Jesse Lukes
Report writer & audit specialist
Jesse Lukes is the report writer and audit specialist at Lukes & Lukes. He came up inside the bank, originating loans and reviewing collateral at BMO, and that lender fluency is the difference you feel in the report.
Role
The report reads the way a lender reads it.
Jesse came up inside the bank. He originated loans and reviewed collateral at BMO, and he has written appraisals alongside the firm for years. That background is the difference you feel in the report: Jesse reads a file the way a credit officer does, so a Lukes & Lukes appraisal answers a lender's questions before they are asked.
Most appraisal firms are appraiser-only. Pairing the appraisal craft with genuine lender fluency is what makes a report land cleanly on a credit desk, an SBA file, or an examiner's review. Jesse writes the narrative, checks the file against how it will actually be read, and brings an audit specialist's discipline to the documentation.
Background & standard
Banking experience, inside the report.
Years of loan origination and collateral review at BMO give Jesse a working knowledge of what underwriters, the SBA and examiners look for. Every report he writes is prepared under USPAP and built to withstand lender, SBA, IRS, audit and legal review.
- Loan origination and collateral review experience at BMO
- Lender-fluent, so the file answers a credit officer's questions up front
- Audit discipline in scope, narrative and documentation
- USPAP-compliant reporting, defensible on review
Where he works
Where the file meets the lender.
Jesse's banking background is felt most in the situations where a credit desk, the SBA or an examiner reads the report closely.
- Lending & collateral: OLV, NOLV and FMV for equipment loans and asset-based lending.
- SBA financing: 7(a) and 504 equipment appraisals prepared to the SBA SOP standard.
- Litigation & expert witness: documentation built to hold up under examination.