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Tuesday, September 28, 2021

  • Risk Management & Analytics Track: Appraisal Bias and Fair Lending


    Speaker(s)

    Anh Doan, Director, Research and Economics, Mortgage Bankers Association

    Jillian White, Head of Collateral, Better Mortgage

    Lyle Radke, Director, Collateral Policy Team, Fannie Mae

    Kenon Chen, Executive VP, Corporate Strategy, Clear Capital

    Josh Goldberg, Director, Summit Consulting, LLC

    Appraisals are at the center of every real estate loan transaction. As the industry responds to concerns of valuation bias, this panel will discuss gaps in the appraisal process, suggested best practices to mitigate these risks and explore thoughts on how the industry can work together to address this issue.

    Speaker(s)

    Anh Doan, Director, Research and Economics, Mortgage Bankers Association

    Anh Doan is a Director of Research and Economics at the Mortgage Bankers Association where she is responsible for the analytics of national single family research surveys, following housing trends on mortgage delinquencies, originations, weekly mortgage applications, mortgage credit availability and other metrics. She also manages the operations of MBA’s Risk Management Committee. She previously worked at Freddie Mac for 5 years under single family servicing and non-performing loans. There she was responsible for providing support to servicers on fulfilling guideline requirements and managing the default risk within the delinquent and REO loan portfolio.

    Jillian White, Head of Collateral, Better Mortgage

    Jillian White is an 18-year veteran of the appraisal industry, an SRA designated appraiser, and a former NYS Appraisal Board member. Jillian received her BA in Neuroscience and Behavior from Columbia University.  She began her career in appraising as founder and CEO of White Picket Fence Appraisals—­­­ a residential real estate appraisal company based in New York.  Her accolades include Young Entrepreneur of the Year and title as one of Ten Influential Blacks in Westchester County.  In 2016, Jillian joined Better, a digital mortgage provider, as the Chief Valuation officer and the 37th employee (now 8,000+ people).  In 2018, she was named the Head of Collateral and leads a 700-person department that consists of the appraisal, title, insurance and project certification teams.

    Lyle Radke, Director, Collateral Policy Team, Fannie Mae

    Lyle Radke is Director of Fannie Mae’s Collateral Policy team, which establishes and maintains policy standards for appraisals and property eligibility. After obtaining a master’s degree in Geology from Brigham Young University, Lyle began his career in real estate valuation in New Mexico as a fee appraiser. In 2003, he began working for a large mortgage lender where he led their servicing valuation review team and supervised creation of one of the first XML appraisal delivery platforms. Looking for a new challenge in 2013, he joined Fannie Mae to work on Collateral Underwriter and other collateral policy initiatives.

    Kenon Chen, Executive VP, Corporate Strategy, Clear Capital

    Kenon’s background in technology, music, and consulting makes him a highly-creative and passionate problem solver. He sits at the intersection of Clear Capital’s executive, product, marketing, and sales teams, guiding the company’s growth and strategy. Kenon has developed and launched some of our most forward-looking solutions, including ClearProp™ and ClearCollateral®.

    Josh Goldberg, Director, Summit Consulting, LLC

    Mr. Goldberg leads Summit’s mortgage finance practice, bringing 20 years of industry best practices and thought leadership to his clients and staff. Prior to joining Summit, Mr. Goldberg acquired a breadth of experience in developing, hiring, and training teams focused on underwriting, financial reporting, and risk management. He has advised key stakeholders on model risk management and credit risk appetite frameworks.  With regard to valuation of single-family homes and racial equity, Mr. Goldberg and his team use statistical techniques to identify potential cases of bias and develop techniques to mitigate biases in models subject to fair lending laws.