Professional Experience:

October 2008 - Present     Be Happy Realty.com, Quincy, MA

Owner, Residential Real Estate Broker 

Provide brokerage advisory services on all residential real estate property types, including mixed use and vacant land, for owner and investment purposes

• Implementing business plan
• Principal duties included the formation and review of Purchase & Sale Agreements, business development and client relations, and the training of new employees.  

October 2000 - Present     Request for Appraisal.com, Quincy, MA

Owner, Residential Real Estate Appraiser

Provide valuation advisory services on all residential real estate property types, including mixed use and vacant land, for lending and asset management purposes

• Implementing business plan
• Principal duties included the formation and review of residential appraisal reports, business development and client relations, and the training of new employees. 

October 1999 - October 2001     CRF Partners, Inc., Wakefield, MA

Associate, Commercial Real Estate Broker 

Assisted in the representation of commercial landlords, tenants, owners, and investors in the sale and leasing of office, industrial, and retail properties in the Greater Boston market

• As the firm’s only junior-level broker, provided professional support to the firm’s three principals
• Prepared office space surveys, quarterly market reports, request for proposal, letters of intent, lease analyses, commission agreements and reviewed commercial leases
• Responsibilities included originating new clients, preparing for client meetings, coordinating marketing efforts, attending client meetings and responding to inquiries, assisting team in networking and interfacing with industry peers and clients  

July 1997 - October 1999     Cushman & Wakefield of Massachusetts, Inc., Boston, MA

Senior Commission Accountant, Brokerage Department

Solely manage all the accounting functions pertaining to the Brokerage departments of the Massachusetts, Connecticut and New Hampshire offices; consisting of 41 brokerage professionals

• Developed expertise in the analysis of commercial real estate documents
• Abstracted leases for relevant business terms, identified contingencies, concessions & options, and calculate net-effective rent, total aggregate value & the commission earned
• Principal duties included the formation of all month, quarter and year-end financial reporting, issuing internal/outside broker payroll, monthly invoicing of outstanding receivables, compilation of daily bank deposits, and the reconciliation of ‘Reimbursable Expense Accounts’ i.e., client, employee, transaction, and departed-deficit broker 

Key Achievements: 

• Awarded ‘1997 New England Area, Employee of the Year’
• Solely processed 74% of the region’s transactions  

June 1996 – July 1997     Eastern Bank, Malden, MA

Credit Analyst, Commercial Lending/Commercial Real Estate Department

Arrived at lending recommendations for all types of Commercial Loan and Mortgage programs by analyzing/restating financial statements, performing Trend Analysis, and underwriting repayment risk 

• Developed expertise in the analysis of financial statements and ratios
• Primary responsibilities included writing quarterly and annual credit diaries, researching and analyzing industry information, and preparing presentations for Credit Committee
• Accompanied officers on customer calls & site visits and trained junior-level analysts
• Successfully completed the ‘Eastern Bank, Credit Training Program’  

June 1992 – June 1996     Pemberton Appraisal Co., Inc., Boston, MA

Real Estate Appraiser, Residential Real Estate Department

Provided valuation advisory services on all residential real estate property types, including mixed use and vacant land, for lending and asset management purposes

• Principal duties included the formation and review of residential appraisal reports, business development and client relations, and the training of new employees

Education:

2001 – Present     Massachusetts Board of Real Estate Appraisers, Dedham, MA

Candidate Member of ‘Residential Appraiser’ (RA) Designation                                 

• Uniform Standards of Professional Practice (USPAP)
• Uniform Standards of Professional Practice (USPAP) Update 2001-2008
• REA I – Real Estate Appraisal Basics
• REA IA – Appraising the Single Family Residence
• REA II – Introduction to Income Property Appraisal
• REA 1.2 – Practical Residential Appraising

2001 – Present     Appraisal Institute, Massachusetts Chapter, Malden, MA

• Appraising the Appraisal: Understanding the Appraisal Review Process  

2001 – Present     JMB Real Estate Academy, Inc., Lowell, MA

• Appraising Income Properties

1995 – 1998     Boston University’s Real Estate Studies Program, Boston, MA

• Diploma in Real Estate Studies, Awarded
• Introduction to Investment Analysis
• Introduction to Real Estate Finance
• Advanced Real Estate Investment Analysis: Case Study Approach
• Overview of the Real Estate Development Process
• Commercial Lease Analysis
• Plus Three Elective Courses   

1995 – 1998     Boston University’s Real Estate Studies Program, Boston, MA

Certificate in Real Estate Finance, in alliance with, Real Estate Finance Association (REFA), Awarded

• Introduction to Investment Analysis
• Introduction to Real Estate Finance
• Introduction to Market Analysis
• Legal Knowledge Essential for the Real Estate Professional
• Physical Evaluation of Real Estate Assets
• Underwriting the Commercial Mortgage
• Plus Two Elective Courses  

1988 – 1992     Bentley College, Waltham, MA

• Bachelor of Science Degree in Finance, Awarded  

Licenses and Approvals: 

1993 - Present     MA State Certified Residential Real Estate Appraiser - #70686

• Current Expiration Date: October 17, 2010
• No disciplinary actions have been issued since inception  

2001 – Present     United States Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Approved Appraiser

• Current Expiration Date: October 17, 2010
• Held FHA approval during tenure with Pemberton Appraisal Co., Inc. (1993-1996)
• First FHA approval period expired on May 13, 2000
• Second FHA approval period was renewed/reactivated on February 2, 2001
• No disciplinary actions have been issued during either holding period

1998 – Present     Massachusetts Licensed Real Estate Broker - #9507954

• Current Expiration Date: October 17, 2010
• MA Licensed Real Estate Salesperson (#9026200) from 1998-2008
• No disciplinary actions have been issued during either holding period

1996 – Present     Notary Public of the Commonwealth of Massachusetts

• Current Expiration Date: May 21, 2010
• No disciplinary actions have been issued since inception

Designations and Affiliations:

2001 - Present     Massachusetts Board of Real Estate Appraisers, Dedham, MA

Candidate Member, Residential Appraiser (RA) Designation

Membership does not imply any certification of qualifications or experience by the Massachusetts Board of Real Estate Appraisers.  It does, however, bind the Candidate Member of its Code of Ethics and Standards of Professional Practice and Conduct. 

• Fulfilled all ‘Educational’ and ‘Experience’ requirements for the Residential Appraiser (RA) designation.
• Submitted the final requirement for the Residential Appraiser (RA) designation, ‘Demonstration Report Submission’ of a full narrative appraisal report, which utilizes all three approaches to value on a 1-4 family residential dwelling, in accordance with USPAP.
• Anticipate being approved/awarded the Residential Appraiser (RA) designation during the fourth (4th) quarter 2009.