Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
Generic

Mary Catherine Scott-Mooney

Hartland,MI

Summary

Seasoned professional with self-directed mindset and extensive experience valuing real estate land, homes and multi-family properties. Highly analytical, organized and detail-oriented with systematic approach. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Skilled at compiling and analyzing field data, updating databases and keep owners notified of changes. Gifted in oral and written communication and possessing detail-oriented, hardworking nature.

Methodical Review Appraiser bringing more than 10+ years of experience dedicated to producing accurate valuations of private homes, condominiums and multi-family properties. Knowledgeable about materials and typical processes for constructing similar buildings. Works well with realtors, developers and property

owners.

Appraiser adept at completing high volume of appraisals quickly and accurately. Motivated to exceed business expectations while delivering highly accurate results. Proven history of streamlining processes for maximized productivity.

Well-organized and diligent appraiser professional with demonstrated success in producing correct property assessment by considering market valuations and area trends. Expertise includes measuring structures and land boundaries, tabulating feature values and evaluating historical records.

Well-organized and diligent Review and field appraising professional with demonstrated success in producing correct property assessment by considering market valuations and area trends. Expertise includes measuring structures and land boundaries, tabulating feature values and evaluating historical records.

Overview

16
16
years of professional experience

Work History

Residential Appraiser

Self-employeed
01.2007 - Current
  • Partnered with various Appraisal Management Companies as a Fee Appraiser
  • (Owner/Appraiser) Specializing in: Retrospective Valuations Complex property Lake Front Property Relocation Appraisals
  • Marital Dissolution Estate Appraisal Appraisal Review
  • Ensured homeowners received fair market value on their properties as fee appraiser
  • Leveraged experience including recent bank reviewing and field experience inspections with appraising waterfront / golf front / condominiums, rent schedules, and multi-family
  • Delivered pre-offer appraisals and pre-construction reviews
  • Executed valuations and solutions that helped lenders, attorneys with deeds / trusts, bail, and homeowners and businesses with their appraisal or valuation needs
  • Created satisfactory completion reports.
  • Inspected new construction sites to establish current values in line with market trends in local metro Detroit region.
  • Improved property database with new maps, inventory data, feature descriptions and relevant exemptions.
  • Researched land, property and market values to complete estimations.
  • Weighed property location, sales trends and estimated replacement costs to accurately value properties.
  • Provided property owners with timely notices detailing assessment findings and tax calculations.
  • Computed final estimation of property values, taking into account depreciation, value comparisons of similar properties and income potential.
  • Completed appraisals on SFR, condominiums, multi-family properties, supporting property transactions or for legal purposes.
  • Inspected new and existing properties and noted distinctive characteristics
  • Remained current on local areas through actively researching and garnering understanding of community values
  • Stayed updated on market trends for local area and similar property types
  • Performed appraisals in line with federal requirements and USPAP guidelines
  • Weighed property location, sales trends and estimated replacement costs to accurately value properties
  • Stayed updated on market trends for local area and similar property types.
  • Performed appraisals in line with federal requirements and USPAP guidelines.

Review Appraiser /Collateral Analyst III - Remote

JPMORGAN CHASE
05.2021 - 12.2022
  • Remote
  • Reviewed collateral submitted by borrower seeking to secure loan, verifying their collateral value and potential to repay loan
  • Manages effective collateral valuation program for all residential real estate lending activity in adherence to all applicable federal and state regulations.
  • Conducts retrospective compliance and technical desk reviews of residential appraisals ensuring adherence with bank guidelines and Uniform Standards of
  • Applied Professional Appraisal Practice (USPAP)
  • Supports general workflow of appraisal department.
  • Job Responsibilities –
  • Determines project scope and engages residential appraisers appropriate for transaction in accordance with internal policy and procedures as well as federal and state regulations.
  • Conducts reviews of appraisals and evaluations upon receipt while documenting findings/deficiencies prior to accepting appraisal/evaluation
  • Communicates directly with appraiser in conjunction with such review on as needed basis
  • Conducts reviews of in-house valuations and validity checks to identify any typos, errors, or lack of documentation prior to accepting report
  • Communicate directly with preparer in conjunction with such review
  • Continues education by attending job related and timely courses/seminars, reading pertinent industry publications, and networking with peers and experts in real estate profession
  • Supports workflow management of Appraisal Department
  • Plans, organizes, and directs system for quality control of appraisal services
  • Ensures that own work is in compliance with all applicable laws, regulations, policies and guidelines
  • Performs all other duties as assigned.
  • Assessed sales comparisons, production costs and other values to determine accurate property values.
  • Forecasted changing values of properties based on market conditions and trends.
  • Maintained high work volume and tight deadlines.
  • Checked previous descriptions, certifications and official documentation against current condition of property.
  • Worked effectively in fast-paced environments.
  • Developed and maintained courteous and effective working relationships.
  • Documented condition and special features to provide accurate estimations.
  • Assessed sales comparisons, production costs and other values to determine accurate property values
  • Documented condition and special features to provide accurate estimations

