As Chief Executive Officer of the Appraisal Institute, the nation’s largest organization of professional real estate appraisers, Ross led the 18,000 member association since November 1997. During his tenure, the Appraisal Institute has initiated activities such as:

• Development of national commercial and residential databases,
• Redesign of the entire 25+ course designation curriculum program resulting in better market positioning and improved course development processes…and more profit from educational programs.
• Challenging members to consider diversifying services and/or client bases with such innovative concepts as e-appraiser.net, the Center for Advanced Property Economics, AVM and statistically derived market analysis products, etc.
• Establishing alliances with other professional real estate organizations, and
• Forming partnerships with businesses — on Wall Street and on Main Street.

Before working for the Appraisal Institute, Ross gained extensive business and association management experience. For seven years, he was the Executive Vice President of the American Society of Farm Managers and Rural Appraisers (ASFMRA). From 1995 through 1997, he also served as the Executive Vice President of the American Society of Agricultural Consultants, which was managed under contract with the ASFMRA, and restored the association to liquidity while refocusing its organizational priorities and activities.

Prior to that, Ross managed a state association for cattlemen in California and served as a lobbyist for the National Cattlemen’s Association in Washington, D.C. He is active in the American Society of Association Executives and the Association Forum. Ross is an accomplished public speaker and has published many articles on association management and related topics.

Mr. Allen's career in real estate and mortgage banking has spanned over 25 years and includes Title Insurance, Appraisal, Underwriting, Marketing, Affordable Housing and product development. He is an educator and instructor, having taught and developed courses in Appraisal, Underwriting, Banking Regulations, Fraud and Real Estate. He is a Certified General Appraiser and USPAP Certified Instructor with the AQB. He has played a leading role in the development of automation techniques as they apply to the valuation process within mortgage banking. He is currently responsible for managing collateral risk and valuation processes as Chief Appraiser for Option One Mortgage Corporation.

With a focus on the integration of new technology with business policies and applications, he has been instrumental in the development and implementation of Automated Valuation Models (AVMs) for the mortgage process. He has been a pioneer in the deployment and understanding of AVMs in the collateral valuation function, which included the acceptance and adoption by major institutions, investors, secondary market, and Wall Street.

Most recent activities include the development of the first Collateral Risk Scoring system that merges credit criteria with collateral risk. This process provides an analysis on each individual loan to determine the best course of action and the corresponding risk parameters. It also reduces costs to the borrower, saves loan production time, and eliminates a considerable amount of fraud potential while making decisions in a more consistent manner.

Lewis J. Allen
President, Lewis Allen and Associates
232 Bathurst Rd.
Riverside, CA 92506
(951) 780-5737
ljmallen@aol.com

For over 25 years, Mr. Bradford has been extensively involved with computer-aided analysis and information processing. Today, his focus is on developing new technologies and solutions that will significantly increase the quality and efficiency of the valuation process. Mr. Bradford is also heavily involved in bringing open standards to the appraisal industry and is co-chair of the MISMO Appraisal and Property XML standards workgroup.

Before founding Bradford Technologies, Mr. Bradford worked for companies such as Apple Computer and Structural Dynamics Research where he specialized in computer-aided engineering.

Mr. Bradford earned his MBA at Santa Clara University where he also earned a master’s degree in computer science. Additionally, he holds a third master’s degree in engineering mechanics from the University of Texas at Austin.

Ralph Burnham has been practicing law since 1991 and is a partner with the Cincinnati law firm of Montgomery, Rennie & Jonson.  Mr. Burnham is licensed in Ohio, Kentucky, and Texas.  He represents real estate appraisers in lawsuits and in disciplinary matters before the Ohio Appraisal Board. 

Ms Cooke is a graduate of Southwestern University School of Law and was     
admitted to practice law in 1986. Prior to attending Southwestern Ms Cooke graduated Cum Laude in 1983 from Hofstra University in Hempstead NY, majoring in Social Science and Pre-law.

Ms Cooke has been practicing in the area of real estate and business litigation for over 20 years, specializing in the representation of agents, brokerages and real estate appraisers. Ms Cooke specializes in professional liability litigation practice.

In her practice, Ms Cooke has experienced and litigated many real estate trends and issues, including those involving appraisers and the savings and loan crisis in the 80's and downturn in the early 90's, to many construction defect and warranty related issues.

