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Jeff Garvin
Jeff Garvin, MAI, is the Director of Appraisal Services and Chief Appraiser at Bank OZK, bringing nearly 40-years of appraisal experience and more than 20-years in banking across four financial institutions. He leads appraisal risk management across commercial and consumer lending platforms.
He is also a leading advocate for modernization of appraisal data. Mr. Garvin helped lead the Banking Real Estate Appraisal Valuation Exchange (BRAVE) initiative, a collaborative, industry-driven standard that pairs the traditional appraisal report with a structured data file. BRAVE improves review efficiency, data integrity, and the ability of financial institutions to reuse appraisal information throughout the life of a loan.
Garvin’s professional philosophy emphasizes a risk-based approach to appraisal review, aligning review depth and analytical rigor with transaction risk, collateral complexity, and regulatory expectations to support sound credit decision-making.
As residential appraisal workflows move toward more structured data environments, appraisers face a fundamental shift in how analyses are communicated, reviewed, and standardized.
This session explores what residential professionals should expect as structured data adoption increases, from evolving review expectations and report consistency requirements to stronger documentation of market areas, conditions, and support for conclusions.
Rather than treating structured data as a compliance burden, this session frames it as an operational shift that will redefine quality, defensibility, and efficiency in residential valuation practice.