Cheryl Bonnaffons Bella is a General State Certified Appraiser in the State of Louisiana and the State of Texas. She has earned both the MAI and AI-GRS (General Review Specialist) designations through The Appraisal Institute and has actively served various positions through the Appraisal Institute at the state and regional levels, including LA Chapter President in 2013. In 2015 Cheryl Bella was appointed by the Governor of Louisiana to serve as a member of the Louisiana Real Estate Appraisers Board. Cheryl is also an AQB Certified USPAP Instructor and an instructor for Risk Managers Association (RMA). Cheryl's financial institution compliance experience began when she was hired to establish the Appraisal Department for City National Bank (First Commerce Corporation), serving as Vice President, then Vice President of Bank One Corporation. She later joined Hancock Bank to establish an Appraisal Department in Louisiana. In Appraisal Department management Cheryl participated in due diligence analysis as part of bank acquisitions, wrote Corporate-wide appraisal policy and procedures, and authored lender training classes and manuals. In 2001 Cheryl became an independent consultant to financial institutions needing assistance in education, policy and procedure formulation, appraiser list formulation, appraisal review, and procedural documents. In 2014 Cheryl participated in the development of an appraisal management and compliance program that allows banks to manage their appraisal process in-house, a system where they maintain control of decision making and data. Cheryl serves as Chief Compliance officer for this risk management program, FICRAS (Financial Institution Complete Risk Aversion Solution), which is used by banks across the nation. Cheryl has also written and instructed annual banking compliance seminars for various state banking associations, performed compliance trainings for financial institutions and has written and presented a variety of appraisal and real estate agent seminars and webinars, including presentations for the Appraisal Institute and American Society of Appraisers national conferences. As a private contractor, she seeks educational opportunities to learn from and instruct lenders, real estate agents and appraisers on appraisal related issues, including regulatory, appraisal theory, and appraisal practices.