Real Estate and Insurance

Real Estate and Insurance Experts
CV Abstracts

James John Butler; Banking, Financial, and Real Estate Expert	Mr. Butler has almost 20 years experience as a Banking, Financial, and Real Estate Professional. His expertise and experience includes banking and financial operations, transactions, and fiduciary responsibilities; investor relations; pricing negotiations; profitability models; ROA and ROE projections; loan and mortgage reviews; credit analysis; training seminars; refinancing, restructuring, and amortization – strategy workouts; lending and mortgage transactions, including Asset-Based, Commercial Real Estate, Syndications, Mezzanine/Bridge, and C & I; credit investigations; loss mitigation; asset management; credit risk tolerance; loan servicing; default and distressed asset management; REO acquisitions and dispositions; cash flow analytics; profitability models; financial spread software; real estate asset management; dispensation of troubled assets and related loans; credit loan applications and renewals; loan covenant tracking; risk rating; credit reviews; LAN administration; collateral analysis; cash flow analysis; Inmatrix and Symbiant credit-risk management software; due diligence; economic loss; fraudulent activity; mail and wire fraud; and foreclosures. Jim’s Professional Activities include Chartered Risk Analyst; Chartered Financial Economist; and Chartered Financial Analyst, Level III. He is a Member of The Financial Management Association; The Atlas Economic Research Foundation; The John Smith Institute for Economic Development and Research; and is also on the Board of Directors for The University of Illinois at Chicago Alumni Association.

Steven R. Chapski, CPA, CFE, CSM Forensic Economist and Accountant	Mr. Chapski has nearly 20 years in accounting services, including tax services; bankruptcies; economics; financial statements; budgets; forecasts; audit reviews; tax returns (individual, partnership, corporate, and fiduciary); interactions with external auditors; reconcile accounts; business valuations; fraud; embezzlement; age discrimination; fee disputes; employee contracts; asset valuation/recovery; business interruptions; cash-flow projections; gift valuations; intangibles valuation; software audits; wrongful discharge; lost wage valuation; alimony/child support; divorce settlements; retail accounting; receivables analysis; asset valuation/recovery; inventory damages; trust administrations; royalties; and commissions. Steve is a Certified Personal Accountant, a Certified Fraud Examiner, and a Certified Software Manager. He is also a member of the Supplier Forum of International Franchise Association, and has experience as an Internal Revenue Service Special Agent and as a Pinkerton Investigative Services Investigator.

Timothy S. Hefty, CPA, CFE, CFF, DABFA; Economist and Accountant	Mr. Hefty has over 20 years experience involving accounting, economics, and financial issues. Specific expertise includes fraudulent activity; economic damages; business valuations; professional malpractice; mergers and acquisitions; damage calculations; lost profit analysis; insurance claims; marital relations and dissolutions; identification of assets; asset tracing; estate and gift tax planning; succession planning; shareholder and partner disputes; asset diversion; spousal and/or child support; breach of contract; wrongful discharge; trademark infringement; and business interruption/impediment. Tim is a Certified Public Accountant (CPA); a Certified Fraud Examiner (CFE); a Diplomat of the American Board of Forensic Accounting (DABFA); and is Certified in Financial Forensics (CFF). He is a member of The American Institute of Certified Public Accountants; The Ohio Society of Certified Public Accountants; The American College of Forensic Examiners; The Association of Certified Fraud Examiners; and The National Association of Certified Valuation Analysts.

Ronald W. Inman Real Estate Appraiser	Mr. Inman has more than 20 years experience as a real estate appraiser. His experience includes real estate transactions; property devaluations; property inspections; and US Department of HUD compliance regulations. Ron is a Certified Residential Appraiser and a Licensed Real Estate Broker. He is a Designated Realtor for the Metropolitan Indianapolis Board of Realtors and is on the HUD Lender Selection Roster of Appraisers.

Jeffrey P. Oaks; Insurance and Mortgage Expert	Mr. Oaks has almost 15 years experience involving all types of insurance and mortgage transactions. His expertise includes: life, health, disability, and long-term care insurance; mortgage transactions; fiduciary responsibilities; financial insurance products; licensed insurance counselor; suitability and policy language; settlement options and payments; misrepresentations (agent and insured); fraud (agent, insurer, and insured); annuities; Medicare services and supplements; funeral trusts; prescription drug coverage; Home Equity Conversion Mortgages (HECM); and credit and debt counseling. Jeff’s Professional Activities include teaching over 500 public and private education workshops on the Annual Medicare Guide, Budget and Credit Repair, Long Term Care, Living Wills, and Home Equity Conversion Mortgages. He has also donated and volunteered hundreds of hours to assist low income citizens; testified in Lansing, MI in senate committee hearings; and has been recognized on a national level for service to the retired public.

William J. Warfel, PhD, CLU, CPCU Insurance Industry Expert	Dr. Warfel has more than 15 years in the insurance industry. His experience includes insurance losses involving property damage, punitive damage, and personal injury; breach of contract; bad faith; agent/broker liability issues representing policyholders, insurers, and third parties; general liability; homeowners; personal and commercial auto; commercial property; business income; individual life and disability; professional liability; employee dishonesty; workers compensation; financial institution bond; inland marine; and surety bond policies. William has taught Property/Liability Insurance, Heath Insurance, Life Insurance, Introduction to Risk and Insurance, Commercial Liability Insurance, and Insurance Seminars. He has been awarded the Theodore Dreiser Distinguished Research/Creativity Award and the State Farm Foundation Doctoral Dissertation Award. He is a Chartered Life Underwriter, and a Chartered Property Casualty Underwriter. William is a member of the Editorial Board of Standard Publishing’s Risk Management Reports, the Indiana Department of Insurance Agent Licensing Initiative, is the Past President of the Western Risk and Insurance Association, is an Assistant Editor for the CPCU eJournal, and was a panelist at the 2008 American Risk and Insurance Association Annual Meeting.