Steven S. Albert, MAI, SRA is the Executive Vice President of Allstate Appraisal, L.P., a 49-year old, Chicago-based national Appraisal Management Company.  Allstate Appraisal, L.P. provides valuation, appraisal review, and alternate valuation services nationally, and Steve heads Allstate's quality assurance and investigative review division.  As a long-standing valuation and review services firm, Allstate Appraisal, L.P., works with a diverse client-base that includes lending institutions, insurance companies, law firms, investment banks, GSE's, municipal entities, bank boards, hedge funds and REIT's.   This client base has resulted in Allstate's exposure to a very wide variety of valuation, review and consulting work nationally, and appraisers working with Allstate have the opportunity to gain experience with a challenging and diverse list of assignment types.
                                                       
As a Member of The Appraisal Institute holding both the MAI and the SRA designations, Steve has been active is various Appraisal Institute Roles, including the National Ethics and Counseling Committee, the National Experience Review Committee, and the Chicago Chapter Public Relations Committee.  Allstate Appraisal, L.P. is also a member of the Appraisal Foundation's  Industry Advisory Council.

Steve is a graduate of Southern Illinois University in Carbondale, IL, and resides in Burr Ridge, IL with his wife and three children.

John is the Director of Research and Technical Issues for The Appraisal Foundation. In this capacity, John serves as the Foundation’s senior staff contact regarding the work of the Appraisal Standards Board (ASB) and Appraiser Qualifications Board (AQB), as well as the Foundation’s four councils: The Appraisal Foundation Advisory Council (TAFAC), the Industry Advisory Council (IAC), the Education Council of Appraisal Foundation Sponsors (ECAFS), and the International Valuation Council (IVC). John is also responsible for managing the Foundation’s Boards and Advisory Council support staff.

Prior to his current position, John spent 8½ years as the Chief of Licensing and Enforcement for the California Office of Real Estate Appraisers (OREA). In that role, John administered the largest real estate appraiser licensing program in the United States, issuing licenses to applicants deemed to have met both federal and state requirements. John was also responsible for California’s enforcement program; educating and/or disciplining licensees who violated law, regulations or USPAP. John worked with local, state, and federal law enforcement agencies regarding cases involving fraud.

John has been in the appraisal profession for over 25 years. Prior to joining OREA in February 1995, he appraised both residential and non-residential real estate, covering a wide variety of property types. He also previously managed an appraisal department for a major national financial institution. John is a Certified General appraiser and an AQB Certified USPAP Instructor, and holds a Bachelor’s degree in Business Administration from California State University, Long Beach.

He was recently appointed to the Appraisal Institute’s newly formed Mentoring & Apprenticeship Project Team.
Other activities include:
Appraisal Institute Residential Experience Review Screener.
Appraisal Institute’s representative to the Mortgage Industry Standards Maintenance Organization (MISMO).
Chair of MISMO's Valuation Services/Real Estate Property Information (REPI) Workgroup.
XML Data Advisor for the Employee Relocation Council (ERC(R)).

Steve Conlin is a Senior Vice President and Manager for Valuation Risk Assessment and Standards at HomeFocus Valuation Service, LLC, a wholly owned subsidiary of Bank of America. HFVS provides automated and traditional valuation services to support the Consumer Real Estate Group of the bank. As risk manager, Steve is responsible for the effectiveness of automated products and ensures Bank of America’s appraisal quality meets industry and regulatory standards and complies with all federal, state, and secondary market requirements.

Steve has more than 35 years of residential and commercial appraisal experience. Previously, he held the position of Chief Appraiser for both Wells Fargo Bank and Bank of America.

Brad Davis is the Vice President and Manager for Morgan Stanley Valuations. Responsibilities include oversight of the subprime, prime, Alt-A, scratch and dent, warehouse line, and conduit platform valuation processes. Brad’s current team is made up of ten valuation employees across the country, of which nine are either certified or certified general appraisers. His team is responsible for the valuation due diligence all residential assets purchased by the firm each year.

Brad has been with Morgan Stanley for 3 ½ years in his current role and has been in the industry for 24years. Prior to Morgan Stanley, he was the Chief Appraiser for GE Mortgage Services and GE Mortgage Insurance. While there, he was responsible for all aspects of Appraisal Valuation Policies, Procedures, Review, REO Valuations, and Internal/External Appraisal Training. Other responsibilities included Risk Manager, Contract Compliance Manager, and Recourse Administration Manager for GE Mortgage Corporation and GE Mortgage Insurance. Prior to this, Brad was with American Savings/Washington Mutual for 16 years in various management rolls including Regional Appraisal Manager for the Northeast, Midwest, and Southwest appraisal regions. 

Brad is a member of Appraisal Foundation Industry Advisory Council.

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.

Bill Garber is the Director of Government and External Relations for the Appraisal Institute. Bill started with the Appraisal Institute in 2000, and worked at AI until September of last year. After serving a VP for Policy and Government Relations for the International Sleep Products Association for six months, Bill returned to the Appraisal Institute in February 2008 to manage the AI Washington office.

Bill has expertise in a range of real estate issues, including residential and commercial valuation, economic development and land use, and conservation and historic preservation issues.  He serves as the liaison to the Appraisal Institute’ Government Relations Committee and the AI Client Advisory Board, as well as the Treasurer of the Appraisal Institute Political Action Committee.

Bill has a B.S. degree from Oregon State University, and is currently seeking a Master’s Degree in Public Administration from Walden University.

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

Mr. Kirchmeyer began his career in the Real Estate Valuation Industry in 1983 as a New York State Certified Appraiser, earning the Senior Residential Appraiser (SRA) designation from the Appraisal Institute.

