Dear Prospective Employer

Please find enclosed my resume in application for a position with your organization. My resume shows my progressive work experience. I'm a self-propelled individual who is ready to make the next move on my career path. My knowledge of real-estate, property management, repairs, and maintenance, as well as my ability to sift through large amounts of information efficiently and accurately have made me a standout among my peers. I have constantly been asked to step up within my groups and analyze ways to streamline processes and produce results.

Sincerely

Sharonda Sails

RESUME

EDUCATION

Jefferson State Community College

Associate in Applied Science Finance Administration

Certificate Finance Administration

Completion of Basic Appraisal Course

Accelerated Risk Management Certificated in Lead Safety Renovation,

Repair and Repair of single family homes.

Center for Financial Training

General Banking Diploma

Operation Diploma

Mortgage Lending Diploma

Operation Certificate

Supervisory Certificate

Credit Analyst Certificate

Commercial Lending Diploma

Basic Lending Certificate

Graduate Real Estate Institute

Licensed Community Association Property Manager (inactive status)

Licensed Real-Estate Sales Agent FL. (inactive status)

Miami Springs Senior High 1982

EXPERIENCE

April 2008 - October 2011

Compass Bank

Asset Manager II

Assist Vice President

Manage REO assets of over $26M. in inventory consisting of residential lots, single family and commercial assets located in eight states. (AL,AZ,CO,FL,GA,TX,WI,MX.)Inventory is acquired from foreclosed default loans. Assign properties to vendors, contractors, realtors, and attorneys, monitor and oversee all activities and timelines. Negotiate costs for properties, including sales prices, concession, maintenance and repairs. Determine and approve the repairs to be completed to each property, based on cost, appraisal, and book price to increase revenue and limiting expenses. Monitor performance, and quality of repairs as well as vendor license and insurance coverage. Monitor and tract all seasonal related weather conditions that may arise within inventory platform. Coordinate and monitor the progress of occupied properties; evictions, litigations. Assist in the validation of legitimate tenant, lease occupancy status and monitor rent payments and active leases. Review and approve all preservation invoices for accuracy billing. Create forms and property statistic reports. Review and negotiate sales offer, and counteroffer, and addendum to contract. Develop marketing strategies and determine the best method of reducing loss. Analyzed appraisals, BPO’s, inspections, photos, and other sales related reports that may be presented to set accurate list price. Handle incoming property calls and providing property information. Import/Export data from central data system and provide same to management as well monitor crucial variables that make up every REO property from acquisition to final cost analysis. Implemented the procedures and guidelines for the Cash for Keys program. Write internal procedures for department and streamline process to provide accuracy and efficiency, create team coverage process. Assist in the work out of any personal conflicts or issues within the department as they arise. Present presentation of floor meeting slides. Manage multiple projects; provide reports to VP, SVP, and EVP.

Accomplishments

Maintained a monthly average listed portfolio of 300 properties

Annually disposed of an average of 735 properties, totaling over

$10 million in sales.

Promoted to Assist Vice President

BBVA Compass top performer 8/2011

Cross trained as Special Asset Manager

Cash for keys program

2005-2008

Compass Bank

Commercial Real-Estate Analyst

Effectively review and audit small business commercial real-estate loans that are handled through the Business Loan Center, with a maximum loan amount of $4 million. Review all due diligent appraisals, environmental assessments, and title/survey work to ensure approval conditions are met. Verify approval and due diligent are in accordance and comply with loan regulation and banks policy. Review all types of property due diligent (single family, auto shops, office, warehouse, retail, light industrial, light commercial), in different areas of the market (TX, AL, FL, CO, AZ). Verifying for competency of a given assignment, validating the scope of work performed for accuracy. Respond to inquiry, questions, and issues related to real-estate loans. Assist retail sales, small business, and business banking associates with real-estate due diligence. Complying within the scope of the Uniform Standards of Professional Appraisal Practice (USPAP), and Financial Institutions Reform, Recovery and Enforcement Act (FIRREA), as well as adhering to bank guidelines and policies with respect to real-estate lending.

July 2002- June 2005

Administrative Co-coordinator III /Real Estate Banking

Compass Bank

15 South 20th Street

Birmingham AL 35233

Provide administrative support to Corporate Operations Manager, Relationship Manger, and Assistant Relationship Managers in Commercial Banking.

Assist in the preparation of loan packages prior to approval, order and review document need to complete closing loan. Prepares loans for booking, and work with participation of others financial institution loans. Research titles, record and release mortgages. Monitor assigned portfolios for construction project completion, advancing of construction draws, payment. Assist with the collection of past due interest loan payments, process payment, transfers and wires. Provide professional customer service to” high value” corporate clients concerning all aspects of the corporate banking area.

