Real Estate Customer Service

Qualifications Summary

Certified Residential Real Estate Appraiser with over 10 years experience in lending and appraisal experience. Proven track record of successfully exceeding client expectations and exceeding production goals in a fast paced, detail oriented national review/valuation environment. Excels in:

• Residential Real Estate Appraising

• Strong self-confidence, good judgment, sound decision making and problem solving skills

• Independent thinker who is proactive and aggressive yet professional when dealing with peers, superiors, vendors, field reps and customers

• Ability to handle a high stress, fast-paced environment

• Successfully meeting or exceeding established project/production requirements and deadlines with no supervision

• Excellent analytical and communication skills (both verbal and written)

• Customer Service

• National Residential Appraisal Review

• Ability to work extended hours and travel at a short notice

Professional Experience

State Certified Residential Appraiser – Florida License RD6406 / FHA Roster

Valuation Analyst III – Fannie Mae 2012- 2013

Responsible for valuation of properties for resale, on a national scale, including rehabilitation/repair estimations on properties with minimal to severe deferred maintenance. Assigning an As-Is and As Repaired values to the properties as they are prepared to be placed on the market for sale to the public. Accurately reconciling Appraisals and BPO’s and meet execution rates in line with FNMA guidelines of 95-105% accuracy. Apply current market conditions to each valuation using regional MLS data, regional market trends and performing DOM (Days On Market) analysis. Conduct research and analysis on client collateral utilizing expertise, internal/external property valuation tools and resources. Assessing collateral’s compliance with current zoning and any corrective action that may need to be taken to ensure zoning compliance. Determine appropriate actions to take in accordance with department and company policies. Manage and prioritize caseload of pending and active cases. Maintain unsupervised valuation productivity that is in line with, or exceeds the department's benchmarks. Respond to valuation questions and disseminate valuation guidelines and requirements with internal and external customers. Participate in monthly round tables with field representatives to ensure we are receiving the proper information needed from the field appraisers to accurately complete our cases. Work with other teammates and department managers to improve workflow and case accuracy.

Appraisal Analyst I/National Review Appraiser – SunTrust Bank 2011- 2012

Appraisal Analysts are responsible for reviewing property valuations to ensure compliance with Federal/State law and SunTrust Risk policy to ensure that loans secured with real estate are protected with adequate collateral value. Analyze property valuations to ensure compliance with Federal/State law and SunTrust Risk policy. Have thorough understanding of appraisal compliance and generally accepted appraisal rules as well as extensive experience using appraisal and market evaluation tools. Have extensive knowledge of bank policies and procedures and the knowledge of how to handle sensitive and private client information in compliance with these policies and procedures. Have the ability to review both ValueNet and 1004 valuation reports, identifying potential problems in these reports including USPAP compliance, errors in methodology, errors in reconciliation, discussing these problems with senior appraisers, vendors and field appraisers. Perform desk review of appraisals. Conduct research and analysis on client collateral for lending purposes. Document conclusions on internal electronic checklists. Compose communications of inadequacies to vendors that were identified through the review process. Ensure revisions completed in timely manner. Manage and prioritize caseload of pending and active appraisal reviews. Maintain review productivity in line with the department's benchmarks. . Maintain thorough and up-to-date knowledge of all bank guidelines, products and systems that are pertinent to the loan review process, as well as USPAP.

Staff/Field Appraiser – Southern Appraisal Group, Altamonte Springs, FL 2010- 2011

– Grande Appraisals, Oviedo, FL 2003- 2011

Responsible for physically inspecting, measuring and assessing the condition of collateral on behalf of various clients, which include private mortgage lenders as well as large name brand banks. Analyzing current market conditions and recent sales to determine current market value of single-family homes, town homes, condominiums, real estate owned (REO) properties, mobile and manufactured homes, vacant land and multi-family properties of up to 4 units in the Central Florida area. Responsible for analyzing market conditions and sales to determine retroactive market value while performing review appraisals and retroactive drive by appraisals. Consistently exceeded production expectations with fast turn times and report accuracy. Effectively communicating with lending institutions, brokers, real estate agents and property owners determining the correct course of action when assessing a particular property. Weighing the impact of external economic influences, market appeal and current market trends influencing property value. Having knowledge of construction techniques to estimate cost to cure for deferred maintenance and understanding market reaction to these needed repairs. Responsible for dispute resolution with lenders including mediation between appraisers and lenders. Responsible for all written reports, correspondence and oral presentations communicated to clients. Maintaining current knowledge of USPAP guidelines and Florida Law pertinent to my position as a certified appraiser in Florida.

Education

Bachelor of Science in Electrical Engineering, Florida Institute Of Technology, Melbourne, FL.

Beginning in May 2003, attending Steve Williamson Real Estate School, Longwood, FL. with the completion of ABI and soon after the completion of ABII which was the required education to obtain my State-Certified Residential Real Estate Appraiser license in Florida. Every two years since, taking necessary CE (continuing education) classes to maintain my license’s active status.

Trained in the following Industry Programs

ACI Report, Redbell, Multiple state MLS systems, Lambda, ValDash, Assentio, CMS, Equator, Alpha, Darts, Trax, MS Word, MS Excel, MS Office, ACAPS, WinTotal, various county GIS & Property Appraiser websites when necessary.

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