A licensed or certified appraisal will always trump an evaluation. What concerns me is the (either internally or externally (borrower)) statement. The borrower has no say in you determining the collateral value. That is your concern is that the borrower appears to be influencing your appraisal and evaluation process. So, if your appraisal and evaluation review team does not approve the evaluation, then yes, then it could move to an appraisal. But the borrower gets no say in the matter. If this is happening more than occasionally, and the ultimate appraisal is providing you a value with any sort of significant variance from your evaluation, then your evaluation process is flawed.
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