Steven R. Gragg

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Real estate professional with more than 30 years of experience directing real estate services, complex real estate projects and activities. Comprehensive background includes expertise in commercial real estate property valuation, brokerage, property management and real estate development. Offers the highest level of performance excellence, personal integrity and business ethics.

  • Exceptional ability in defining, analyzing and solving real estate problems in alignment with organizational vision and revenue objectives.
  • Collaborate and communicate with internal colleagues, management, real estate professionals and leaders within the community to meet operational goals.
  • Analyze, determine and revise policies and procedures that are congruent with strategic business plans and regulatory requirements.
  • Active in numerous local, national and international real estate trade associations, developing an extensive network of professional contacts.


Gragg Risk Management LLC / Scottsdale, Arizona / Present

Director - Chief Appraiser at MUFG Union Bank / Orange, CA / 2012 – 2017

Direct activities for Commercial Appraisal Section (CAS). Service all credit and lending functions within MUFG
Union Bank, a $110 Billion institution lending on commercial real estate across the U.S. Eight major bank units
and their sub‐units rely on CAS to include real estate industries, commercial banking, business banking, trust real
estate, credit administration and corporate real estate (bank owned office buildings and branches).

Regional Partner - Senior Managing Director at Cushman & Wakefield Inc. / Phoenix, AZ / 2006 – 2011

Managed daily operations of 15 to 20 members of the Valuation and Advisory group. Territory comprised of
Arizona, Nevada and New Mexico. Oversaw all certified professionals and administrative support personnel.

Manager of Real Estate Litigation Services / PricewaterhouseCoopers LLP / Phoenix, AZ / 2004 – 2006

Managed team of professional consultants solving complex real estate issues and providing litigation throughout
the United States. Served as staffing manager for Phoenix group of ten associates.

Director of Acquisitions / Suncor Development Company / Phoenix, AZ / 2001

Researched and identified land acquisition opportunities for premiere Southwestern developer and homebuilder
of master planned communities in Arizona, New Mexico and Utah, generating $60 Million in assets and annual
revenues of $160 Million.

President - Chief Operating Officer - Designated Broker / NAI Horizon / Phoenix, AZ / 1997 – 2000

Managed daily operations and supervised Division Vice Presidents, brokers, property managers, administrative
and maintenance staff. Oversaw P & L for approximately $5 Million in gross revenues from all divisions.
Designated Broker for review and signing of all real estate documents required by Arizona Department of Real
Estate. Member of the NAI Management Committee.

Vice President - Chief Appraiser / Southwest RegionFirst Interstate Bank / Wells Fargo Bank / Phoenix, AZ / 1992 – 1997

Managed five offices and staff of approximately 35 in a six‐state region for this “top 10” banking corporation with
assets in excess of $200 billion. Administered a $1 million operating budget. Managed contracting, valuation and
review of $4.8 billion of commercial real estate in one year. Implemented improved policies, procedures and
operations to improve regulatory compliance and customer service.

Other Notable Works


  • Master of Business Administration
    Arizona State University, Tempe, AZ
  • Bachelor of Business Administration / Finance & Real Estate
    The University of Texas, Austin, TX
  • Graduate, Northwest Intermediate Banking School
    University of Portland, Portland OR
  • Extensive Real Estate Appraisal and Brokerage Coursework and Seminars


  • “Appraisals and Evaluations – Matching Valuation Products to Credit Risk”
    The Appraisal Journal, October 1996, Page 356 ‐ 362
  • “Report and Recommendations of the 1991 Young Advisory Council Meeting”
    The Real Estate Appraiser & Analyst, August 1991, Page 54‐66
  • “Appraisers’ Relations with the Lending Industry”
    The Real Estate Appraiser & Analyst, fall 1990, Page 54‐57

Appraisal Certifications & Broker Licensions

  • State of Arizona, Certified General Real Estate Appraiser #31129
  • State of Arizona, Real Estate Designated Broker License #SE50962
  • State of California, Certified General Real Estate Appraiser #AG034346
  • State of Nevada, Certified General Appraiser #A.0005249‐CG
  • State of Utah, Certified General Appraiser #5478786‐CG00
  • State of Texas, Certified General Real Estate Appraiser #TX 1321992 G
  • Previously certified in CO, LA, NM, SC, and WY

Speeches & Presentations

  • “Commercial Real Estate Valuation Issues,”
    RMA’s Commercial Real Estate Managers Forum, Las Vegas, NV
  • “State Licensing Challenges for Bank Review Appraisers,”
    RMA Chief Appraiser Round Table, Scottsdale, AZ, Austin, TX, San Diego, CA
  • “Desktop Valuations,”
    Union Bank, Seattle, WA

Community Volunteeting

  • St. Luke’s Health Initiatives – Board of Trustees
    + Member of Audit & Finance Committee 2005 – 2008
  • Hon Kachina Council – President 2004
  • Texas Exes ‐ University of Texas Alumni Association
    + National Council Member, Chapter Advisory Board Member 2008 ‐ 2014
    + Phoenix Chapter President 2007
  • Phoenix Chamber of Commerce – Phoenician’s Committee
    + Board Member, Rookie of the Year Award, Trip of the Year Award
  • Phoenix Art Museum – Men’s Arts Council
    + Investments Committee Chair 2008 – 2010
    + West Select Sale & Exhibition Chair 2010
    + MAC of the Year Award 2011
    + MAC of the Year Award 2011