In 1994, Mr. Kirchmeyer founded his own Real Estate Appraisal Company, Kirchmeyer & Associates, Inc. (www.kirchmeyer.com).  It has grown from servicing the Buffalo, New York area to include offices in Rochester NY, Syracuse NY and Baltimore MD. Today, Kirchmeyer & Associates, Inc. provides their services throughout the entire United States.

As a compliment to his Real Estate Appraisal Company, Mr. Kirchmeyer founded Real Info, Inc. (www.real-info.com) in 1995.  Real Info, Inc. is a real estate valuation and data company specializing in Automated Valuation Models (AVM’s).  This company provides Internet access to the most comprehensive database of real property, including tax and structural information for both residential and commercial properties.  As well as providing Automated Valuation Solutions to lenders.

Real Info includes over 94 million properties within its database.  He has written four proprietary AVMs that include the Q-Val™ Report, the i-Val™ Report, the realAssessment™ Report and the realTrend™ Report.  Teamed with Kirchmeyer & Associates, Inc., Mr. Kirchmeyer offers a “Total Valuation Solution”SM to his customers nationwide.  KA can provide assessed values, AVMs, desktop appraisals, BPOs, drive-by appraisals, all the way through to a full URAR appraisal.  KA receives the appraisal request when an AVM produces a “No Hit” or the AVM is upgraded.

In July 2007 Zaio Corporation acquired Kirchmeyer & Associates and Real Info. Inc.

Other Accomplishments:

• Greater Buffalo Association of Realtors
• Rochester Board of Realtors
• Niagara County Board of Realtors
• Niagara County Assessors Association
• Jamestown Board of Realtors
• Mortgage Bankers Association of Western New York
• Western New York Association of Mortgage Brokers
• Buffalo Association of Professional Mortgage Women
• Real Estate Information Professionals Association (REIPA)
• New York State Society of Real Estate Appraisers
• Founding member and Chairman of the Collateral
• Assessment & Technologies Committee (CATC) under
• Real Estate Information Professionals Association (REIPA)
• Mortgage Bankers Association of America
• Mortgage Banker Credit Association of WNY

• 2nd Vice President, Mortgage Bankers Association of WNY
• Past President, Director and Vice President, Buffalo
• Association of Professional Mortgage Women
• Director and Treasurer, WNY Association of Mortgage Brokers
• Board of Directors, REIPA

• New York State Approved Instructor for all Residential
• Real Estate course actively taught for 8 years
• Expert witness testimony

Speaking Engagements/Seminars & Lectures given to:

• Federal Financial Institutions Examination Council
• Mortgage Bankers Association of America
• Federal Deposit Insurance Corporation
• Association of Professional Mortgage Women
• New York Association of Mortgage Brokers
• Western New York Association of Mortgage Brokers
• United Stated Housing and Urban Development
• Appraisal Institute
• Society of Real Estate Appraisers
• American Guild of Appraisers
• FNC
• International Association of Assessing Officers
• Predictive Methods Conference
• Valuation Conferences, Appraisal Buzz

Publications:
Author of “AVMs:101 A Guide to Automated Valuation Models” 2004

James A. Kirchmeyer, Zaio Inc.
Kirchmeyer Division/Real Info Division
40 Gardenville Parkway, Ste. 100, Buffalo, NY 14224
(716) 558-2800, (800) 771-5246
(716) 558-2811 fax, (716) 583-5353 cell
jkirchmeyer@zaio.com
www.zaio.com, www.kirchmeyer.com, www.real-info.com

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.

Current areas of responsibility at Fannie Mae include collateral policy guidelines, collateral valuation strategy, automated valuation issues and special projects revolving around collateral issues from both a practical and policy perspective.

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.

Donna is Director of the Home Valuation Policy Division within FHA’s Office of Single Family Program Development in HUD’s Washington DC headquarters.  In this capacity, Donna is responsible for leading the headquarters and homeownership center teams in the development of FHA appraisal policy, appraiser reviews and oversight of a rapidly expanding FHA Appraiser Roster of over 42,000 appraisers. 

In her 15 (nonconsecutive) year federal career, Donna was a senior lender for the Small Business Administration (SBA) in Providence, RI and a Senior Financial Analyst for SBA’s Investment Division in Washington DC.   Other positions held at HUD include Management Analyst Team Leader in the Office of Housing Operations and Senior Policy Analyst for the Office of Single Family Asset Management where she oversaw a national REO appraisal review contract and developed FHA REO appraisal policies and procedures.

Prior to moving to Washington, DC, Donna lived and worked in Rhode Island.  She was a Loan Program Manager for commercial real estate and fixed assets for Ocean State Business Development Authority and was the first Director of Small Business Lending for Coastway Credit Union where she created a lending program specializing in SBA-guaranteed and other small business loans.

Donna graduated Magna Cum Laude with a BS in Management from Salve Regina College in Newport, RI and received her MBA from the University of Massachusetts at Amherst.

Lee graduated from the University of Maryland with a BS in Economics and a concentration in Computer Science. Prior to his role with Valuescape, Lee was the CEO of Trice Valuation Services, LLC – the largest appraisal firm in the Mid Atlantic Region providing services in Pennsylvania, Delaware, Maryland, DC, and Virginia. Lee has been active in numerous Appraisal Institute roles – including Chair of the Leadership Development Advisory Council and Chair of the AI Reports project team.

Lee started the Trice appraisal legacy with his sister Joan in 1987. Lee is the member of the “Trice Clan” which count 4 appraisers among 6 siblings. By most accounts – actually mainly his own – Lee is the youngest, smartest, best looking, and humblest member of the family.

Lee resides in Salisbury, Maryland with his wife and two (almost) perfect children. He works in both the East Coast office of Valuescape in Maryland and the Headquarters in Lakewood, Colorado.

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.