David Marshall Email & Phone Number

Durant, Oklahoma, United States

Lead a high performance team that is responsible for managing the real estate valuation and environmental risk for a Federal Reserve regulated bank.

Durant, Ok

• Manage the day to day appraisal operations for 80+ community banks in Northern and Central Texas and Oklahoma• Manage Valuation Analysts to ensure appraisals are reasonable and credible.• Develop commercial and residential valuation policies and procedures.• Ensure quality appraisals are delivered efficiently and on time. • Manage appraisal vendors that perform commercial and residential appraisals, evaluations and commercial appraisal reviews that comply with interagency guidelines, FIRREA, and USPAP.• Implemented the rollout of the appraisal management software bank-wide.

Durant, Ok

• Reviewed residential appraisals from Northern Texas and Oklahoma Markets to ensure they comply with company policy, Interagency Guidelines and FIRREA.• Develop residential valuation policies and procedures.• Manage appraisal vendors and AMC. • Train mortgage personnel valuation techniques, policies and procedures.

Greater Denver Area

This was a temporary position to help finish a client project at Stewart Lender Services, Inc. • Reviewed residential appraisals from national markets • Identify and assess any misrepresentations or fraud in property valuation• Provide a written narrative of findings• Assess the accuracy, adequacy, and compliance of appraisals to industry standards, and regulatory requirements• Retrospective appraisal reviews• Resolve and identify any red flags in appraisals• Reconciling multiple pieces of information• Evaluate market data, additional property sales, and apply it to the valuation conclusion• Properties typically have some form of obsolescence.

Greater Denver Area

• Reviewed appraisals of properties from national markets for compliance, accuracy, and adequacy to comply with PNC’s appraisal and lending standards. • Properties types were more complex, ranging from: - luxury homes for jumbo loans, - non-conforming with the neighborhood, - illegal/nonconforming zoning, - highest and best use is not the current use, - odd-ball properties- 1-4 unit properties. • Assisted appraisers with questions and asking for guidance. • Guided appraisers when their appraisal methodology was in question, offering more sound, alternative solutions. • Resolved appraisal issues by research zoning, building permits, contacting city officials, real estate agents, and appraisers. Summarizing my findings and making recommendations to PNC’s collateral reviewers and underwriters.• Audited a sampling of our appraiser’s work, summarized findings to our Chief Appraiser and our Vendor Manager. Conducted conference calls with the appraisers to review audit results, offered recommendations to improve their work to meet PNC’s requirements. • Reconciled two or more appraisals and desk reviews for jumbo loans.

Greater Denver Area

• Resolved code violation issues on our REO client’s properties. • Researched and analyzed and proposed solutions• Communicated with city and county code enforcement personnel, Real Estate Agents, Asset Managers, title curative and closing departments. • Negotiated with municipal code enforcement for the reduction of large finesMany negotiate savings were $10,000s to $100,000s for our clients. • Managed between 80-110 violations at any given time. • Awarded my second Employee of the Month award in two years.

Greater Denver Area

• • Reviewed appraisals and BPOs of properties from national markets to ensure they met client standards.• Prepared a narrative of my findings, identifying any red flags. • Provided neighborhood analyses, market conditions, and subdivisions price statistics.• Verified reports using online maps, satellite photos, public data sources • Reconciled conflicting information.• Investigated zoning/illegal use issues, highest and best use questions• Resolved property issues by calling the city or county planning departments for information• Trained asset assistants, asset managers, portfolio managers in appraisal and BPO review training.

Greater Denver Area

Appraised residential properties for: • FHA and conventional for residential properties loans• Bank owned/foreclosure, loss mitigation properties• Technical field reviews of appraisal reports• Income producing properties (2-4 units)• Properties located in neighborhoods with contaminated ground water from hazardous waste sites• A historic property with complex zoning and septic tank issues• Manufactured (HUD-Code) homes• Properties with hypothetical conditions via plans & specifications• Properties for Reverse Mortgages (following FHA guidelines)• Retrospective appraisals• Appraisals for tax assessment appeals• Appraisals for estate tax purposes• Land appraisals• Other complex properties that included:o Significant structural damageo Faces major roads and highwayso Over-improved for the neighborhoodo Badly worn (poor) conditiono Properties in excellent locations (along a golf course, excellent mountain views, city views)o Properties where their highest and best use was not their current use• Built statistical models using MS Excel’s regression analytical tool with market data to determine market adjustments as well as paired sales analysis, market trends, market rents, gross rent multipliers, and neighborhood statistics. • Trained one registered/licensed appraiser in my office over a period of three years.

Greater Denver Area

• Tasked with the responsibility in taking a new Denver office and growing the staffing business. • Developed sales and marketing plans, hired and trained staff. • Consulted with clients and gathered the technical requirements of positions they needed filled. • Summarized client information and trained recruiters on what type of scientific candidates would be a good match for positions ranging from laboratory technicians to PhD level scientists. • Gave sale presentations to clients on a one-on-one basis as well as giving presentations to multiple client company representatives using MS Power Point presentations. • Worked trade shows and career fairs. • Spoke to large groups of students on university campuses about resume building and scientific career paths.• As a District Manager, in addition to the Denver office, I also managed the offices in Kansas City and opened a brand new office in Salt Lake City. • Required travel to these locations about every other month and weekly conference calls. • Hired, trained, evaluated, disciplined, and when necessary, terminated staff. • Managed a total of eight employees that included recruiters, branch managers and office support staff.• Grew the three offices to a $3M operation. Our clients were companies in the environmental, pharmaceutical, biotechnology, food, material science and oil & gas industries.