Events Calendar

Webinar: Managing In-House Real Estate Evaluations
Thursday, June 25, 2020, 03:00pm - 04:30pm

When is an in-house evaluation not suitable for a real estate-secured transaction under the exemption threshold? What is an appraisal’s useful life? How can a previously determined market value be validated as part of a subsequent transaction? Learn the answers to these questions and more.


  • Review your institution’s in-house real estate evaluation policy and procedures for compliance
  • Understand general content requirements for evaluations
  • Discuss the use of technological tools such as Automated Valuation Models (AVMs) and Tax Assessment Values (TAVs) as part of the in-house evaluation process
  • Determine if a transaction meets the real estate appraisal exemption threshold and understand when an appraisal should be ordered even though an exemption is available
  • Create a document to validate previously developed valuations, such as appraisals and evaluations, for subsequent transactions to meet regulatory expectations


Final agency rules adopted over the last two years have increased appraisal exemption threshold levels for real estate transactions. Not surprisingly, the use of in-house evaluations has become more prevalent. Institutions adopting new (or reevaluating) in-house evaluation programs must ensure that properly trained personnel, independent of loan production, develop evaluations with accurate market value, supported by sufficient source data, which is clearly provided in the final report.

This presentation will recommend components of comprehensive evaluation policies and procedures, including the use of analytical methods or technological tools such as Automated Valuation Models (AVMs) and Tax Assessment Value (TAVs). It will also cover required contents of a real estate evaluation, including who should conduct it.


This presentation will benefit lending personnel involved with real estate transactions, including credit and loan production managers, loan officers, credit analysts, and staff who are part of the valuation process.


  • List of agency regulatory documents for future study and consideration
  • Sample subsequent-transaction validation document
  • Employee training log
  • Interactive quiz

SPEAKER:  Aaron Lewis, Young & Associates, Inc.

Aaron Lewis is a senior consultant at Young & Associates, Inc. With over 15 years in the banking industry, his expertise is now dedicated to the lending division of Young & Associates where he assists financial institutions with loan, ALLL, policy, and credit-process and compliance reviews. He also conducts seminars on credit risk and compliance.

Prior to joining Young & Associates, Aaron was the Vice President Credit Administrator of a community financial institution in southeast Michigan and managed all facets of the lending function, including originations, underwriting, ALLL analysis, servicing, and secondary market compliance. He holds a Bachelor’s in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.