Education

• University of Southern Maine, South Portland 1979 to 1981
  Concentrations: Obtain Licenses for Real Estate & Appraising
  
• University of Maine Orono 1977 to 1978
  Concentrations: Business Admin/Real Estate

Summary:

Over the past 30 years my education has been diverse in the field of Real Estate. This has provided me with experience in real estate appraisal, real estate brokerage, insurance (property and casualty & life and health), construction, abstracting, title and closing, mortgage origination and energy efficiency auditing.  

Appraisal Related Courses

American Institute of Real Estate Appraisers 1A-2 Basic ValuationProcedures #8B Residential Valuation 1B-A Capitalization Theory and Techniques Society of Real Estate Appraisers Introduction to Appraising Real Property A.I. Continuing Education Classes USPAP Equivalent Course Residential Site Valuation & Cost Analysis Appraising Manufactured Housing Detrimental Conditions in Real Estate FHA and the Appraisal Process Uniform Standards of Professional Practice Appraising Special use Properties MBREA Board of Real Estate Appraisers Statistics, Modeling and Finance

USM / Center for Real Estate Education Business Law Real Estate Law Real Estate Practice Real Estate Evaluation The Complaint Process and You Fundamentals of Marketing Principles of Appraisal Capitalization Technical Writing of Appraisals Cost Approach Income Approach JMB Real Estate Academy Uniform Standards of Professional Practice Residential Appraisal Certification & Review Uniform Standards of Professional Appraisal Basics of Real Estate Appraisal Appraising 1-4 Family Properties

Experience

1984 to Present A.R.E.A. / Genevieve Loan & Settlement Service’s / Residential Appraisals
Review Appraiser, Appraiser and Manager of Operations

A.R.E.A (Associated Real Estate Appraisers) was a multi-office appraisal firm that converted to a virtual office for about 25 appraisers that covered two states. I developed an interactive internet site and utilized programs to communicate, review and manage the office and appraisers remotely. The company provided residential and commercial appraisals and specialized in manufactured homes.

In 1998 I developed a business plan to merge the appraisal business with two local title companies eventually creating Genevieve Loan and Settlement Services.

I developed an infrastructure to manage four departments with a total of 30 people that would process the $100,000 to $200,000 a month in gross revenue. The company processed appraisals, titles, sales, and loan processing which included the use of employees and vendors. Including but not limited to appraisers, attorneys, title abstractors, loan processors and support personal.

I set up backend systems for computer integration and communication, developed workflow processes for three major departments, as well as quality control and accounting systems.

At times my duties would include reviewing 10 to 15 appraisals a day. These were inter-office review appraisals, meaning I had to work with each appraiser to explain why’s and why not’s an appraisal was or was not acceptable. At times this included classroom education with 10 to 20 appraisers working with the company.

This lasted for 5 years, at which time I went back into real estate sales and construction for a short period of time until I decided to work for myself as a real estate appraiser under the name of Residential Appraisals.

I have some expertise in providing appraisals that are complex in nature, review work, the utilization of Excel based programs to develop statistical analysis and trends, as well as multi-linear regressions. I have a small lender based for REO properties determining the cost to cure and the overall market reaction to the cost that is well supported and substantiated.

Energy Efficient Homes: I also have a good understanding of Energy Efficiency Housing which I have been taking courses and studying for the past year. Courses include Maine State Housing Authority and Saturn on Line Programs to obtain a Rater Certification through RESNET and BPI. I have conducted a half dozen energy audits with other local energy auditors.

2005 to 2007 Canbury Homes Construction Company

I worked full and then part time at Canbury Homes as a liaison between the company and the customer assisting in the sale and building of modular and stick built homes. I was responsible for meeting and developing customers, then determining the needs and budgets of the buyers and designing a home that met those needs. This included reviewing construction cost and options with buyers and then following through. I also worked with vendors and subcontractors during the process of building a new home.

1979 to 1984 Garnsey Bros Real Estate, Travel and Insurance Center
Insurance Agent, Travel Consultant and Real Estate Agent

I was a sales person that sold, supported and provided services in conjunction with what the organization offered.

References

Available Upon Request