Heather Sica Email & Phone Number

Charlotte, Nc, Us

Gastonia, North Carolina, United States

• Measure and list residential real property structures for tax assessment purposes.• Differentiate and identify quality grade, depreciated physical condition, foundation type, roof type, interior/exterior wall type, number/type of rooms, heating/cooling system, types of building attachments, etc., of all real property structures encountered.• Completed state audit involving the measurement and verification of all property improvements for 1% of county parcels.• Conduct damage assessments of real property throughout the county following natural disaster alongside emergency management and building inspectors to ensure that the county meets the state and federal requirements during a natural disaster for FEMA and insurance purposes.

Vail

• Orchestrated the seamless management of operations across 3 branch locations, optimizing efficiency and maintaining consistent service quality, while exhibiting a proven track record of excellence in consumer and commercial lending, consistently surpassing the ambitious $30M annual loan origination sales goal.• Provided hands-on guidance, mentorship, and professional development opportunities to loan officers, branch managers and their teams. Instituted regular performance reviews and feedback sessions to maintain high standards of operational excellence.• Loan negotiation, credit analysis, collateral analysis, loan origination, and monitoring of residential mortgage loans, land loans, construction loans, residential development loans, business loans and commercial real estate loans including multi-family, retail, industrial, mixed use, and hotel.• Completed internal valuation reports for residential and commercial properties held as collateral on business and commercial purpose loans utilizing tax records, MLS, local realtors, previous appraisals, leases, census and labor statistics, and local chamber of commerce sites. • Completed personal property valuations for business assets including fleet vehicles, specialized tools and equipment, utilizing online sales data and comparable analysis.• Pioneered the conceptualization and implementation of the innovative Loans to Homeowners Associations program. This encompassed the meticulous formulation of loan policies, precise definition of loan terms, and close collaboration with attorneys to craft comprehensive loan and security agreement documents. This initiative diversified the bank's lending portfolio and generated a new avenue of revenue.• Cultivate enduring client connections through targeted product sales programs, customer development, client networking opportunities, and community outreach promoting cross-selling and upselling of banking products, contributing to increased revenue generation.

Vail, Colorado, United States

• Spearheaded the delivery of top-notch customer service, fostering strong client relationships and ensuring high levels of customer satisfaction. Devised and implemented action plans to address performance gaps and drive productivity.• Reviewed residential and commercial property appraisals to ensure minimum standards were met, comparables were relative within the sub-market, and valuation was bracketed.• Originated and monitored construction loans including initial and ongoing budget review, monthly collateral inspections, title review, review and approval of all builder agreements, contracts, and loan draws to ensure the project progressed on-time, as proposed, and within budget.• Executed business strategies, resulting in notable increases in branch revenue and successful customer acquisitions in areas like commercial lending, construction lending, and business lending. Cultivated strong relationships with high-net-worth clients, facilitating cross-selling endeavors that positively impacted revenue and business development.• Ensured stringent regulatory compliance, adhering to credit approval processes and acting as an SBA Partner Lender. • Positively presented credit requests for approval to loan committee, showcasing complex financial analysis skills. This contributed to informed credit decisions and successful loan terms and contract negotiations.• Played a pivotal role in reinforcing security protocols by conducting comprehensive employee training, consistently monitoring security systems, and proactively updating the business continuity plan. • Managed the occupancy of multiple branch locations, residential and commercial condominium units. Responsibilities included review of tenant leases, lease negotiations, enforcement of parking agreements, rent collection, and residential property management agreements.

Vail Village Ski School

Responsible for ski lesson and ticket salesBook and confirm private lessonsProvide excellent customer service for customers and ski instructors and maintaining clear, effective communication between the two groups.

Bachelor Of Science In Business Administration, Business Administration And Management, Gpa: 3.61

Trainee Real Estate Appraiser

Basic Appraisal Procedures Basic Appraisal Principles 15 Hr National USPAP Supervisor-Trainee Course

Diploma Of Graduation

The Wharton School of Business Wharton Leadership Program