Josephine E.D. Finsand, ASA
627 NE Fargo Street ? Portland, OR 97212 ? Phone (503) 851-9326 ? josephine.finsand@gmail.com
Professional Profile
- Achievement oriented professional with diversified experience in valuation of real and personal property, asset management, portfolio management, equipment finance, financial analysis and project management.
- Exceptional problem-solving skills and decision-making abilities, strong spreadsheet and database management skills, excellent analytical and organizational aptitudes and an effective communicator.
- A highly efficient worker with a track record for meeting deadlines and exceeding expectations.
Professional Experience
AVP, Collateral Audit Manager, Beneficial State Bank, Portland, OR, June 2017 to present
- Order due diligence reports such as real estate appraisals, evaluations, third-party reviews, environmental reports, collateral exams, business valuations and/or equipment appraisals. Verify approval to order appraisal and receipt of due diligence deposits. Determines appropriate value premise(s) and scope or work to meet credit/underwriting needs. Manage use of RIMS/C360 platforms used for ordering real property appraisals, evaluations and environmental due diligence.
- Complete internal compliance reviews of appraisal reports for loan amounts less than $2,500,000.
- Complete internal real property evaluations and appraisal validations as allowed by the Bank’s Real Estate Appraisal Policy.
- Update the Bank’s Real Estate Appraisal Policy on an annual basis to reflect any approved changes to the interagency guidelines and to retain compliance with bank policies and guidelines
- Evaluate existing bank approved appraisal and environmental vendors; add new vendors to the approved list as needed; maintains vendor list and updates vendor data in RIMS/C360.
Senior Equipment Analyst, U.S. Bank Equipment Finance, Portland, OR, November 2006 to June 2017
- Performed and reviewed appraisals for loan and lease financing purposes.
- Performed full spectrum of asset management duties including identifying target markets, establishing deal structure guidelines, setting lease residuals and loan balloons, writing maintenance/use/return provisions, negotiating documents and collateral monitoring.
- Responsible for annual review and field audit of the USBEF corporate aircraft portfolio.
- Responsible for writing and updating department processes and procedures as well as ensuring compliance with organizational processes, procedures and line group credit policies.
- Areas of expertise included aviation (fixed wing and rotary), FF&E, technology, material processing, alternative energy and power generation systems.
- Responsible for all aspects of project management pertaining to valuation assignments.
Program Coordinator, Clark County Assessment & GIS, Vancouver, WA, August 2004 to October 2006
- Performed and reviewed industrial, commercial, residential and personal property appraisals for ad valorem tax purposes.
- Assisted with assessment program planning, budgeting and the development of department policies, procedures and goals.
- Conducted program evaluation through identifying and solving problems within assessment programs.
- Interpreted and applied County, state and federal laws and regulations.
- Established and maintained effective working relationships with the public, other governmental jurisdictions and County staff.
Financial Analyst, Moss Adams, Portland, OR, September 2001 to August 2004
- Performed valuation and consulting assignments for clients throughout the United States.
- Specialized in the valuation of commercial and industrial machinery and equipment, real and personal property and public utilities; as well as providing clients with cost segregation and allocation of purchase price services.
- Assisted in the valuation of complex commercial and industrial properties.
- Purposes for valuation work included financing, insurance, bankruptcy, ad valorem tax issues and litigation support.
- Involved in project management, delegation and coordination; assisted in the design and implementation of proprietary templates and databases for Moss Adams and their clients.
Education and Professional Development
Accredited Senior Appraiser (ASA) designation in Machinery & Technical Specialties (MTS) with the American Society of Appraisers, 2008
Master of Business Administration, Marylhurst University, 2006
Bachelor of Science, Finance, Portland State University, 2001