Prior to joining Manning & Marder Ms Cooke ran the Strategic Defense Program for the California Association of REALTORS®.

Ms Cooke has been approved as an independent claims administrator by the US Bankruptcy Court.. Ms Cooke has also served as a judge pro tem for the Los Angeles Superior Court for 10 years.

Pamela S. Cooke
Manning & Marder, Kass, Ellrod, Ramirez
801 S. Figueroa St. 15th Fl
Los Angeles, CA 90017
213-624-6900 Phone
213-624-6999 Fax

Rick Davis is the Collateral Assessment Manager for the Consumer Finance Division of U.S. Bank in Cincinnati, Ohio. U.S. Bank is the 6th largest Bank in the Nation. The Consumer Finance division has over $11 Billion in receivables and is the 15th largest Consumer Finance Lender in the Nation.

Rick’s established valuation guidelines and is responsible for maintaining a dynamic collateral review process, ensuring that proper government and regulatory process are in place, management of 3rd party vendors and performing collateral risk assessments. In addition, Rick oversees the national appraisal review training for management, sales and underwriting.

He graduated from the University of Cincinnati with a Bachelor’s of Business Administration majoring in Real Estate and Accounting. He currently holds a Certified Residential Appraiser’s license and is a member of the Appraisal Institute. Rick has been in the real estate industry for 12 years.

Prior to being hired as the Executive Director of the Kentucky Real Estate Appraisers Board on September 1, 2003, Larry was employed by the Board as Chief Investigator of real estate appraiser complaints from July 1, 1999 through August 30, 2003. He has been a practicing real property appraiser since 1977, and since 1982 he has taught qualifying education and continuing education courses for real estate licensees and real property appraisers in Kentucky and throughout the United States.

Larry developed, and regularly instructs, a continuing education seminar titled “Real Estate Fraud and Flipping” that has proven very popular with appraiser regulatory agencies, real estate brokers, sales agents, and lenders. The seminar focus keys on the current problems of fraud proliferation and gross negligence allegations lodged against real property appraisers and real estate agents throughout the United States.

Engaged in the Real Estate industry for 30 years as a broker, property manager, consultant and real property appraiser.
The last 20 years spent as an appraiser full time.
Past director of NAIFA having served two terms and as a national officer.
Former President of the Illinois Coalition of Appraisal Professionals- a consortium of foundation organizations in IL intended to influence legislation pertaining to appraisers.
Former President of NAIFA Chicago Metro combined chapters
An early AQB certified instructor
Nationally certified instructor for NAIFA. 2006 NAIFA Instructor of the Year.
Former panel manager and quality control manager for HUD’s AQA program via the REAC.
Currently Chief Appraiser for Valuation Quality Assurance for Indymac Bank, America’s 9th largest mortgage lender.
Author of numerous articles on appraising for a variety of publications.

Robert L. Frazier is chief appraiser and director of special projects for First American CoreLogic™, America’s largest provider of advanced property and ownership information, analytics and services. He is responsible for solution-based processes, analytics and product development.

Prior to First American CoreLogic™, Frazier served as chief appraiser at Chesapeake Appraisal and Settlement Services, Inc., a division of Citigroup, where he oversaw quality control and review standards for appraisal products and developed non-traditional valuation products.

Frazier is a Certified General Appraiser in Maryland, Virginia, and Washington, D.C., and has been licensed as a real estate broker since 1975. An instructor in real estate, appraisal and mortgage finance since 1979, Frazier was named Faculty Fellow of the Mortgage Bankers Association of America in 1994.

Frazier holds the SRA designation as a member of the Appraisal Institute, and the MRICS from the Royal Institution of Chartered Surveyors (RICS), and has a wide range of experience in residential, commercial, and industrial property markets.

Current:  Senior Review Appraiser for Morgan Stanley Valuations.  Responsibilities includes appraisal review of Scratch & Dent, Conduit, Prime, Subprime, Alt-A and Warehouse lines throughout the US.

Previous 19 years: 

Collateral Services Manager (CSM) for Washington Mutual Bank - Managed a staff of 10 with approximately 16,000 collateral services per year.  Territory included the West Coast of Florida and the Pan Handle (approximately 26 counties).  Responsibilities included:  Management of collateral approval, production staff, approval of vendors and appraisal review. 

Independent Contractor Appraiser. 

Aames Home Loan Team Leader/Staff Appraiser. 

Savings of America Staff Appraiser.

