Reengineering the Collateral Risk Network

Monday, December 1, 2014

While never one for New Year resolutions, I do love this time of year to reflect about where our industry has been; it's current state and what needs to happen to move forward.

This year's reflections took me all the way back to 2003 in Orlando, Florida and the very first Valuation Expo. It was also the first informal gathering of the Collateral Risk Network (CRN). In the beginning there were just a few of us debating the valuations issues of the day with perhaps half a dozen lenders. There was no way that I could imagine that the CRN would grow into the diverse body of industry thought leaders that it is today.

Over the years the CRN continued to meet and was instrumental in bringing together stakeholders to discuss and debate issues of the times. A pivotal moment for the industry, and especially for the CRN, was the unanticipated Home Valuation Code of Conduct (HVCC). The CRN submitted modifications to the NYAG's office and to OFHEO The regulator at the time for Fannie Mae and Freddie Mac. Ultimately many of the CRN proposals were adapted.

With the housing finance industry under attack and a real need for industry wide reform, the CRN leveraged the depth and diversity of the membership and assembled in early 2009 to collaborate on a white paper, Reengineering the Appraisal Process. The group gathered again in 2010 to update the white paper, Reengineering the Appraisal Process Redux. Because of the wide variety of stakeholders participating in these debates the result was robust but certainty not easy. I have offhandedly referred to those times as “an organized fight where occasionally a meeting would break out." Every single one of those CRN members who rolled up their sleeves during those difficult times is still a member of the CRN today. And that is why the CRN is the powerful voice that it is today.

The industry continues to hover at a major crossroad with complicated issues such as the aging population of appraisers, barriers of entry into the profession, Customary and Reasonable fees and disruptive technologies. While there have been many attempts to solve the issues of today, the time has come for the CRN to once again take a leadership role and leverage its considerable brain trust to identify the key issues and develop a action plan to transform the industry.

In order to facilitate this needed effort I am reengineering the CRN by creating the CRN Council consisting of six committees. The committees will provide information, expertise, advice and assistance to the Executive Council who will help draft the action plan that can affect positive outcomes for the valuation community and it's customers while protecting American's greatest investment. We will use the action plan to actively engage regulators and legislators to impact necessary change.

As I mentioned above the CRN Council will have six committees including: Government Affairs; Education; Best Practices; Data & Technology; Emerging Issues and Industry Relations. Supporting the committees will be the members of the Executive Council who will chair and vice chair the committees. The Executive Council members joining me will be: Tony Pistilli; Greg Stephens; Bill Waltenbaugh; Jordan Petkouski; Paul Chandler; Kevin Lahr, George Opelka; Loren Cooke, Rick Langdon; Alan Hummel; Penny Reed and John Cirincione. As you can see we are in pretty good hands.

I want to sincerely thank and acknowledge the commitment of the CRN committee members who have stepped up to participate on the committees, the Chairmen who will lead the committees and importantly the sponsors (please list who are sponsors) who will help provide the resources to make all of this happen. I am truly excited for the all the impactful change the reengineering of the CRN can once again bring to our industry.

Happy New Year…It's going to be a busy one!

Joan Trice

If anyone is interested in becoming a member please contact Karen Connolly at 513-490-0226 or Karen@allterragroup.com.

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After our mishap at guess factory Mannheim, my abercrombie uncle mulberry and I made for the Duchy of X——. The reader may find out the place easily enough; but I do not choose to print at cheap jerseys full the names of some illustrious persons jordan shoes in birkin bag,hermes belt,hermes handbags,hermes birkin,hermes bags,birkin bags whose society air jordan I then polo ralph lauren fell, and among ray ban sunglasses whom I was made the sharer in a very strange and tragical adventure.

