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.

Marianne Angarola joined Solidifi with more than 20 years of experience in traditional and automated collateral valuations and risk management strategies. In this position Marianne is delivering Solidifi’s innovative web-based appraisal and risk management platform to US lenders seeking a flexible transparent solution that is compliant with current and proposed regulatory guidelines.

Prior to joining Solidifi, Angarola held leadership positions at Advanced Field Services – a division of EagleEye Analytics, Valocity, AMCO, LSI, MRAC and First American RES. In all of these roles she has been effective as a change agent to outdated collateral risk processes.

A frequent presenter at industry events, Marianne is also a published author of valuation articles in multiple trade publications and participated in the agenda development and continuing education curriculum at multiple Valuation Expo conferences.

Richard has served several roles for Morgan Stanley and Saxon Mortgage Services over the last four years. Currently, he is co-leading the development and implementation of a collateral management/BPO platform for Saxon Mortgage Services known as Quandis. Prior to this role, he has managed the Conduit Valuation operations as well as the design and implementation of a web-based collateral valuation review system known as MARS that crossed all business lines within Morgan Stanley. Richard has developed and managed valuation staff throughout the US and Eastern Europe.

Richard’s key responsibilities have been valuation system development, oversight of Conduit collateral acquisitions, policy and procedure establishment, implementation of best practices and the training and development of valuation staff.

During his 23 years in the valuation industry, Richard has been the Principle owner of a fee appraisal firm, a Regional Valuation Manager for Washington Mutual, a National Valuation Manager for Wachovia Bank and has performed various duties for Saxon Mortgage Services/Morgan Stanley including Valuation Due Diligence Manager for Subprime, Alt-A and Prime acquisitions. Richard has also served on numerous committees for the Appraisal Institute.

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 for Associate Members pursuing the SRA Designation. 
Appraisal Institute’s representative to the Mortgage Industry Standards Maintenance Organization (MISMO).
Appraisal Institute Technology Representative.Chair of MISMO's Valuation Services/Real Estate Property Information (REPI) Workgroup.
XML Data Advisor for the Employee Relocation Council (ERC(R)).  

Served on the Appraisal Institute Residential Demonstration Report Committee as a report grader.

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.

Don Kelly has 28 years of experience in the Washington, DC area encompassing communications, government, finance, and real estate. For 22 years, he served the real estate appraisal and home finance com­munities initially as Legislative Counsel for the Society of Real Estate Appraisers. He served as Chief External Relations Officer for the Appraisal Institute, the world’s largest appraisal organization, and served as Chief Communications Officer for Zaio Inc., a technology and national appraisal services company.

In addition to his Capitol Hill service as Staff Counsel for the U.S. House of Representatives Ethics Committee and Counsel for the House Banking and Urban Affairs Oversight Subcommittee, Don has extensive experience with national media and news organizations. He has an in-depth knowledge of the workings of Con­gress as well as federal regulatory and banking related agencies.

Don is a frequent author, panelist and contributor on industry panels and a member of the Board of the Bollinger Foundation, a non-profit foundation dedicated to helping families in need with educational grants and housing related assistance. Don has a Bachelor of Arts and a Law Degree from the University of Florida. Don is a member of the Florida Bar and the District of Columbia Bar Association.

Contact Don Kelly at: kellygroup@gmail.com

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, which grew from serving the Buffalo, N.Y. area to providing services throughout the United States. As a complement to his real estate appraisal company, Mr. Kirchmeyer also founded Real Info, Inc.  in 1995. Real Info, Inc. became a real estate valuation and data company specializing in automated valuation models (AVMs) with Internet access and Automated Valuation Solutions to lenders.

In July 2007, Zaio Corporation acquired Kirchmeyer & Associates and Real Info, Inc. which operate as divisions of the company. Mr. Kirchmeyer then joined Zaio as Chief Marketing Officer. In August 2008, Mr. Kirchmeyer was appointed President and serves as a member of the Board of Directors.

Mr. Kirchmeyer is the author of AVMs 101: A Guide to Automated Valuation Models and AVMs 201: A Practical Guide to the Implementation of Automated Valuation Models.

He is a member of: 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 and a board member
for REIPA.

Mr. Kirchmeyer has been a featured speaker for: Federal Financial Institutions Examination Council, Mortgage Bankers Association of America, Federal Deposit Insurance Corporation, Association of Professional Mortgage Women, United Stated Housing and Urban Development, Appraisal Institute, Society of Real Estate Appraisers and the American Guild
of Appraisers.

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.

Mark is a Vice President and the Chief Appraiser of Troy, Michigan, based Flagstar Bank.  Flagstar is the largest publicly held savings bank headquartered in the Midwest, with over 170 banking centers in Michigan, Indiana, and Georgia, along with home lending centers across the US.  Today, Flagstar is one of the top 5 FHA and top 10 wholesale lenders in the Country, with assets in excess of $14 billion.

Mark has been in the banking/real estate industry for 30 years.  He started his appraisal career in 1986 as an appraisal apprentice with First Appraisal Services Corporation in Ft. Myers, Florida, and has worked as an independent fee appraiser, was a staff appraiser with Glendale Federal and Charter One Banks, and the proprietor of his own appraisal shop.
 
Since joining Flagstar Bank in December of 2005, Mark has been responsible for overseeing Flagstar’s Appraisal Review Department with a staff of ten associates, and one of the largest fee appraiser panels in the industry.  He also works closely with numerous 3rd party vendors, as well as consults with a variety of Flagstar business units in valuation technology, quality control, fraud detection, and underwriting.

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.

John W. Ross is an Independent Consultant working with real estate associations and firms on leadership, market development and policy issues. He is also Senior Advisor to RICS Americas, the affiliate for the Americas of the Royal Institution of Chartered Surveyors, the United Kingdom based global property professional society.

As Chief Executive Officer of the Appraisal Institute, the nation’s largest organization of professional real estate appraisers, Ross led the over 20,000 member association from 1997 until February 2007. During his tenure at the Appraisal Institute, he was noted for the innovative approach to valuation profession issues, and for his leadership in turning around a difficult financial situation at the organization.

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. 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.