Meet the Team

Nathan Westwood



Nathan Westwood is in his tenth year of commercial lending with Bank of America. During this time period Mr. Westwood has held numerous positions and has been responsible for underwriting and structuring both straightforward and complex credit transactions. Nathan currently manages a portfolio that consists of real estate loans, lines of credit and other bank related products. A primary responsibility of Nathan's, when structuring real estate loans, is to fully understand and review accompanying real estate appraisals.


Nathan began his university education at Southern Utah University before transferring to University of Nevada, Las Vegas where he received his Bachelor's Degree in Managerial Finance. Mr. Westwood obtained his Master of Business Administration from Weber State University and was selected to Bank of America's prestigious Credit Fundamentals 18-month training program. Nathan enjoys spending time with his wife Amber and their five children, as well as vacationing and fishing.




Karsten Reed



Karsten has over 10 years of experience in real estate analysis, consultation and valuation. Throughout his career, he has analyzed and supervised the analysis and valuation of a variety of types of real property. He has worked with numerous federal agencies including the Veterans Administration, and HUD. He has also worked extensively with Freddie Mac and Fannie Mae. In the private sector, Karsten has worked with numerous Financial Institutions.


Karsten grew up in Saudi Arabia and enjoys traveling the world.  He resides in Southern Utah with his wife and 4 kids.  Karsten is an educator for real estate and frequently teaches people about USPAP and other appraisal guidelines.




J David Westwood



As general counsel and Privacy Officer, Mr. Westood is the principal company legal officer and is responsible for oversight and leadership of all legal aspects of the business, including corporate affairs, strategic corporate initiatives, mergers, acquisitions, and other complex transactions, litigation, privacy governance and board activities. In addition Mr. Westwood operates a private practice which focuses on Corporate Banking.  Mr. Westwood is a regular presenter before corporate boards, foundations and professional organizations and is active in and serves on the board of directors of a number of organizations. Mr Westwood Graduated from the Sandra Day O'Connor College of Law as a Pedrick Scholar and has been admitted to the Utah and Arizona State bars as well as the Utah and Arizona Federal District Courts. Mr Westwood has also been admitted to the 9th Court of Appeals. David enjoys spending time coaching his children’s sports teams, fishing, golfing and speaks fluent Cebuano.




Chad Westwood



Chad has extensive experience in marketing. Prior to joining Southern Utah Appraisal Management, Chad was Vice-President of residential lending for a large community bank where he focused on expanding the market share of the bank. Chad has a broad background in various aspects of operations, sales, and marketing management. Chad has a bachelor’s degree in Accounting from Southern Utah University.


Chad is heavily involved in the Southern Utah community where he serves on the boards of local organizations and is involved in different service associations. Chad was also Defensive Lineman for the Southern Utah University Tbirds. GO Birds!




John R. Westwood



John was born and raised on a dairy farm in Southern Utah. He graduated with a BS degree in Business and Finance from Southern Utah University.  John did post graduate work at the Pacific Coast Banking School in Washington State.  Prior to joining Southern Utah Appraisal Management, John worked at State Bank of Southern Utah for over 35 years, most recently holding the position of CFO and continues to serve as chairman of Southern Utah Bancorporation.


John is married to Mary Ellen Schmutz and they are the proud parents of 5 children.  John has served his community as a member of the city council and is currently serving in the Utah House of Representatives. Additionally John has earned scouting's highest honor the Silver Beaver Award.




Spencer Reed



Spencer has been working in banking for six years, most recently as branch manager. He has extensive knowledge of the mortgage origination process, deposit banking, and loan underwriting. Spencer is a credit expert within his organization and is sought after for advise with credit approval, due diligence and stipulations. Spencer preforms complex financial analysis in addition to managing a team of bankers. He is responsible for hiring, coaching, customer service, sales, and operations.


Spencer graduated from Brigham Young University with a bachelors degree in Economics. He was on the men’s rowing team at Syracuse University that went to nationals in 2005. Spencer resides with his wife and two children in Southern Utah. They make annual trips to France and Italy to visit in-laws.

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