Bradford J. Houpt
Customers Bank
West Chester,PA
1
Certification
34
years of professional experience
Certified General Real Estate Appraiser and Appraisal Review Officer with more than 30 years of experience in commercial real estate valuation, appraisal review, and collateral risk management. Extensive expertise in complex commercial and industrial properties, healthcare facilities, special-purpose assets, and federally regulated lending. Experienced in USPAP compliance, appraisal review, environmental due diligence, and credit risk assessment most recently for a financial institution with over $20 billion in assets. Licensed in Pennsylvania, New Jersey, Delaware, and New York.
Work History
Assistant Vice President | Appraisal Review Officer
10 Years 7 Months- Reviewed commercial real estate appraisals for regulatory compliance with USPAP, FIRREA, and internal bank policies.
- Evaluated complex and non-complex appraisal reports supporting commercial lending decisions.
- Reviewed Phase I, Phase II and EDR Collateral Screens and Loan Checks environmental assessments for collateral risk.
- Collaborated with lending, credit, and risk management teams to ensure sound collateral valuation.
- Managed and/or aided in appraisal engagement process from ordering through final review.
- Provided valuation guidance on complex and non-complex retail, land-related, commercial, industrial, multifamily, healthcare, and special-purpose properties.
- Helped maintain appraisal quality standards supporting a $20+ billion financial institution.
Senior Appraiser
11 MonthsAppraisal Analyst
3 Years 11 MonthsSenior Analyst
3 Years 4 MonthsSenior Appraiser
7 Years 10 MonthsValuation Consultant
3 Years 11 MonthsStaff Appraiser
2 Years 4 MonthsEducation
Bachelor Of Science - Real Estate
- Completed advanced coursework in:
- USPAP
- Highest & Best Use
- Income Capitalization
- Sales Comparison
- Cost Approach
- Report Writing
- Market Analysis
- Appraisal Review Theory
Skills
Industrial facilities
Office buildings
Retail centers
Multifamily properties
Healthcare facilities
Educational institutions
Manufacturing plants
Warehouses and logistics facilities
Research & development facilities
Transportation terminals
Vacant commercial and industrial land
Mixed-use developments
Residential subdivisions
Public utility properties
Railroad rights-of-way
Conservation easements
Landfills
Single-family residential
Commercial Real Estate Valuation
Appraisal Review
USPAP Compliance
FIRREA Compliance
Credit Risk Management
Environmental Report Review
Collateral Risk Assessment
Market Analysis
Highest & Best Use Analysis
Discounted Cash Flow Analysis
Income Capitalization
Sales Comparison Approach
Cost Approach
Fair Rental Studies
Due Diligence
Comparable Sales Research
Banking Regulations
Accomplishments
- Reviewed more than 150 commercial appraisal reports annually (on average).
- Supported underwriting for a $27B federally regulated financial institution.
- Valued commercial properties ranging from $500,000 to $25,000,000+.
- Completed 1,000+ commercial appraisal assignments over career.
- Specialized in complex valuation assignments involving healthcare, industrial, and special-purpose properties.
Affiliations
- Practicing Affiliate with the Appraisal Institute:
- Completed all upper-level educational requirements.
- Approved for the initial 3,000-hour experience requirement.
- Continuing professional education completed annually.
Certification
- Pennsylvania Certified General Real Estate Appraiser (GA001698-L)
- New Jersey Certified General Real Estate Appraiser (42RG00219300)
- Delaware Certified General Real Estate Appraiser (X1-0000553)
- New York Certified General Real Estate Appraiser (46000052232)
Timeline
Assistant Vice President | Appraisal Review Officer
Customers Bank
2016.01 - 2026.08Read More
Senior Appraiser
Valbridge Property Advisors | Lukens & Wolf
2015.01 - 2015.12Read More
Appraisal Analyst
Bearoff and Company
2011.01 - 2014.12Read More
Senior Analyst
Integra Realty Resources
2007.09 - 2011.01Read More
Senior Appraiser
Coyle, Lynch & Co., Inc.
1999.11 - 2007.09Read More
Valuation Consultant
Valuation Counselors, Inc.
1995.11 - 1999.10Read More
Staff Appraiser
Coyle, Lynch & Co., Inc.
1992.06 - 1994.10Read More
Appraisal Institute
Read More
The Pennsylvania State University
Bachelor Of Science from Real Estate
Read More