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Appraisal Review Workshop

In recent years, the regulatory agencies have shined a spotlight on discriminatory appraisals. To mitigate these risks, your institution should have a thorough appraisal review process in which appraisals are independently assessed to ensure the quality is commensurate with the complexity of the subject property and risk of the transaction, and are free of appraiser bias.

Upcoming
Thursday, June 5th, 2025
10:00 am - 12:30 pm
Presented by Dawn Kincaid
3 CRCM Credits
$450.00 or 4 Tokens

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Compliance
  • Lending Compliance
  • Compliance Officer
  • Loan Operations Manager/Specialist
  • Mortgage Lender
  • Training Manager
  • Trainer

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This session will include breakout rooms where you will get the opportunity to collaborate with peers, as well as our industry expert, Dawn Kincaid. Space is limited to 30 participants for a high-value learning experience, so register today!

Appraisals are a key element of any loan decision as they truly depict the market valuation at the time of the loan. Accepting a discriminatory appraisal would increase your liability under FHA and ECOA, and cause consumer harm by limiting access to credit or increasing the costs of credit for your borrower.

Both safety and soundness examiners and compliance examiners are carefully scrutinizing your appraisal procedures – from policies, to procedures, to independent ordering of appraisals, to appraisal reviews and more. Are your policies and procedures up to date? How will your procedures stack up to the examiners’ expectations?

It is essential that financial institutions employ effective, independent appraisal and evaluation processes within the lending function. Appraisers engaged to conduct appraisals and evaluations should have the knowledge and expertise to perform reviews in accordance with regulatory guidance and sound banking standards.

In this session, we will review a sample residential loan appraisal and identify what you need to look for and what may cause you concern. We will guide you through a sample written policy, procedures, and sample checklists, and discuss how to identify and correct common mistakes made during the review process.

What You'll Learn

  • Understand the appraisal rule and USPAP requirements
  • Learn examiner expectations for your appraisal policy and review process
  • Distinguish when a full appraisal is required versus an evaluation
  • Implement a strong appraisal review process for real estate appraisals
  • Identify potential fair lending issues and bias in appraisals and AVMs
  • Utilize provided tools to thoroughly review a real estate appraisal

Who Should Attend

This informative session is designed for loan officers, loan operations staff, compliance officers, and anyone responsible for ordering and reviewing appraisals at your institution.


Dawn Kincaid

Instructor Bio

Dawn Kincaid began her banking career while attending The Ohio State University. She has 19 years of experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Dawn served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized the implementation of new products and services. Dawn has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits, and exams, and presented for numerous state associations.


Continuing Education Credit Information

Appraisal Review Workshop has been approved for 3 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.