Howell S. Graham

Education

University of North Carolina at Wilmington, Cameron School of Business: BS Business Management, 1985

Course R-1: Introduction of Real Estate Appraisal, 1991
Course R-2: Valuation Principles and Procedures, 1991
Course R-3: Applied Residential Property Valuation, 1991
Course G-1: Introduction to Income Property Valuation, 1991

Experience

1991 - present	Joseph A. Robb & Associates, Wilmington, NC Partner/Residential Appraiser
1989 - 1990	Coldwell Banker Hanover Realty, Wilmington, NC Leasing Agent
1988 - 1989	Coldwell Banker Hanover Realty, Wilmington, NC Realtor

Certification/License

North Carolina State Certified Residential Real Estate Appraiser, 1991: Currently certified including criteria established by the appraiser Qualification Board of The Appraisal Foundation (effective March 27,1991)
North Carolina Real Estate Brokers License: No. 102689, 2006
North Carolina Real Estate Salesman License: No. 102689, 1987
FHA Approved Appraiser

Professional Affiliations

Affiliate of the Year, Mortgage Bankers Association of Wilmington 2003
Past Director, Wilmington Regional Association of Realtors
Past Treasurer, Wilmington Mortgage Bankers Association
Past Director, Wilmington Mortgage Bankers Association
Realtor in the National Association of Realtors, North Carolina Association of Realtors, Wilmington Association of Realtors
Member of the Wilmington Chamber of Commerce

Clientele

AAXA Discount Mortgage
Alpha Mortgage
Bank of America
BB & T Bank
BB & T Mortgage
Charter One Mortgage
Coastal Savings Bank
Countrywide Funding
Dover Mortgage
First Charter Mortgage
First Citizens Mortgage
Habitat for Humanity
National City Mortgage
Pinnacle Financial Corporation
Southeast Mortgage Corporation
Shoreline Mortgage
Sun Trust Bank
Sun Trust Mortgage
Wachovia Bank
Wachovia Mortgage
Wachovia Trust Department