October 2000-July 2002

Foreclosure/Collection Specialist

Compass Bank

100 Green Springs Highway

Homewood AL 35209

Determine and assign all actions preliminary to foreclosure proceeding. Ensures all accounts are followed through the foreclosure process and are handled in a timely manner. Review all real estate accounts submitted for proper documentation. Review title reports to determine mortgage position research and clear titles of liens that have been satisfied, judgments determine property owners, review settlement statements for prior mortgage payoff’s and other fee’s acquired at time of loan. Review current and old appraisal to determine property equity. Work directly with attorneys and customers for possible work out situations to avoid foreclosure actions, monitor and follow the status of the foreclosure. Complete and tract monetary transfer of funds being transferred to the SPA department. Assist in various reports for upper management.

1998-2000

Property Manager

Roberts Management

1840 NE 153rd Street

N. Miami Beach, FL 33162

Manage and maintain 50 plus condominium association is consisting of approximately 4000 units. Co-ordinate and schedule maintenance, repairs and improvements on or above the surface of the land. Prepare leases and subleases for unit owners. Prepare and process estopple inquires and screening for new ownership. Collect and post maintenance payments, send delinquent letters, research and resolve unit owner inquires, work with attorneys as to the recording of liens and preparations of foreclosure and bankruptcy claims. Assist with budget preparation, accounts payable, assist in payroll. Prepare various reports for board meetings. Prepare and post notices for members.

1996-1999

Realtor Associate

Keyes Company

Miramar, FL 33023

Prepare and present sales presentations to owners of residential & commercial property that are interested in selling or leasing their property. Research title and all claims to the property. Access and determine the value of land and improvements. Negotiate and prepare sales & listing contracts. Assist in the preparation of leases. Determine and negotiate mortgage and financing tool that is best suitable for the client. Attend inspection and closing of properties. Follow up with buyers and sellers and assist in any aspects until closing of the property. Assist other associates with computer training and preparation of presentations. Implement new marketing strategy for leasing and sales of various properties.

1996 1998

Accounts Receivable / Collection Manager / Human Resource

World Emblem Inc.

1690 NE 134th Street

Miami, FL

Maintain all function of the Human Resource Department & A/R Credit Department Interviewing potential employment applications, payroll of 200 employees, prepare and process workers compensation and unemployment claims. Handle and enforce all employee performance evaluations. Implement new department procedures. Head the A/R credit department, collection calls researching customer accounts applying cash receipts issuing credits to accounts, processing credit applications deterring credit limits to all accounts, scheduling shipments, billing, reconciliation of ageing and bank statements assigning of purchase orders, filing, sales support and customer service.

1989 1992

Research Clerk

Sunburst Farms

2200 NW 70th Ave.

Miami, FL

Researching all customer accounts, handling customer request, accounts payable accounts receivable, balancing ageing, sales support person, scheduling visits to farms from around the country, producing forms for office use, filing, processing credit application, collection call.

1988 1989

Accounting Clerk

Warren Henry Motors

19275 NW 2nd Ave.

Miami, FL

Paying new and used car sales, accounts payable, accounts receivable, filing, and transfer titles from new and used cars, sales support person, daily cash balancing, and office support person.

1984 1987

Customer Clerk

AT&T

Miami, FL

Installation of new telephone service, transfer service, sales of new equipment, researching long distance calls, processing credit application, shipping equipment, researching leases equipment, scheduling connection and disconnection service, all customer service duties.

1982 1984

Customer Clerk

Southern Bell

Miami, FL

Installation of new telephone service, transfer service, sales of new equipment, processing credit application, shipping equipment, researching lease equipment, scheduling, connection and disconnection of service, including all customer service duties.

SKILLS

Appraisal review, perform internal valuation, property inspection, property management, customer Service, telephone skills, filing, keypunch, fax machine, typing, Windows, Microsoft, Excel, copy machine, appointment-scheduling, producing new forms, decision making, accounts payable, accounts receivable, collection, negotiating and marketing real estate, skills to do a complete property analysis. Able to retain and apply new concepts, work independently, exercise good judgment, good communication skills, and good organizational skills. Knowledge of Section 8 vouchers and certificates programs, State of Alabama Notary. Knowledgeable of varies of Real-estate document. (I.e. title, notes, mortgages, surveys, appraisals, flood cert. Inspection of new developed homes.

Twice recipient of Compass Way Award.

REFERENCES

Available upon request.

Contact this candidate