William (Bill) King is a certified residential real estate appraiser, licensed real estate broker, and instructor of real estate and appraisal courses and seminars. Bill entered the real estate field in 1979 and was licensed as a real estate salesperson in residential sales. In 1982 he began performing appraisal services. Through the 1980's he focused primarily on retail and office leasing. In 1992 Bill established William King & Associates, Real Estate Appraisal & Consulting, with offices in Federal Way.

William King and Associates
34618 11th Pl S, Suite 200
Federal Way, WA 98003
(253) 838-0999 - Fax (253) 925-5080
billking@valueone.com
www.valueone.com

Rick Langdon is the National Appraisal Field Operation Manager for Wachovia Mortgage/Legacy World Savings, located in San Antonio, Texas. In October of 2006, World Savings/Golden West Financial Corp. underwent a merger with Wachovia Bank, the nation’s 4th largest bank. Rick has spent the last 25 years with the bank, beginning as a staff appraiser, and is now responsible for production, service, appraisal quality, training, and policies and procedures.

Under Rick’s guidance, Wachovia currently provides licensing and continuing education training for appraisers in 30 states throughout the country.  He has trained thousands of appraisers nationwide when he was the World Savings National Appraisal Training Manager and has been instrumental in the development of many innovative educational courses.

Elaine Matternas brings almost 40 years of diverse business experience to her job as General Manager  of Intercorp.  Trained and educated initially as a journalist and communicator, she became involved in the insurance industry in 1980, first in an administrative capacity, handling office management, licensing and compliance, and later marketing.

At Intercorp, she has been instrumental in the development of its Errors & Omissions insurance program for Real Estate Appraisers since the program’s inception in1993, shortly after the establishment of certification laws in the various states.  She oversees underwriting, coordinates claims services, writes loss control articles, and has taught courses on loss prevention for appraisers.

She also handles marketing for all of Intercorp’s programs, which center on professional liability, environmental liability, and alternative funding programs.

She has strong ties to the Washington association community, having served as Editor & Publisher of Association Management magazine, published by the American Society of Association Executives.  Her tenure at ASAE also included the establishment of a quarterly magazine, Leadership, for volunteer leaders of associations.

Newspaper reporting in Champaign-Urbana, Illinois, and Indianapolis followed her graduation from the University of Illinois with a Bachelor of Science degree in Communications.  She has since completed more than half of the requirements for an MBA at American University in Washington, D.C.

She has taught various writing and communications courses in the association community, as well as through a seminar program at George Washington University. 

Federal Bureau of Investigation (FBI) – Three years with the FBI working mostly white collar crime primarily Public Corruption, Bank Fraud, and Identity Theft. Case Agent on the “Operation Malicious Mortgage” case for the San Diego Division. Before joining the FBI, worked as a CPA for PricewaterhouseCoopers and received a Masters in Accounting from University of Wisconsin at Madison.

Jim is the Senior Vice President and Chief Appraiser for Aurora Loan Services, A Lehman Brothers Company. This position includes oversight of the appraisal review staff and appraisal policy development and maintenance. Other activities include:

• Member of the Appraisal Standards Council of the Appraisal Institute
• 2006 Chair of The Appraisal Foundation’s Industry Advisory Council

January 2000 - October 2003 – Jim was the Director of Research and Technical Issues for The Appraisal Foundation. He was the senior staff liaison with federal and state regulatory agencies and managed the functions of the Appraisal Standards Board, Appraiser Qualifications Board, The Appraisal Foundation Advisory Council (TAFAC) and the Industry Advisory Council (IAC).

1997-1999 PMI Mortgage Ins. Co. - Senior Real Estate Analyst

1992 – 1997 Chevy Chase Bank - Senior Review Appraiser and manager of the Residential Appraisal Dept.

He is licensed as a Certified General Appraiser and received his SRA designation from the Appraisal Institute in 1989.

David L. Phillips, SRA is a designated member of the Appraisal Institute and has been active in the appraisal business since 1983.  He has a General Appraisal Certification in both Missouri and Illinois and is one of the Principals of Real Estate Analysts Limited in St. Louis, MO.

His professional experience includes performing valuation assignments in Missouri, Kansas, Illinois, New Mexico, and Colorado.  His experience also includes a period in which he was an appraisal auditor (quality control) for the largest home lender in the country. 

Mr. Phillips has appraised a wide variety of property types and was lead appraiser in the appraisal of 300 residential properties in the Village of Valmeyer, Illinois, following the flood of 1993.

