Joy Stephens
Self-employeed
Spring Mills,PA
42
years of professional experience
Experienced real estate appraiser delivering accurate property valuations through sales comparison, neighborhood analysis, and USPAP-compliant reporting. Known for deadline management, lender collaboration, and credible valuations that support informed lending and legal decisions.
Work History
Real Estate Appraiser
34 Years 5 Months- Analyzed comparable sales, market trends, and neighborhood data to support credible valuations.
- Prepared detailed appraisal reports aligned with USPAP and lender requirements.
- Conducted property inspections to assess condition, improvements, and valuation factors.
- Reviewed public records, zoning information, and parcel data to verify property characteristics.
- Communicated valuation conclusions clearly with clients, lenders, and attorneys.
- Reconciled cost, income, and sales approaches to determine final property value.
- Inspected new and existing properties and noted distinctive characteristics.
- Took photographs of interior and exterior of buildings to properly document features and conditions.
- Gathered information on nearby properties to compare and help make value determinations on properties.
- Researched land, property and market values to complete estimations.
- Stayed updated on market trends for local area and similar property types.
- Maintained current understanding of lender requirements and documentation guidelines.
- Performed appraisals in line with federal requirements and USPAP guidelines.
- Remained current on local areas through actively researching and garnering understanding of community values.
- Exceeded client expectations with detailed and timely appraisal reports, resulting in a high rate of repeat business.
- Streamlined appraisal processes for increased efficiency and faster turnaround times by implementing advanced software tools and technology.
- Continuously updated personal expertise with ongoing education courses and certifications relevant to the field of real estate appraisal.
- Maintained up-to-date knowledge on federal and state regulations governing real estate appraisals to ensure compliance across all projects.
- Offered expert testimony in legal proceedings involving property disputes or contested valuations as a reputable professional witness.
Secretary
5 Years- Coordinated appointment calendars, meetings, and office schedules to support smooth workflow.
- Managed daily correspondence, phone routing, and client inquiries with accurate, professional communication.
- Prepared, edited, and filed insurance documents, forms, and letters with strong attention to detail.
- Maintained organized records systems for customer files, policy information, and confidential documentation.
- Processed incoming mail, payments, and office paperwork promptly to keep administrative tasks on track.
- Supported agents and staff by handling routine clerical tasks and prioritizing urgent requests.
- Resolved customer service issues by providing clear information and directing inquiries to proper contacts.
- Handled sensitive information discreetly, maintaining confidentiality when managing personnel files or financial data.
- Answered multi-line phone system and enthusiastically greeted callers.
- Maintained daily report documents, memos and invoices.
- Scheduled appointments and conducted follow-up calls to clients.
- Prepared professional correspondence, including memos, letters, and emails, ensuring accuracy and timeliness.
- Entered data into system and updated customer contacts with information to keep records current.
- Managed executive calendars, scheduling appointments and meetings to optimize time management.
Education
High School Diploma
Real Estate Appraiser - Real Estate
Skills
Property valuation
Market valuations
Land valuation
Regulatory compliance
Deadline coordination
Residential appraising
Sales comparison
Neighborhood assessment
Deadline management
Data collection
Research
Zoning regulations
Legal requirements
Appraisal software
Property appraisal
Continuing education
Customer service
Client relationship management
Timeline
Real Estate Appraiser
Self-employeed
06.1992 - CurrentRead More
Secretary
Aumillers Insurance
05.1985 - 05.1990Read More
Penn State University
Real Estate Appraiser from Real Estate
Read More
Lewistown High School
High School Diploma
Read More