Ms. Whitlock’s appraisal experience began in 1980 as a staff appraiser for Guild Savings and Loan Association under the tutelage of Thomas Kunibe, Vice President, Senior Appraiser. She then advanced to the position of Senior Appraiser, and from 1986 to 1990, Ms. Whitlock managed a regional appraisal office for Sears Mortgage Company. During her employment with Sears Mortgage, Ms. Whitlock also trained new staff appraisers and served as an FHA Direct Endorsement appraiser. In 1993, Ms. Whitlock was approved as a HUD appraiser in the State of Oregon.

From 1976 to 1980, prior to real estate appraising, Ms. Whitlock was a loan officer for Guild Savings and Loan Association, where she performed preliminary underwriting functions on 1-4 units, multiple units, and commercial properties, was a member of the loan committee reviewing loan applications, and accompanied staff appraisers to observe real estate appraisal functions in the field.

From 1973 to 1976, Ms. Whitlock served as a Branch Manager for Guild Savings & Loan Association, supervising and training staff members.

EDUCATIONAL BACKGROUND
7-Hour National USPAP Update, National Association of Independent Fee Appraisers, 2004
Course 1400, 7-Hour National USPAP Update Course, Appraisal Institute, 2003
Course 400, National USPAP Update, Appraisal Institute, 2003
Course 420, Standards of Professional Appraisal Practice, Part B (USPAP), Appraisal Institute, 2001
Course 410, Standards of Professional Appraisal Practice, Part A (USPAP), Appraisal Institute, 2001
Uniform Standards of Professional Appraisal Practice (USPAP), American College of Appraisal, 1999
Course 410, Standards of Professional Appraisal Practice, Part A (USPAP), Appraisal Institute, 1995
Course 410, Standards of Professional Appraisal Practice, Part B (USPAP), Appraisal Institute, 1995
Report Writing of Residential RE Appraising, National Assoc. of Independent Fee Appraisers, 1994
Income Property Appraisal Principles and Methodology G4, Appraisal Institute, 1994
Uniform Standards of Professional Appraisal Practice (USPAP), Nat’l Assoc. of RE Appraisers, 1991
Capitalization Theory and Techniques - Part A, American Institute of Real Estate Appraisers, Stanford University, 1987
Course 102, Applied Residential Property Valuation, Society of Real Estate Appraisers, 1985
Course 101, An Introduction to Appraising Real Property, Society of Real Estate Appraisers, 1980
Residential Appraisal in California, Sierra College, 1978
Real Estate and You, Sacramento City College, 1978
Mortgage Loan Origination, Mortgage Bankers Association, 1978
Real Estate Law I, Institute of Financial Education, 1979
Mortgage Lending, Institute of Financial Education, 1978
Real Estate Principles II, Institute of Financial Education, 1978
Personnel Management I, Institute of Financial Education, 1977

EDUCATION SEMINARS:
Appraiser’s Guide to Environmental Issues, National Assn. of Independent Fee Appraisers, 2004
Loss Prevention Program for RE Appraisers, Liability Insurance Administrators, 2003
Analysis of New Construction Costs, OR Society of Farm Managers & Rural Appraisers, 2003
Legal & Professional Appraisal Valuation Topics, OR Society of Farm Managers & Rural Appraisers, 2003
Online Appraising Manufactured Housing, Appraisal Institute, 2003
FNMA Property & Appraisal, National Association of Independent Fee Appraisers, 2003
Appraising Manufactured Homes, Appraisal Institute, 2002
Organization of Complaint Processing & Resolution and Common USPAP Violations, ACLB, 2000
On-Line Residential Design & Functional Utility, Appraisal Institute, 2000
Recent Changes to USPAP, Appraisal Institute, 1999
FHA Update, Acheson Appraisal Classes, 1999
Fee Simple vs. Leased Fee/ACLB Update, Appraisal Institute, 1999
The Internet and Appraising, Appraisal Institute, 1997
Alternative Limited Reports, 5.0C, National Association of Independent Fee Appraisers, 1997
Ethics - USPAP Statements, Wren-Andrus Seminars, 1997
Ethics - USPAP Advisory Opinions, Wren-Andrus Seminars, 1997
Impact of the Tax Deferred Exchange, Appraisal Institute, 1997
Appraiser as the Expert Witness, Appraisal Institute, 1995
Successful FHA Appraising, Appraisal Institute, 1994
Revisions to the USPAP, Appraisal Standards Board, 1994
Small Residential Income Property, Appraisal Institute, 1994
USPAP: State Rules and the Appraiser, Appraisal Institute, 1994
Appraisal Review - Residential Properties, Appraisal Institute, 1994
Demonstration Appraisal Report Writing Seminar, Appraisal Institute, 1993
Maximizing the Value of An Appraisal Practice, Appraisal Institute, 1993
Appraisal Reporting of Complex Residential Properties, Appraisal Institute, 1993
Improving Appraisal Report Writing Seminar, Appraisal Institute, 1992
FNMA/URAR Update Seminar, Appraisal Institute, 1992
State Licensing/Certification Review Seminar, Appraisal Institute, 1991
FNMA Appraisal Guideline Update, 1991
FNMA 2-4 Family Small Residential Property Report Seminar, 1990
Professional Practice & the Society of Real Estate Appraisers, 1989
Real Estate Update, Society of Real Estate Appraisers, 1987-1989
FNMA/FHLMC Underwriting Guidelines, 1976, 1987
FHA Underwriting Guideline, 1986-1990
Narrative Report Writing Workshop, SREA, 1983
Cost Manual Seminar, Marshall & Swift, 1983

PROFESSIONAL AFFILIATIONS AND MEMBERSHIPS
Oregon State Certified Residential Appraiser - Certification #CR00004
Residential Associate Member, Appraisal Institute
Affiliate Member, Lincoln County Board of Realtors, NAR