JEFF REVELS

704-***-**** w advxe3@r.postjobfree.com

Certified Residential Appraiser/Collateral Risk Analyst

Extensive knowledge of residential real estate appraisal and appraisal review for 1- 4 unit properties, extensive knowledge of USPAP guidelines, Fannie Mae, Freddie Mac and HUD guidelines, knowledge of secondary market collateral guidelines and overlays, advanced proficiency in Microsoft Word, Excel, Power Point and Outlook, Webex, Teams, UCDP, and Property Scan.

PROFESSIONAL EXPERIENCE

Citizens Bank 5/2020-current Collateral Risk Management Appraisal Analyst IIIC

Retail Mortgage: Completed complex reviews underwriting to risk for Agency, Portfolio, Equity, and Construction to Perm lending. Utilized FNMA tools: Collateral Underwriter, Ask Poli, Black Knight – CMS platform, OKTA, and EPIC LOS.

Reviewed appraisal for appropriateness, drafted review write-up and entered into GAAR in CMS - approving or declining the valuation. Provided notes to the loan team in Notepad within LOS, approved valuation in LOS and confirmed Property Appraisal and GAAR were uploaded to GDR.

Leveraged team members and management for high risk scenarios that were considered to be overvaluations through UCDPs with unsupported, unreliable, or unrealistic data provided by the appraiser. Often, appraisals would be moved to DNA status and revision requests would be sent to AMCs for the appraiser to make any/all appropriate revisions necessary to support the opinion of value.

Wells Fargo Bank 4/2014 – 6/2019 Credit Risk REVS-QC Valuation Specialist II

Performed complex reviews on side by side valuations of bank asset properties that were located nationwide to determine accuracy, completeness, appropriateness, reasonableness, and compliance to bank guidelines and USPAP requirements to evaluate the bank’s risk exposure.

Vendors were contacted regarding any appropriate revision requests or client disputes in the process of determining appropriateness.

Used CMS platform, GAAR360, EVElyn, ICMP, Realist and online resources (eg. Realtor.com, Trulia.com, Zillow.com, County tax records) while maintaining SLA and production goals established by upper management.

York County South Carolina Assessor’s Office 3/2013 - 2/2014

Appraiser l

Fieldwork by permit to update parcels with new construction, additions, pools.

Analyzed subdivisions for changes in land values while preparing for 2015 reassessment.

Mass Appraisal work for York Co.

Wells Fargo Bank/Bradford Management Group 5/2010 - 11/2011 Collateral Appraiser

Default Quality Review of BPOs/Appraisals, disputes/variances, analysis and reconciliations.

Preferred Residential Appraisals 11/2004 – 4/2014

Owner/Appraiser

Performed Residential Appraisals for Single Family, Multi-family, Land, Condos and PUDs for FHA, Fannie Mae, Freddie Mac in the Charlotte Metro and surrounding counties including several counties in South Carolina that were just over the state line.

Carolina Residential Appraisals, LLC 2/2003 – 7/2005

Staff Appraiser

Performed Residential Appraisals for Single Family, Multi-family, Land, Condos and PUDs for FHA, Fannie Mae, Freddie Mac in the Charlotte Metro and surrounding counties.

ADDITIONAL EXPERIENCE

NC Real Estate License - Current/Inactive

NC/SC Certified Residential Appraiser Current Licenses

EDUCATION

University of North Carolina at Charlotte BSBA Degree, Finance

AFFILIATIONS

Appraisal Institute

NAA

NCPAC

Carolina Regional Realtors Association (CRRA); Piedmont Regional Association of Realtors (PRAR); Carolinas Multiple Listing Service (CMLS)

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