Josephine Finsand

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 p...[truncated]