You were hired to do a field review appraisal, if you find the appraisal to be inaccurate, report your findings to the lender. As to the previous appraiser not being accompanied by a certified appraiser, as Hoppy indicated, it may be a he said-she said thing. I've found over the years that home-owner's always complain AFTER they decide they don't like the value. I'm guessing in your state trainees must be accompanied by a cert. It was that way in PA for years, now they are changing that stip. A bad move, IMHO. BUT, if you have concrete proof that trainees are doing inspections unsupervised, than nail him to the wall.
As to The Duck's concern about spelling, well, I have to agree. I don't care if I'm writing a note on a napkin, as my 8th grade English teacher said ad nauseam : Spelling Counts!
TC