W. THOMAS SECREST 15647 W. Montecito Avenue Goodyear Arizona, 85395 Phone: 623-748-9333 Cell: 775-232-6454 e-mail: ws11b3ccc@westpost.

net

**Ready and willing to relocate self to work area** CANDIDATE STRENGTHS AND HIGHLIGHTS Certified Residential Fee Appraiser with 20+ years mortgage related experience. State of Arizona Certified Residential Appraiser (active) State of Nevada Certified Residential Appraiser (active) Veteran quality team manager practiced in effective interface with investors & i nternal loan partners Proven provider of forensic, retrospective and due diligence residential apprais al desk and field reviews. EXPERIENCE Senior Appraiser 8/09-Present

JP Morgan Chase-Home Lending Direct 1820 E. Sky Harbor Circle South, Phoenix Arizona 85034 Duties: Responsible for Manual Conventional loan review. Major tasks include analysis of income, credit and collateral for the purpose of extending mortgage credit. Acc ountable for ensuring that loan requests meet investor parameters as well as ens uring JP Morgan Chase overlays to guidelines are met by each file. Promoted to Site Senior Review Appraiser with the responsibility for identifying appraisal deficiencies concerning compliance to USPAP and Chase guidelines incl uding the reasonableness of value and technical errors affecting value and inte grity of the specific loan in review. Prepared written reviews to support the ap peal or a repurchase, MI rescission or to support the remedy review on contract underwritten loans. Additional duties include discussing collateral decisions wi th external departments in defense of an appeal positions. Certified Residential Real Estate Appraiser Secrest, Inc, 892 Brook Springs Drive, Reno NV 89509 3/00-8/09

Duties: Provider of valuation services of 1-4 family units for Conventional and FHA lend ing including extensive desk and field review experience. Managed day to day act ivities of office staff as well as overseeing appraisal activities of 3 trainee appraisers. Underwriter/Branch Manager, Columbia 12/94-3/00 One Stop Mortgage Corporation 3347 Michelson Drive, Suite 300, Irvine CA 92612 Duties: Responsible to corporate management to hire, train and supervise five wholesale

salesmen in meeting production goals. Managed day to day efforts of 3 processors and represented the interests of the Sales Team in interacting with Branch Unde rwriters and Branch Review Appraisers. Balanced loan production goals with overall corporate risk goals. -Recognized as 3rd highest Salesman at national sales convention in 1998. -Received award for most productive office nationally 1999. District Appraisal Manager, Charlotte NC8/86-12/94 World Savings and Loan Corporation 1970 Broadway, Oakland CA 94612 Duties: Responsible for day to day appraisal activities of 5 trainees as well as represe nting the interests of the Appraisal Department in loan negotiations with Underw riting and Sales. -Awarded "top department of excellence" 1987. -National Manager of the year 1987 Appraiser Trainee, Baltimore MD 8/84-8/86 Bay State Appraisal Corporation 22 West Pennsylvania Ave., Towson, MD 21204 Apprenticed as an appraiser trainee for the first year producing 523 1-4 family reports. Promoted to Staff Appraiser became youngest desk reviewer in section of 10 reviewers. EDUCATION: B.S.B.A. Appalachian State University Boone, NC 28828-Graduate Villanova University Six-Sigma Green Belt Certification Graduate Studies