Employee Staff Appraiser - Remote

ACCURATE GROUP, LLC
08.2019 - 05.2021
  • Desktop
  • Estimated value of single building or piece of land as compared to comparable homes or properties.
  • Provided valuable feedback resulting from applying technical appraisal review skill set regarding appraisal processes reported on various residential property types
  • Appraised variety of conventional and consultative appraisal reports, validated and reconciled documentation associated with conventional appraisals, as well as innovative valuation products.
  • Computed final estimation of property values, taking into account depreciation, value comparisons of similar properties and income potential.
  • Maintained current understanding of lender requirements and documentation guidelines.
  • Prepared and maintained maps of boundaries, inventories of land and structures and applicable exemptions.
  • Performed appraisals in line with federal requirements and USPAP guidelines.
  • Gathered information on nearby properties to compare and help make value determinations on properties.
  • Completed appraisals on pre-set number of properties to meet weekly production goals.
  • Weighed property location, sales trends and estimated replacement costs to accurately value properties.
  • Stayed updated on market trends for local area and similar property types.
  • Researched land, property and market values to complete estimations.
  • Kept on top of latest trends in market sales and construction costs in order to produce optimal assessments.
  • Produced reports with detailed valuations.
  • Documented condition and special features to provide accurate estimations.
  • Completed appraisals on SF and multi-family, condominium properties, supporting property transactions or for legal purposes.
  • Collected and analyzed relevant data to identify real estate market trends.
  • Remained current on local areas through actively researching and garnering understanding of community values.
  • Improved property database with new maps, inventory data, feature descriptions and relevant exemptions.
  • Strengthened communication skills through regular interactions with others.
  • Worked well in team setting, providing support and guidance.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Exercised leadership capabilities by successfully motivating and inspiring others.
  • Applied effective time management techniques to meet tight deadlines.
  • Worked well in team setting, providing support and guidance.
  • Paid attention to detail while completing assignments.
  • Proven ability to learn quickly and adapt to new situations.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Participated in team projects, demonstrating ability to work collaboratively and effectively.

Staff Review Appraiser

FLAGSTAR BANCORP, INC
08.2013 - 04.2019
  • Department
  • Assessed value of property for those who own, rent, sell, manage, lend, or invest in commercial or residential properties.
  • Completed National Reviews with high attention to detail.
  • Created review appraisal reports for GSE, FHA / HUD, VA, and USDA to evaluate compliance with quality and regulatory, USPAP, and company guidelines.
  • Conducted forensic appraisal reviews and analysis.
  • Shared pre- and post-delivery reviews.
  • Delivered exceptional customer service with good attitude, friendliness, and willingness to help every day.
  • Prepared appraisal review reports and researched / provided written support for opinions of value and decisions on collateral risk.
  • Approached each review with solutions to resolve valuation discrepancies in a timely manner to provide company or investors with most reliable, supportable value recommendation possible.
  • Functioned as Appraisal Lead in several project that involved new builds and construction reviews.
  • Review and identify appraisal deficiencies with regards to USPAP, internal standards and third-party lender guidelines to determine reasonableness and credibility of appraisal report and collateral.
  • Review appraisals for lender and secondary market investor compliance
  • Monitor and maintain productivity, service and quality standards set forth by Collateral Risk Department
  • Full underwriting of appraisal report, inclusive of submission to UCDP
  • Maintained knowledge within assigned region of appraisal standards and regulatory guidelines.
  • Reconciliation of appraisal reports, field reviews and BPOs for repurchase demands.
  • Responsible for other projects as assigned.
  • Assessed sales comparisons, production costs and other values to determine accurate property values.
  • Forecasted changing values of properties based on market conditions and trends.
  • Produced reports with detailed valuations.
  • Served both personal and business customers with accurate valuations.
  • Wrote detailed appraisal reports for property and submitted to clients or authorities.
  • Maintained high work volume and tight deadlines.
  • Documented condition and special features to provide accurate estimations.
  • Checked previous descriptions, certifications and official documentation against current condition of property.
  • Worked effectively in fast-paced environments.
  • Developed and maintained courteous and effective working relationships.
  • Skilled at working independently and collaboratively in a team environment.
  • Self-motivated, with a strong sense of personal responsibility.
  • Gained extensive knowledge in data entry, analysis and reporting.

