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RICHARD DUESS_ JR

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									RICHARD DUESS, JR.

                                                              CLIFFSIDE APPRAISAL, L.L.C
                                                              15 Douglas Drive
                                                              Towaco, New Jersey 07082
                                                              973-394-9203/ 973-394-1095 FAX
PROFESSIONAL EXPERIENCE

1998 – Present   CLIFFSIDE APPRAISAL, L.L.C., Towaco, N.J.
                 President – Established full service Real Estate Appraisal Company.


1996-1998        INDEPENDENT FEE APPRAISER


1993-1996        UNITED EVALUATORS, INC., Whippany, N.J.

                 Manager/Fee Appraiser- supervised large staff of appraisers covering the
                 entire State of New Jersey. Corresponded with Banks and mortgage companies
                 regarding all facets of the appraisal process. Proof read and approved appraiser
                 reports. Performed property inspections and appraisal writing.


1983-1993        WEST ESSEX SAVINGS BANK, CALDWELL, N.J.

                 Promoted to Vice President in 1986- involved in all phases of mortgage lending
                 from origination to closing. Primary responsibility real estate appraisals and loan
                 collateral analysis. Member Appraisal Committee and Advisory Board


EDUCATION

1979-1983        VILLANOVA UNIVERSITY - B.A. Degree

                 American Institute of Real Estate Appraisers 1984-1987
                 Society of Real Estate Appraisers 1986-1991
                 American School of Business 1991-1997
                 N.J. League of Savings Institutions 1983-1989
                 United Business School of 1995
                 Professional School of Business 1995


LICENSES &
CERTIFICATES

                 N.J. State Residential Real Estate Appraiser
                 License # 42RA00099900 – January 1, 1992 – Present
                 N.Y. State Residential Real Estate Appraiser
                 License # 47000043152 – November 24, 2003 - Present

                 REFERENCES AVAILABLE UPON REQUEST

								
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