Joe Vincent is General Counsel for the Washington State Department of Financial Institutions, where he has held that position as a member of its executive team since March 2003. Mr. Vincent has extensive legal and management experience in the field of residential land development, construction and mortgage lending, having managed a mortgage brokerage company, served as in-house legal counsel and also a loan administration manager and special credits manager for Washington Federal Savings (NASDAQ: WFSL) and, prior to that, represented a wide variety of real estate and lender clients in private law practice in Seattle. Mr. Vincent has been involved in financial institutions policy-making and regulation for most of his career, both in his present government position and also as a former executive in the banking industry. Currently, Mr. Vincent is Chair of the State Banking Law Developments Subcommittee of the American Bar Association’s Banking Law Committee. He is also a former chair of the Legal/Legislative Committee of the Seattle Mortgage Bankers Association and the Attorney’s Committee of the Washington Financial League. In addition, Mr. Vincent was an instructor in Real Estate Law and Commercial Law for a total of 11 years with both the American Institute of Banking and the Institute for Financial Education. Mr. Vincent began his legal career as an affordable housing advocate in San Francisco before moving to Seattle in 1980. He is an honors graduate of the University of California at Berkeley and received his law degree from Golden Gate University School of Law. He has been a member of the Washington State Bar since 1981.

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