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CU Appraisal Services Serving Credit Unions, CUSOs and their Communities

CU Appraisal Services Presentation 8.3.2014
by

Todd Campfield

on 19 August 2015

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Transcript of CU Appraisal Services Serving Credit Unions, CUSOs and their Communities

Our Mission
We are an Appraisal Services Company (ASC) that manages the appraisal process and requirements for Credit Unions and CUSOs. We are the first ASC and share the core values of and are dedicated to only serving CUs and CUSOs.

We are the Relationship, Service and Compliance Company whose mission is to improve the well-being of CUs, CUSOs, their Members, Communities and our Appraiser partners.

“Pressing compliance and regulatory requirements, along with a commitment to the Credit Union movement is what motivated Vision’s FCU to create a
partnership with CUAS.”
– Tracey Wheeler
Chief Lending Officer
Visions Federal Credit Union
How are we different from AMCs
and other Appraisal Providers?
We work with Credit
Unions and CUSOs exclusively
We are Relationship Driven:
while we utilize technology we are not a Technology Company: we're a
Relationship Company
Simplified Pricing
and Price Lock
CUAS is the first ASC, shares values with and is solely dedicated to serving CUs, CUSOs, their
Members, Appraisers, and the communities they live and work in
Client Retention
and Referrals
Our strong growth is attibuted to our satisfied CU and CUSO clients and is reflected in our 100% growth over the past year and continued monthly growth of 10% per month.

Client
Value
We establish close and enduring relationships with all our partners and share their values
We partner with best-in-class CUs, CUSOs and the most qualified appraisers
We're very selective with whom we work to ensure we can deliver the highest quality appraisals for our existing and prospective partners
As an ASC our mandate is to consistently deliver exceptional value to CUs, CUSOs, Appraisers and Communities.
How do we deliver value every day?
Our
Clients
We currently serve Credit Unions and CUSOs of all sizes that are committed to their mortgage operations.
In contrast, AMCs typically:
serve 30 – 100+ companies (national, super-regional, regional and community banks and Credit Unions)
accept overwhelming volume
favor and prioritize large accounts
are principally concerned with profit maximization
provide impersonal interactions with CUs and Appraisers
Appraiser Experience
and Competence
CUAS only employs local, highly experienced Appraisers with deep knowledge of their coverage area. Our Appraiser partners have an average of 23.6 years of experience.
We are committed to educating our Appraisers to stay current in all areas of appraisal practice, secondary market guidelines and USPAP compliance.
In addition, our Appraisers
live in communities with your Members. In fact, many of our Appraisers are Credit Union members and we train them to be CU-Member Centric.
Appraisal
Review
Q-SAR
Every report is reviewed through a combination of technology, lending and
appraiser experience.


Mr. Stickelman is a highly qualified and experienced real estate appraiser with over 15 years of mortgage and banking experience during his 37-year appraisal career. He has been designated as a SRA with the Appraisal Institute for over 30 years and is a designated member of the Royal Institute of Chartered Surveyors. He has consulted with regulatory agencies including the U.S. Treasury and OCC.

