Lyle Radke joined Fannie Mae in 2013 and is a Principal in Collateral Policy. His team establishes and maintains policies for property eligibility, appraisals, and condo project standards. He holds a master’s degree in geology from Brigham Young University and is a certified residential appraiser in New Mexico. He advises the team on policy matters. Recent initiatives from his team include updated Appraiser Independence Requirements (AIR), adoption of the ANSI sq. ft. standard, valuation alternatives for certain purchase loans, the Undervaluation Risk Flag in Collateral Underwriter® (CU®), and the Uniform Property Dataset (UPD), and reconsideration of value requirements (ROV). Current workstreams include the Appraiser Diversity Initiative®, the next generation Uniform Appraisal Dataset, appraisal bias mitigation, hybrid appraisal requirements, and additional enhancements to CU. He is also responsible for Fannie Mae’s quarterly Appraiser Update newsletter and frequently speaks to lenders, risk investors, and appraisers about Fannie Mae’s collateral risk management policies, programs, tools, and vision for the future.

35+ years of appraisal industry and collateral valuation experience leading up to Chief Appraiser, SF Director of Valuation roles at Freddie Mac. Focus on on-going development and refinement of property valuation risk strategies, development and use of LCA (Loan Collateral Advisor) tool to inform risk and ensure credible quality appraisals are submitted to Freddie. Current focus on Appraisal Modernization and the UAD Redesign Initiative, through our regulator FHFA. Skills include industry communication, public speaking, appraisal theory and practice and thought leadership. Previous management positions with Goldman Sachs, Bank of America and GE focused on daily operations and management of collateral support for banks and capital markets. As a second generation appraiser, my career began as a practicing fee appraiser. Early career training and experience in addition to single family residential, was more general in nature around highway condemnation and appropriation work, partial interests and right-of-way. After graduation from The Ohio State University, started as a review appraiser with the Ohio Department of Transportation.

Thomas H. Humphreys is a career-long real estate appraiser. He grew up measuring houses with his father, an appraiser. In the course of the past 30 years, Mr. Humphreys has appraised property across the country. He is a hearing officer for the Davidson County Board of Equalization. He has been a contract investigator/reviewer for the State of Tennessee Department of Commerce and Insurance. He also assists attorneys who represent citizens accused of crimes. Mr. Humphreys is a partner in Appraiser eLearning and is the director of education for StoryboardEMP, LLC, an education media company.

Bryan S. Reynolds, CDEI™ is a KY/TN Certified General Real Property Appraiser, a registered agent with the TN State Board of Equalization and an AQB Certified USPAP Instructor. He has testified and appeared in various courts, planning and zoning boards as both an expert and as an agent making valuation arguments before local and state hearing officials and Administrated Law Judges. Reynolds is the owner of Bryan S. Reynolds & Associates, Reynolds Appraisal Service and a partner in Appraiser eLearning, www.appraiserelearning.com. He provides residential and commercial valuation services throughout the region and various educational offerings, mentoring, consulting and litigation support services throughout the country as well as being available for lectures and is well known for his Think Outside the "Check" Box approach.

Nathan Brannen is the Chief Product Officer for Restb.ai. Restb.ai is the leader in real estate computer vision solutions. Restb.ai’s artificial intelligence automatically tags and classifies property photos with real estate-specific information. Nathan specializes in partnering with industry innovators to implement AI technology.

At ABB Enterprise Software, Brannen was Global Product Manager. He wrote design requirements, maintained backlog and determined priority for Agile scrum team designing and creating a new shared software framework. Brannen oversaw the design, beta release, and successful general release of the product platform and was recognized with ABB Top Talent Award. Brannen also managed a software platform focused on helping energy utilitiesaround the world (developed and emerging markets) make operational and planning decisions by focusing on forecasting, generation optimization, market bidding, constraint modeling and future resource expansion Worked with clients from the six major continents to model their unique power portfolios and markets while executing projects ranging from local deployments to cloud based (Azure) solutions.

Brannen holds an MBA from IESE Business School (Barcelona) and a Bachelor of Science from Georgia Institute of Technology.

Ken DeFeo is a Senior Manager of Risk Management at Fannie Mae. He manages the team updating the Uniform Appraisal Dataset to better meet the needs of the mortgage industry and provide better clarity around appraisal reporting. DeFeo has worked in the Mortgage and Real Estate industry for 30 years with extensive experience in loan originations fulfillment, quality control and servicing valuations. At BNC Mortgage in 1995, he helped drive technological expansion while maintaining quality. DeFeo then worked on vendor contracts for JP Morgan Chase, where he also oversaw the startup of a QA department to validate vendor quality and internal audits. He then oversaw appraisal operations and was tasked with improving visibility around appraiser quality and the customer experience.

Sean Murphy is a Certified Residential appraiser, appraising residential real estate since 1992. As Freddie Mac’s credit policy risk analytics manager, he manages the Freddie Mac team of appraisal experts in the redesign of the Uniform Residential Appraisal Report (URAR); a joint effort with Fannie Mae to update the Uniform Appraisal Dataset (UAD) to reflect changes to the appraisal industry, address future appraisal needs, and facilitate ongoing digitization in the appraisal process and the mortgage industry. Originally hired by Freddie Mac for the creation and design of the Loan Collateral Advisor (LCA); a web-based tool that analyzes appraisal reports and provides a view of appraisal quality and valuation risk. Prior to Freddie Mac, Sean supervised the calibration of the cost and market models for all residential real estate assessments for Fairfax County, Virginia’s most populated county.

Loren Cooke is the moderator at the Solidifi-sponsored ADI Session which will take place on Monday, August 11^th at 12:30 PM in the General Session room, Palace III.

Loren Cooke is a seasoned leader with more than two decades of experience in driving technology and business solutions within the financial services industry, with an emphasis on real estate valuation and title and close services, mortgage and loan origination technologies, mortgage services, and data management. As President of Solidifi, Mr. Cooke’s strategic leadership encompasses all critical business functions across North America, including operations, technology, product delivery, field agent engagement, revenue generation, and customer and industry partnerships within the valuation, title and close, and insurance services sectors. Since joining Solidifi in 2008, he has been instrumental in the company’s dynamic growth and success. Prior to Solidifi, Mr. Cooke held senior management roles at Davis & Henderson and Equifax Inc. in the financial and mortgage services sector.