Education

Some College (No Degree) - Liberal Arts And General Studies

Henry Ford Community College
Dearborn

No Degree - Appraising

Appraisal Institute
Michigan

Skills

  • Continuous Process Improvements
  • Time Management
  • Forecasting
  • Reporting
  • Research
  • Documentation
  • Competence
  • Industry Trends
  • Apply USPAP
  • TECHNICAL PROFICIENCIES
  • Collateral Underwriting/Review Appraisals
  • Desk Top Reviewing / Appraising
  • Property Valuations
  • Loss
  • Mitigation, HVR, Heloc, BPO, 1004P for Review
  • Field Inspections
  • Appraisal Reports
  • Collateral Underwriting
  • (CU)
  • Appraisal Scope
  • REO Appraisals
  • Forensic Reviewing - GSE, FHA / HUD, VA, USDA Evaluations for
  • Compliance
  • Market / Comp Analysis
  • Mortgage Lending Requirements
  • Pre- / Post-Delivery Reviews
  • Trusts,
  • Deeds, Private Work
  • Desktop Appraisals
  • Requirements Assessments
  • Troubleshooting
  • Quality Assurance
  • Risk Identification / Mitigation
  • Analytics
  • Metrics
  • Legal / Regulatory Guidelines
  • Computer Skills, Internet, MLS Systems, CMS, FNMA CU, Collateral Analytics, MPX Strong writing, editing, Word
  • And communication skills Outstanding ability to work with wide range of clients, and general public
  • Proven ability to analyze, plan, manage and motivate, REO appraisal experience performing assignments for
  • HUD’S National Management Company
  • Michigan State Licensed Appraiser
  • Appraisal Compilation
  • Real Estate Knowledge
  • Residential Appraisals
  • Project Requirements
  • Organizational Systems
  • Business Operations
  • Measurement Skills
  • Neighborhood Evaluation
  • Critical Thinking
  • Value Estimation
  • Public Record Research
  • Market Value Comparison
  • Construction Methods
  • Customer Satisfaction
  • Microsoft Word
  • Sales Comparison
  • Sketching Ability
  • Residential Support
  • Records Search
  • Project Review
  • Market Valuations
  • Job Assignments
  • Appraisal Documentation
  • Market Trend Analysis
  • Parcel Mapping
  • Property Walks
  • Requirements Reviews
  • Active Listening
  • Documentation Requirements
  • Reading Comprehension
  • Calculations and Measurements
  • Appraisal review
  • Reviewing data

Affiliations

Michigan Association of Realtors, Member, Active, Appraisal Institute Membership; Who’s Who 2007. PSI, City, ST, Member | Assisted with the development / validation of the State of Michigan appraisal examinations for The Department of Labor / Economic Growth, 2007 / 2008 Holloway Institute, Lansing, MI Middleton RE Training, Southfield, MI American RE / Appraising Institute, Inc. McKissock School of RE / Appraising Northern Michigan University Appraisal Institute Appraisal Academy

Timeline

Review Appraiser /Collateral Analyst III - Remote

JPMORGAN CHASE
05.2021 - 12.2022

Employee Staff Appraiser - Remote

ACCURATE GROUP, LLC
08.2019 - 05.2021

Staff Review Appraiser

FLAGSTAR BANCORP, INC
08.2013 - 04.2019

Residential Appraiser

Self-employeed
01.2007 - Current

Some College (No Degree) - Liberal Arts And General Studies

Henry Ford Community College

No Degree - Appraising

Appraisal Institute

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Mary Catherine Scott-Mooney