In 1987 Mr. Stickelman founded Stickelman & Associates, a full service appraisal firm that develops high quality appraisal reports, delivered efficiently and cost effectively to financial institutions and various other client classes. He created Strategic Valuation Partners (SVP), a division of SAI that manages compliance and appraisal assignments for banks and Credit Unions. SVP utilized innovative technology and professional experience to deliver, manage and review residential and commercial assignments. In 2008, he founded the Ohio Coalition of Appraisal Professionals (OCAP), a non-profit organization of appraisers that fosters better business practices, education and meaningful, constructive legislation. Seeing a need for a new generation of appraisal service providers, he formed CU AS to ensure credible value opinions to Credit Unions and CUSOs.
Ronald K. Stickelman Jr., MRICS, SRA
Leadership
Founder/Chairman/CEO
John brings over a decade of Credit Union and mortgage experience to CUAS. He began his career in the Credit Union industry working as a co-op in high school for a mid-sized Credit Union in Butler County, Ohio. He joined the largest Credit Union in Ohio in 2002 and held positions from Account Specialist, Branch Manager, and Loan Originator. He left an Interim Sales Manager in the Mortgage Services area. Most recently, he was Director of Mortgage Services for a mid-sized Credit Union in Dayton, Ohio. In just over 5 years, he took the Credit Union from closing $8mm in mortgage transactions to $50mm annually. Additionally, he was successful in obtaining Direct Seller/ Servicer approval from Freddie Mac, Full Eagle from HUD (FHA Direct Endorsement) and established an in-house mortgage-servicing department.
John Theobald
SVP
Rob began his career in the real estate industry in 1999, working with lenders, providing valuation services, as well as managing and marketing their REO properties. In 2007, he took a lead role on the Ohio HUD REO management and marketing contract, and within a few years he found himself managing a portfolio of thousands of HUD and Fannie Mae properties coast-to-coast. With his background in real estate sales, real estate valuation, property management and asset management, Rob has a holistic perspective that allows him to problem solve on behalf of our clients and partners.
Rob Richter
Director of Quality Assurance
Angie has over 13 years of Credit Union experience. In 2000, she started her career as a Member Service Representative and received several promotions within the Credit Union from call center representative to becoming the Assistant Branch Manager. Prior to joining CUAS, she was a loan originator in the mortgage department. She closed an average of $1mm loans monthly and is well versed in underwriting guidelines for Freddie Mac, Fannie Mae, FHA & VA loans.
Angie Vance
Partner Relations Specialist
History
CUAS was formed by pioneering Appraisers and accomplished CU professionals to serve the unique needs of CUs and CUSOs
CUAS was founded on a long-standing relationship between CUAS’ chairman and a multibillion-dollar Credit Union
This experience enables CUAS to assist CUs and CUSOs
Improve process efficiencies
Close loans faster
Provide risk mitigation and regulatory compliance relative to collateral valuation
Getting Started
is Easy
We have simplified pricing in every state
We have a flat rate for FHA, manufactured, condo and conventional
You will never have to go back to your members to increase or re-disclose an appraisal fee
One price for rural, condor, manufactured and convential FHA
Our Partners
Include
“CUAS is the primary appraisal service provider for myCUmortgage”
– Tim Mislansky
President of myCUmortgage
CUAS has developed a unique
and proprietary appraisal report
completed by only licensed and
certified appraisers. The report is
a low-cost, fast and compliant
alternative to ordering full appraisal reports on second mortgages, and provides significantly more accurate value than an AVM. Q-SAR ridges the gap been BPOs, AVMs, outdated 2055s and full 1004s.
Todd has nearly two decades of Lending experience working on both the sales and operations side of the business. He held the Vice President of Lending and Collections position with a Credit Union in Virginia that serviced the International Mission Board and had members all over the world. After relocating to Ohio in 2007, Todd remained in the mortgage lending space working for community financial institutions. He was able to thrive during one of the most challenging times in the mortgage industry. Most recently, Mr. Campfield was a Mortgage Loan Underwriting Manager for the largest mortgage loan originator in the country. He brings a unique set of skills to CUAS, in that he has experience with originations, underwriting and managing the loan portfolio of a Credit Union.
Todd Campfield
Partner Relations Manger
Ron Stickelman
| Founder/Chairman/CEO:
ron@cuas.net
John Theobald
| COO:
john@cuas.net
Angie Vance
| Manager of Quality Control:
angie@cuas.net
Todd Campfield
| Partner Relations Manager:
todd@cuas.net
Kent Martindale
| Appraiser Relations Manager:
kent@cuas.net
Michael Sharp
| Director of IT and Compliance:
michael@cuas.net

Phone # 866-787-5111
From appraisal assignment, management, review, communication, status updates, audit services and more, CUAS manages every part of the appraisal process for you, ensuring that your appraisal orders are taken care of from start to finish.

A successful partnership comes down to communication, integrity, shared values, expertise, care, trust, technology, execution and authentic relationships.
Every CU and CUSO is unique so we customize our services to meet the specific operations, needs and goals of each of our partners
Our leadership includes former CU and CUSO professionals with decades of experience in every aspect of mortgage lending, appraisal and lending compliance, and executive mangement. We have direct experience with Freddie Mac, Fannie Mae and HUD.
CUAS is helmed by Ron Stickelman, a nationally respected expert on real estate valuation and collateral analysis. Seeing the need for a new generation of Appraisal Service Providers, he formed CUAS to ensure credible value opinons for CUs and CUSOs.

Ron's vision was to unite accomplished CU/CUSO veterans with best-in-class appraisers that understood evolving regualtory issues, the need to recruit and retain leading appraisers, and promote efficient workflow while mitigating risk with accurate and compliant reporting.



Serving Credit Unions, CUSOs and their Members
No set up costs, monthly or annual fees
We can take orders the same day our relationship starts!
We're an ASC, not an AMC
Contact Us to Get Started
Thank You for Viewing Our Presentation

to download as a PDF, click
https://www.dropbox.com/s/vx6foht3b55jm9i/CUAS%208.9.2014.pdf





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Effective 9/1, CUAS is offering a new, single page appraisal report to all our clients: Q-SAR. CUAS has been providing this report to 2 of the 50 CUs in the country the past year to confirm its accuracy and regulatory compliance.
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