Summary
Overview
Work History
Education
Skills
Certification
Section name
Timeline
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Kassan Harris

Stow,USA

Summary

Detail-oriented professional with extensive experience in evaluating the real value of residential and commercial properties. Skilled in managing high-priority valuation orders, resolving appraisers' disputes and clients' correction requests, reporting revisions identified in appraisal reviews, and explaining the appraisal process. Specializing in residential, REO, desk/field reviews, commercial, and special purpose valuations, including conservation easement valuations. Proficient in conducting detailed desk reviews of selected appraisal reports for accuracy and consistency. Possessing a deep understanding of USPAP, lender guidelines, and regulations. Effective communicator with strong organizational and interpersonal skills across all business levels.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Senior Review Appraiser

Discover Home Loans
09.2024 - Current
  • Assisted in leading a team with the implementation of a new appraisal department. Coached and trained all new employees, vendors, and internal staff in the appraisal process, DHL procedures, and software. Assisted with the development and revisal of departmental procedures including ROV’s, UDAAP, & UW conditions.
  • Key Contributions:
  • Reviewed all appraisal products to ensure compliance with USPAP, industry & company standards.
  • Managed UDAAP complaints and provided analysis and recommendations from the findings to ensure we stay in compliance.
  • Oversaw escalations from appraisal review specialist on complex appraisals requiring research or a higher-level review.
  • Recommended decline on loan files that were outside of our loan production guide.
  • Streamlined the ROV process by aiding management with updating procedures.

Field Property Claims Adjuster

Allstate
05.2023 - 09.2024
  • Investigates and handle property insurance claims filed by homeowners’ policyholders. Verifies policy coverage; inspects property damage to determine extent of damage, consults and confers with outside experts, including engineers, architects, construction contractors. Within level of authority, negotiates with claimants/third party representatives to settle claims and, upon settlement, issues payout amounts; may assign claims to Independent Adjusters when needed; may review IA reports and estimates.
  • Key Contributions:
  • Investigate and assess damage to property.
  • Determine the cause, scope, damage, and subrogation potential.
  • Analyze information gathered by investigation and report findings and recommendations.
  • Examine claim forms and other records to determine insurance coverage.
  • Negotiate claims settlements and recommend appraisal, mediation, or litigation when settlement cannot be moderated.

QC Escalations Analyst III

PCV Murcor
07.2020 - 08.2022
  • Respond independently to all high-priority valuation orders to ensure prompt and efficient resolution. Examine revised appraisal reports to verify that client requests are appropriately and completely addressed in a manner consistent with Fannie Mae’s Appraiser Independence Requirements and Reg. Z (Truth in Lending) valuation independence requirements.
  • Key Contributions:
  • Demonstrated efficiency and professionalism while dealing with vendors and clients to resolve disputes, correction requests and value appeals.
  • Reviewed and reconciled traditional appraisals as well as bifurcated appraisals, and/or desktop appraisals.
  • Expertly dealt with escalations from senior members of client staff for which a valuation expert with deeper
  • Provided scope and expertise than that of a Level I or II Escalations Analyst as required.
  • Provide subject matter expertise to QC teams related to high value and extraordinarily complex reports and provide guidance on appraiser selection.
  • Rendered exceptional performance and exceeded expectations, receiving positive yearly reviews and bonuses.

Review Appraiser

Old Republic National Title Insurance Company
11.2018 - 07.2020
  • Review and analyze various appraisal products prepared by external appraisers on a national level. Identified and reported changes/corrections throughout the review process. Maintained a panel of authorized appraisers by evaluating and rating their performance. Guided and supported clients by explaining the appraisal process.
  • Key Contributions:
  • Maintained proper checks and balances to confirm valuations comply with federal and state regulations, USPAP, FIRREA, bank policies, and defined guidelines and industry standards.
  • Leveraged key expertise and knowledge while researching and handling value appeals in a professional manner.

Fraud Specialist/Commercial Paid Processor

Huntington Bank
11.2017 - 11.2018
  • Researched, responded to, and resolved alerted debit and credit card transactions with little supervision. Performed research and analysis on each paid loan file to get the loan officer’s permission for collateral release on paid Commercial loans. Assured smooth running of functions by adeptly executing and managing miscellaneous clerical tasks as assigned. Gathered required data to produce detailed documents necessary to release while focusing on assuring accuracy.
  • Key Contributions:
  • Guaranteed proper management of customers’ deposit holds in accordance with applicable regulations, including Reg.CC and the Uniform Commercial Code.
  • Adhered to standard indexing procedures while uploading paid loan authorization to bank’s electronic image system.
  • Successfully processed 100% of paid commercial loans within specified timelines.
  • Managed a wide range of loan-related tasks, including putting claims on collateral, responding to work orders involving collateral, and quoting payoffs.

Appraiser

PAUL O. VAN CUREN & CO
01.2016 - 11.2017
  • Contributed to the preparation of appraisals and conducted in-depth analysis for residential and commercial properties as well as closely examined complex conservation easements, deeds, and title for analysis. Planned, initiated, and completed both external and internal building inspections to gather data for analysis. Proved instrumental in generating detailed reports on specific residential / commercial properties.
  • Key Contributions:
  • Led investigations and analyzed data to accurately value land and improvements and verify title.
  • Utilized excellent communication skills while interviewing owners, contractors, real estate agents, and other professionals to determine building costs and resale values.
  • Leveraged key expertise and industry knowledge while executing appraisals in accordance with federal requirements and USPAP guidelines.

Managing Director

K. HARRIS AND ASSOCIATES LLC
12.2013 - 01.2016
  • Conducted formal appraisals of real property and other consulting reports facilitating the client with decision making. Completed various field property inspections for insurance purposes and property preservation services.
  • Key Contributions:
  • Applied key expertise and knowledge while performing real estate appraisals and insurance appraisals.
  • Gather, verify, and analyze data on residential properties including, but not limited to, measuring structures, physically inspecting the exterior and interior of buildings, photographing property, analysis of market sales, and noting architectural quality and intended use of the property.
  • Planned and conducted insurance inspections to calculate replacement cost of a home to support underwriters to underwrite an insurance policy.

Education

BSBA - Finance Specialization

Chancellor University
08.2010

Skills

  • Comprehensive market analysis
  • Appraisal report evaluation
  • Effective communication

Certification

Certified Residential Appraiser

Section name

Additional experience as Review Appraiser at First American - Cleveland, OH from Jan 2013 to Dec 2013 and as PAS Financial Counselor at Cleveland Clinic - Cleveland, OH from July 2011 to Jan 2013

Timeline

Senior Review Appraiser

Discover Home Loans
09.2024 - Current

Field Property Claims Adjuster

Allstate
05.2023 - 09.2024

QC Escalations Analyst III

PCV Murcor
07.2020 - 08.2022

Review Appraiser

Old Republic National Title Insurance Company
11.2018 - 07.2020

Fraud Specialist/Commercial Paid Processor

Huntington Bank
11.2017 - 11.2018

Appraiser

PAUL O. VAN CUREN & CO
01.2016 - 11.2017

Managing Director

K. HARRIS AND ASSOCIATES LLC
12.2013 - 01.2016

BSBA - Finance Specialization

Chancellor University

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