Sandra Sanchez-Thom Email & Phone Number

San Francisco Bay Area

*Skilled in research and analysis to identify current real estate market trends for my geographical coverage area of San Francisco and San Mateo counties. *Appraisals completed in line with federal requirements, USPAP guidelines as well as lender requirements and documentation guidelines.*Effective communicator with demonstrated ability to analyze and articulate complex valuation issues and collateral risk.*Proficient with MLS (Multiple Listing Service), A la Mode Appraisal Software, CubiCasa (Digital Floor Plans), Realquest Public Records, Spark (Trend & Cost Analysis), Marshall Swift Cost Estimator, Microsoft Word, Excel and Power Point.

Reno, Nevada, United States

*Performed appraisals in line with federal requirements, USPAP guidelines and lender requirements and documentation guidelines. *Researched and analyzed relevant data to identify current real estate market trends.*Completed appraisals on Single Family, Townhouse, Condominium, Two-to-Four Family and Co-op properties in San Francisco and San Mateo counties. *Excellent property research, field work and communication with Clients on time driven and sensitive deadlines.*Proficient in URAR, URAR Hybrid, Small Income, Single Family Comparable Rent Schedule, Exterior-Only, Condo, Appraisal Update/Completion, Cooperative and Field Reviews.

San Francisco Bay Area

*Managed a residential appraisal review team performing nationwide reviews of up to 2,500 monthly reviews with an average turn time of 2 days. *Subject matter expert; provide guidance on complex valuations to internal and external partners. *Established workflow process & procedures to meet quality standards and turn time deadlines.*Leveraged underwriting and secondary market knowledge to support the credit and lending teams on appraisal scope, analysis and value reconsiderations.

Westlake Village, Ca

*Quality Assurance / Appraisal & Settlement Execution*Analyze, respond and negotiate claims against breach of representation and warranties.*Forensic Appraisal reviews to evaluate claims and perform detailed analysis with results clearly articulated in a persuasive argument.

Westlake Village, Ca

Certified Residential Appraiser with Nationwide Appraisal review experience, BPO reconciliation and REO analysis.

Westlake Village, Ca

*National appraisal review in support of re-purchase claim resolution.*REO property review and analysis for market value, repair bid analysis and negotiation of offers. *Negotiate with Investors to minimize loan trade fallout and loan rejects for valuation concerns.*Analyze and approve property risk on loan pools.

*Evaluation and analysis of residential real estate to determine market value; Certified Appraiser.*Provided Field and Desk reviews for major Lenders.*Managed mortgage loan Underwriting and due diligence audits on 'A" paper, Sub Prime, CRA, conforming and non-conforming loans.

*Evaluation and analysis of residential properties to determine market value.*Appraisal review and signing authority.*Risk analysis for overall credit risk determination.