Joseph Valentine
Afton
Summary
Dynamic Collateral Solutions Manager at Sunrise Banks with a proven track record in appraisal compliance and risk assessment. Expert in vendor management and environmental due diligence, I enhance workflows and lead teams to achieve optimal results. Passionate about process improvement, I deliver quality assurance and innovative solutions to complex challenges.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Collateral Solutions Manager
Sunrise Banks
St Paul
08.2022 - Current
- Reviewed commercial appraisals and evaluations conducted by third-party vendors to ensure compliance with industry standards.
- Reviewed detailed appraisals to verify adherence to bank policies, procedures, and regulatory guidelines.
- Evaluated environmental due diligence reports and suggested measures to minimize environmental risks.
- Coordinated the selection and engagement of appraisers for commercial and residential assignments.
- Selected and engaged environmental consultants to conduct due diligence reports.
- Acted as the main liaison to address and resolve escalation issues in collateral due diligence.
- Supervised and supported review staff to ensure efficient collateral management.
- Educated credit and lending teams on bank policy and procedures to ensure adherence and improve service delivery.
- Managed the appraisal and environmental ordering system, optimizing workflows and accuracy.
Senior Appraisal Reviewer
Sunrise Banks
St Paul
04.2018 - 08.2022
- Reviewed commercial and residential appraisals conducted by third-party vendors to ensure accuracy and compliance.
- Reviewed secondary market appraisal reports for compliance with current Fannie Mae Selling Guide.
- Assessed Environmental Due Diligence Reports, delivering actionable insights to minimize risk exposure.
- Selected and engaged appraisers for commercial and residential assignments, ensuring quality and compliance.
- Selected and engaged environmental consultants to ensure compliance with industry standards.
- Conducted thorough internal evaluations for residential properties to ensure compliance with industry standards.
- Resolved complex collateral issues by recommending effective solutions to mitigate risk.
- Conducted thorough evaluations of third-party risk requirements for vendors, enhancing vendor management processes.
Appraisal Review Specialist
Sunrise Banks
St Paul
11.2015 - 04.2018
- Reviewed appraisal requests for accuracy and completeness.
- Managed and prioritized appraisal orders to ensure timely completion and adherence to deadlines.
- Reviewed residential, commercial, and third-party appraisals to ensure accuracy and compliance.
- Reviewed residential appraisals to verify alignment with Fannie Mae selling guide criteria.
- Evaluated environmental due diligence reports to provide strategic recommendations for risk mitigation.
- Engaged environmental consultants to ensure compliance with industry standards.
Appraisal Quality Review Analyst
Rels Valuation
Bloomington
08.2013 - 11.2015
- Conducted thorough appraisal reviews to ensure adherence to secondary market requirements.
- Assisted in the creation of client appraisal guidelines and procedures, contributing to improved evaluation standards.
- Conducted thorough reviews of complex appraisal assignments to ensure accuracy and compliance with industry standards.
Collateral Assessment Review Appraiser
US Bank
Minneapolis
06.2011 - 08.2013
- Conducted thorough appraisal reviews to ensure adherence to secondary market requirements.
- Assisted in the creation of client appraisal guidelines and procedures, contributing to improved evaluation standards.
- Conducted thorough reviews of complex appraisal assignments to ensure accuracy and compliance with industry standards.
Review and Resolution Analyst
Rels Valuation
Bloomington
05.2009 - 06.2011
- Conducted thorough appraisal reviews to ensure adherence to secondary market requirements.
- Assisted in the creation of client appraisal guidelines and procedures, contributing to improved evaluation standards.
- Conducted thorough reviews of complex appraisal assignments to ensure accuracy and compliance with industry standards.
Education
Appraisal Certification Program - Real Estate Appraiser
ProSource/Kaplan
Bloomington, MN11-2002
High School Diploma -
Prescott High School
Prescott, WI05-1998
Some College (No Degree) - General Studies
Dakota County Technical College
Rosemount, MNSkills
- Appraisal compliance
- Risk assessment
- Vendor management
- Environmental due diligence
- Workflow optimization
- Regulatory adherence
- Team leadership
- Problem solving
- Process improvement
- Analytical skills
- Quality assurance
Certification
- MN Certified Residential Appraisal License
- WI Certified Residential Appraisal License
- SD Certified Residential Appraisal License
Affiliations
- Traveling
- Sports
- Time with Family
References
References available upon request.
Timeline
Collateral Solutions Manager
Sunrise Banks
08.2022 - Current
Senior Appraisal Reviewer
Sunrise Banks
04.2018 - 08.2022
Appraisal Review Specialist
Sunrise Banks
11.2015 - 04.2018
Appraisal Quality Review Analyst
Rels Valuation
08.2013 - 11.2015
Collateral Assessment Review Appraiser
US Bank
06.2011 - 08.2013
Review and Resolution Analyst
Rels Valuation
05.2009 - 06.2011
Appraisal Certification Program - Real Estate Appraiser
ProSource/Kaplan
High School Diploma -
Prescott High School
Some College (No Degree) - General Studies
Dakota County Technical College