Joyce Riviere ...became a licensed California REALTOR in 1987 ... a Real Estate Broker in 1998 ...is thoroughly experienced in all types of real estate transactions, including residential, investment, and commercial properties ...well-versed in all aspects of complex transactions, such as 1031 Exchanges, All Inclusive Trust Deeds, and seller carried-back purchase loans ...a former administrator of several financial institutions, the Vice President of Residential Lending for a commercial bank, a Vice President of a credit union, the Director of Credit Union Services for a mortgage bank ...has maintained the highest level of compliance and integrity ...left the corportate world to open Advantage Property & Finance and Advantage Property Management in 2004 ...serves all Southern California counties ...has a collaborative nature, a desire to mentor, and a strong passion for client service ...developed a team-based work environment with highly-skilled associates ...maximizes her clients' buying and selling opportunities ...derives most business from existing clientele and referrals ...networks, maintains intelligent internet sites ...saturates emarkets ...holds a Bachelor's Degree in Business Administration ...enrolled in an MBA program, with an emphasis on E-Business ...was an Honors graduate of the Western CUNA Management School at the Claremont Colleges ...is a valuable resource to fellow industry associates