Real Estate Sales

A. BEVERLY COLE

*** **** ***** **** 818-***-****

Glendale, Calif. 91206 E-Mail: abiafg@r.postjobfree.com

Professional Experience

FDIC Jacksonville, Florida

DRR Specialist in Risk Share August, 2010- Present

Loan Modification with emphasis on Legal interpretation / consumer protection issues.

CR FOODS, LLC Fort Lauderdale, Florida

HR Diversity and Supplier Diversity Officer May, 2007 to December, 2009

• Negotiated suppliers’ contracts, policies and procedures, drafted employment manuals.

• Involved in workout negotiation with extensive mortgage and extensive loan knowledge.

• Lease and loan modification including cost segmentation strategies with NNN Landlords.

• Turn-around fast food restaurants with over 225 employees increasing FY 2008 sales by

1.85% over the seller’s prior year sales in a down economy.

• Reduced FY 2008 food costs by 5.51%, and labor costs by 8.91%.

• Advised and structured successful sale of business after Quick Food Service industry

nationwide took at 32% downturn in April, 2009.

• Managed Diversity, Gender based and ethnic employment issues

• Managed Diverse Hiring, recruitment of all levels of employment and reporting needs.

COLE RENWICK, LLC Los Angeles, California

Legal and Contract Negotiator April, 2004 to December, 2009

• Worked with distressed apartment buildings and lenders in all mortgage matters.

• Analyzed new business ventures, prepared feasibility and market studies / analysis.

• Prepared business plans, valuations, board minutes, resolutions and tax appeals.

• Commercial Property Loan Modification and Work-Out Experience with Cost Segmentation

experience of residential, commercial and REO properties.

• Section 8 and housing law working with tenant matters, handling complaints.

• Transactional experience, handling all documents; mortgage and loan documentation.

• Brokered various commercial real estate properties in affiliation with NAI Capital Corp.

• Each year over five year period increased rents by 8% and reduced expenses by 4.87%.

• Obtained Tax Credit allocation for affordable housing units

• Obtained mortgage payment reductions of 17% and tax reductions with a high of 27%.

WALT DISNEY COMPANY

Burbank, California

Director of Diversity and Supplier Diversity Program September, 1995 to April 2004

• Increased Minority and Women Owned Business by 248% and assisted Disney in

becoming one of the top 10 companies among “best” U S Supplier Diversity Programs for

six years

• Disney Supplier Diversity Program became a benchmark program for both the

entertainment and top Fortune 100 companies.

• Strategic Sourcing and procurement responsibilities. Director of Diversity Issues.

• Drafted RFPs and contract language, insuring inclusion of MWBE language for all contract

areas of the company. Trade show attendance and identifying minority talent.

• Inter-departmental alliances and teams to implement diverse vendors and suppliers.

• Sought “buy in “from business units regarding vendor solicitation process.

• Innovator with MWBEs receiving non-traditional contracts in Treasure, legal and other

areas.

• Community relations and business development that included minority supplier inclusion.

• Reported to federal, state and county representatives regarding diversity matters.

EASTMAN KODAK COMPANY Rochester, New York

Director of Diversity and Supplier Diversity Program April, 1991 to September, 1995

• Implemented and directed National Recognition Supplier Diversity Program ranked among

top 20 companies for three years.

• Drafted and negotiated RFPs, contracts, bid process and monitoring for cost efficiencies.

• Led Small Business Program developing business case, analyzing risk guidelines and

implementing policies and procedures with internet tools for corporate-wide compliance.

• Implemented the first mentor protégée program in the manufacturing industry.

• Handled federal audits for federal contract program with EEOC and compliance tasks.

• Extensive public relations handling media needs.

Director, Corporate Real Estate Financial/ Strategic Planning, Public Affairs

• Nationally recognized corporate real estate department recognized as "best in class" in

maximizing the value of corporate real estate asset valuation.

• Extensive real estate experience with financial, lending and collateral security issues.

• Managed underperforming real estate assets preparing assets.