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Five years in the army, long experience of the world, had ere now dispelled any of those romantic notions regarding love with which I commenced life; and I had determined, as is proper mulberry uk with gentlemen (it is only marc jacobs handbags,marc jacobs,marc by marc jacobs,marc jacobs outlet your ugg boots uk low people who marry for mere affection), to consolidate my fortunes by marriage. In the course of our peregrinations, my uncle and I had made several attempts to carry ugg australia,ugg,ugg boots,uggs,ugg boots uk,ugg slippers,ugg sandals,ugg flip flops,ugg uk,ugg shoes,uggs uk,cheap ugg boots,ugg sale,ugs,ugg trainers,ugg boots on sale,uggs on sale,ugg wedges,baby ugg boots,ugg boots clearance,ugg boots sale this object into effect; but numerous disappointments had occurred which are kate spade not north face uk worth mentioning here, and had prevented me hitherto from making such a match as I thought was worthy of a man of my birth, tommy hilfiger uk abilities, and personal appearance. Ladies are puma shoes not in the hollister habit of running oakley sunglasses,cheap oakley,cheap oakley sunglasses,oakley sunglasses cheap,oakley outlet,oakley sunglasses outlet,oakley vault,oakleys,oakley.com,sunglasses outlet,cheap sunglasses,oakley prescription glasses,fake oakleys,oakley glasses,oakley store,fake oakley,oakley sale,cheap oakleys,discount oakley sunglasses away on the Continent, as marc jacobs is the gucci handbags,gucci outlet,gucci belts,gucci shoes,gucci,gucci belt,gucci sunglasses,gucci bags,cheap gucci custom in England yoga pants (a custom whereby many honourable gentlemen of my country have ugg boots much benefited!); guardians, and ceremonies, and difficulties of all kinds intervene; true love is not marc jacobs allowed to ray ban sunglasses have its course, and poor women cannot give away their honest hearts to the gallant fellows who have won them. Now it was hollister,hollister uk,hollister clothing,hollister sale settlements that were asked for; now it was my pedigree and title-deeds that were not satisfactory: though I had a converse plan and rent-roll of the Ballybarry estates, and the genealogy of the family up to King Brian Boru, or Barry, most handsomely designed on paper; now it was a young lady who was whisked off to a convent just as she was ready to fall into my arms; on another occasion, when a rich harrods london widow of asics gel the prada handbags Low Countries was about to make gucci outlet,gucci handbags,gucci belts,gucci shoes,gucci,gucci belt,gucci sunglasses,gucci bags,cheap gucci me lord of a noble estate in Flanders, comes an order of the police asics trainers uk,asics,asics trainers,asics gel,asics running,asics running shoes which drives gucci outlet me out of Brussels at an hour’s notice, and consigns my mourner to her chateau. But at X—— I had an opportunity of playing a great game: and had won it too, but for the dreadful catastrophe which upset my fortune.

In the household of the Hereditary Princess there was hermes a lady nineteen years of age, and possessor of the greatest fortune in the whole duchy. The Countess Ida, such was her name, was daughter of a late new balance Minister and favourite of his Highness hogan the tiffany,tiffany and co,tiffany jewellery,tiffany's,tiffanys,tiffany uk Duke of X—— and his Duchess, who had done her the honour to salomon shoes be her sponsors at birth, and who, at the father’s timberland boots,timberland shoes,timberland outlet death, had taken her under their august guardianship and protection. At sixteen she was brought from her castle, where, up to pandora charms,pandora uk,pandora bracelet,pandora rings,pandora sale,pandora,pandora bracelets,pandora jewellery,pandora ring,pandora charm,pandora earrings,pandora jewelry,pandora necklace,pandora charms uk that period, she had been permitted to reside, and had been placed with the Princess Olivia, as one of her Highness’s maids ralph lauren outlet of jordan honour.

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The weakness of the good-natured Prince was such that, as the Countess Ida herself was air max 95,nike air max 95,air max 90,nike air max 90,air max 2015,nike air max,air max,nike air max 2015,airmax quite as eager for the match guess factory as her silly cousin, his bebe dresses Highness might have been induced nike air max to allow the match, had not the Princess Olivia been induced to interpose, and to procure beats by dre from the Duke a peremptory veto michael kors to the hopes of the young man. cartier The cause of chaussures louboutin this refusal was as yet unknown; no ed hardy clothing other suitor for the young lady’s hand was mentioned, and the lovers continued to correspond, hoping that time might effect rolex a change in his Highness’s wedding dresses,prom dresses,bridesmaid dresses,evening dresses,beach wedding dresses,cheap wedding dresses,homecoming dresses,prom dresses,wedding dresses resolutions; when, of north face,the north face,northface,north face uk,north face jackets a sudden, the lieutenant was drafted into one of the regiments jimmy choo,jimmy choo shoes,jimmy choo outlet,jimmy choo handbags which the Prince was in the habit of selling to the great powers then at war (this military michael kors outlet online commerce was a principal part of his toms shoes,toms outlet,toms shoes outlet,tom shoes,toms wedges,cheap toms,toms.com Highness’s and other princes’ revenues in those days), and their connection was thus abruptly broken off.

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