative Credit & Underwriting Matters Handled
- Loan Underwriting and Administration: Served as testifying expert regarding loan underwriting practices relative to industry standards and alleged wrongful loan defaults.
- Wrongful Credit Line Reductions: Provided expert analysis and reports evaluating bank decisions to reduce credit lines based on a client’s “safety and soundness” and “creditworthiness.”
- Complex Credit Valuation & Impairment: Evaluated loan transactions for economic substance, asset-based lending standards, and regulatory loss recognition frameworks.
Retain an Authoritative Credit Risk Expert
Legal teams require swift, thorough conflict checks and immediate access to definitive industry insights. Contact David D. Gibbons & Company today to discuss your upcoming matter.
Request a Conflict Check & Consultation
- Phone: (847) 707-4279
- Email: info@daviddgibbons.com
- Location: Serving Law Firms & Financial Institutions Nationwide