Other distinctions include his membership on the St. Louis County Board of Equalization, and his the authorship of “Appraising Disasters: When the Levee Breaks” in the January, 2004, issue of Working RE magazine and the ebook Guide to Single Family Residential Inspections.    

Mr. Phillips and his wife have two sons and currently live in suburban St. Louis.

Real Estate Analysts Limited
10910 Manchester Road, Suite 200
St. Louis, MO 63122-1242
(314) 965-1171- Fax (314) 965-2622
dphillips@reanalysts.net
www.reanalysts.net

Kirk Pruitt is the CEO/Founder of Appraisal Matrix, LLC that has developed digital security software for appraisers. The Appraisal Matrix, LLC mission is to secure and maintain the integrity and authenticity of appraisals, while preventing appraiser identity theft and mortgage fraud that could expose Lending Institutions, Appraisers, and the U.S. Government from financial loss.

Mr. Pruitt is also a California Certified Appraiser and Chief Appraiser with Digital Appraisal Network in Irvine, California, where he has been practicing Real Estate Appraisal for the last 10 years. He is responsible for guiding the strategic direction of the company, business development, and trainee mentoring with a focus on integrity, reliability, & accuracy.

Carlton H. Segars, Jr., GRI, DREI, is the CEO and founder of FYI Seminars, a company that develops and delivers real estate education courses. He is both an appraisal instructor and an AQB-certified USPAP instructor. In addition, he is an adjunct faculty member at Midlands Technical College teaching all of the pre-license and continuing education appraisal classes as well as the home inspection pre-license classes.

Carlton is a certified residential appraiser (and CEO) at Segars & Associates, a full-service residential appraisal firm he founded more than 25 years ago. He is also currently serving his second, full term on the South Carolina Appraisers Board.

Another significant achievement is the fact that Carlton is one of only 110 Distinguished Real Estate Instructors (DREI) in the United States. At the DREI presentation ceremony, Review Committee members commented that Carlton “…brings excellent group exercises, topic delivery, and visual demonstrations to the classroom.” It was also noted that “…he knows his material and works very hard to make sure his students understand what is being presented.” His good sense of humor, engaging personality, and ability to handle questions well were also spotlighted. 

Nick has been involved in the real estate/finance industry since 1972.  His education includes a Bachelor's of Finance from Indiana University, a Masters of Business Administration from Arizona State University and a Doctorate of Jurisprudence from Indiana University - Indianapolis.   His back ground includes leasing and management with a Chicago-based, regional, shopping center owner; mortgage banking (origination, underwriting, secondary marketing & management), title company (co-owner); property management, real estate development (residential condominiums); investment, consulting and appraising (residential, commercial, easements and diminutive damages).

George Vann, SRA is Chief Appraiser of LSI, a Fidelity National Information Services Company, (NYSE: FIS).  LSI is one of the nation’s largest providers of collateral assessment services.  In this role, he provides leadership in development of policies for appraisal guidelines, assuring compliance with the Uniform Standards of Professional Appraisal Practice (USPAP) and advises the Quality Assurance Team that reviews traditional appraisal services for compliance with USPAP, federal agency, and client requirements. 

Mr. Vann is a member of the Pittsburgh Metro Chapter of the Appraisal Institute, and recently served on the Client Advisory Board to the Strategic Planning Committee of the Appraisal Institute.  Mr. Vann serves Fidelity National Information Services as the corporation’s representative to the Appraisal Foundation’s Industry Advisory Council, which provides advice and consultation to the Appraisal Standards Board and the Appraisal Qualifications Board.  He also serves as Co-chairman of the Appraisal Issues Subcommittee to the Title/Appraisal Vendor Management Association (TAVMA).

Over 6,000 appraisers, and many client appraisal departments, receive Mr. Vann’s Vanntage Pointsm, (www.vanntagepoint.com) an on-line newsletter which is devoted to keeping LSI appraisers abreast of regulatory changes, business trends, and promoting better appraisal practices.  He conducts national seminars for LSI appraisers known as the “LSI Quality Road Show”, wherein he lectures and conducts geographically customized and focused training on topical issues such as measuring declining markets, appraisal fraud, and documenting appraisal work files.  Mr. Vann is also an occasional contributor to the Appraisal Buzz newsletter, read by over 30,000 appraisers and industry participants.