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Matt Cowan

@mattcowan

Chief Appraiser specializing in accurate, compliant valuations and risk-aware decisions.

United States
Message

What I'm looking for

I’m looking to lead appraisal operations where accuracy, USPAP/regulatory compliance, and turnaround-time improvements are non-negotiable—while mentoring teams, standardizing processes, and making tough, risk-aware decisions.

I’m a professional appraisal expert known for precise assessments and strategic decision-making that align with organizational goals. I bring a calm, decisive leadership style—especially when “delivering results in an environment of utter chaos” matters most.

As Chief Appraiser (Cross Country Mortgage), I established and maintained a qualified panel of fee appraisers nationally and collaborated with lending teams to streamline appraisal requests and reduce turnaround times. I reconcile repurchase demands with GSEs and led the conversion from a third-party AMC to an in-house appraisal desk.

I manage large teams of reviewers and underwriters while driving operational efficiency through standardized appraisal procedures. I ensure regulatory compliance by staying current with industry standards and guidelines, and I lead comprehensive property valuation processes to protect accuracy and adherence to requirements.

Earlier, as a Staff RE Appraiser (Amrock) and Chief Staff Appraiser (eAMC), I completed residential valuations of complex properties, mentored appraisal trainees, and supported panel development and QC management. I also served as President (EagleAppraisal, P.C.), where I streamlined workflow with technology, strengthened client relationships, and led teams responding to catastrophe insurance adjusting after major disasters.

Experience

Work history, roles, and key accomplishments

CM
Current

Chief Appraiser

Cross Country Mortgage

Sep 2021 - Present (4 years 7 months)

Established and maintained a qualified panel of fee appraisers nationally and partnered with lending teams to streamline appraisal requests and reduce client turnaround times. Led the conversion to an in-house appraisal desk, managed reviewers and underwriters, ensured regulatory compliance, and implemented standardized appraisal procedures to improve efficiency and accuracy.

AM

Staff RE Appraiser

Amrock

Sep 2015 - Sep 2021 (6 years)

Completed residential valuations for complex properties and developed/mentored appraisal trainees as part of a company initiative. Led appraisal modernization efforts, published appraisal best-practice articles, supported agency projects, and drove business development with a national client.

EP

President

Eagle Appraisal, P.C.

Oct 2005 - Dec 2010 (5 years 2 months)

Implemented technology solutions to streamline appraisal workflow and reduce turnaround times while building strong client relationships that increased retention and referrals. Performed replacement cost inspections for municipal insurance across Michigan and led disaster catastrophe adjusting operations after Hurricane Rita, including deploying teams of up to 10+ appraisers/adjusters and setting

Education

Degrees, certifications, and relevant coursework

Eastern Michigan University logoEU

Eastern Michigan University

No degree, Business

Studied business at Eastern Michigan University.

Tech stack

Software and tools used professionally

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