• Led corporate team in conflicts management real estate negotiations process comprised

of public, private and citizen stakeholder groups to dispose real estate.

• Received State of California recognition for winning public/private partnership.

• Coordinated transaction processes with government and commercial developers.

• Performed financial modeling with sale /leaseback buy / lease, net present valuation

analysis, sensitivity analysis, economic and trend analysis, business modeling.

PowerPoint, Excel, and Word computer skills.

• Extensive financial modeling and supporting presentations to submit decisions.

• Worked on several real estate dispositions and lease renegotiations.

DEPARTMENT OF TREASURY (OFFICE OF THRIFT SUPERVISION) (OTS) New York, NY

Senior Bank Examiner/ Bank Fraud Investigation Specialist Feb., 1990 to Mar. 1991

• Selected member of joint OTS and Resolution Trust Corporation (RTC) bank closing

teams to investigate bank fraud, responsible for preparing evidence files and findings.

• Reviewed and wrote policies and procedures for problem loans.

• Analyzing lending and funding structures of real estate and commercial real estate

transactions, including analysis of P/L statements to determine lender’s safety and

soundness and bank liquidity ratios.

• Expert in short/long term investments where rectified bank lending policy errors.

• Verified accuracy of loan closing documentation.

• Reviewed commercial lending packages of multi-family, industrial and office buildings.

• Conducted Community Reinvestment Act (CRA) audits reviewing discrimination issues.

JAE PROPERTIES San Francisco, California

Mergers and Acquisition Consultant September, 1988 to February, 1990

• Participated in team due diligence and negotiations to purchase Thrift institutions.

• Worked closely with OTS in all areas of transaction process.

MATTHEWS & WRIGHT, INC. New York, New York

Vice President February, 1986 to September, 1988

• Started taxable finance department.

• Involved in strategic planning for new products addressing cost, break-even analysis, profit

margin analysis, budgeting and marketing of new product development.

• Presented marketing “road shows” for new investment products. Key contact person.

• Negotiated with rating agencies, legal and accounting to obtain issuance ratings.

• Prepared placement documentation and presented marketing presentations to lenders,

investors and municipalities for asset-backed deals: Collateralized Mortgage Obligations.

MERRILL LYNCH CAPITAL MARKETS New York, New York

Investment and Institutional MBA Sales Intern May, 1983 to August, 1986

• Involved in due diligence for secondary market transactions.

• Involved in transactional area of Commercial Paper, i.e. the Short Term Desk which

provided overnight funding to financial institutions.

• Structured the underlying mortgages which were pooled to form FNMA, Freddie Mac and

GNMA securities.

• Business development experience via road shows and presentation to clients.

UNION CARBIDE CORPORATION New York, New York

Staff Attorney, Consumer Product Division June, 1977 to August, 1981

• Drafting and preparation of business unit contracts, closing documentation, commercial,

mortgage, and lease review. Extensive Contract experience and negotiations.

• Reviewed marketing literature, advertising and talent contracts for the Consumer Products

line and the EverReady Battery brand.

• Involved in complex negotiations, interrogatory preparation, personal injury and contract

litigation, (Bhopal Chemical Accident) with subject matter expertise in contract, advertising

and securities law.

• Performed corporate due diligence for acquisition of division and assets.

• In-house Litigation Team preparing correspondences and managing outside attorneys,

working with interrogatives, depositions, evidence collection and other litigation matters.

Education

The Wharton School MBA Finance and Marketing 1983

Fordham University JD Real Estate and Contracts 1977

Boston University, BA Asian Studies 1973

Teaching Experience

Continuing Education Instructor in New York University - Real Estate and Contracts

Entrepreneur and Marketing Speaker at Barry University, Miami, Florida

Licensing

New York State Bar District of Columbia State Bar

Community Involvement

Board Member or Corporate Advisor of Hispanic Business Association, Native American Chamber,

Black Business Association, National Association of Women’s Business Owners, Asian Business

Associations and Gay and Lesbian Chambers of Commerce.

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