Description

Responsibilities:

The Appraisal Analyst IIIC will be a contributing member of the Collateral Risk Management Team. In this role you will make decisions on collateral as a function of the Bank’s due diligence, as it pertains to risk exposure on residential real estate. The Appraisal Analyst IIIC performs moderately complex internal real estate appraisal reviews for 1–4 family properties for compliance with corporate policy and secondary standards; such as Uniform Standards of Professional Appraisal Practice (USPAP), Fannie Mae, Freddie Mac, and HUD guidelines.

Primary Responsibilities:

• Conducts reviews of complex appraisals within delegated authority limits
• Ensures eligibility and collateral underwriting guidelines are met
• Analyzes the reasonableness of the appraisals to confirm reported value is supported for financing purposes while evaluating report completion methodology.
• Decisions report: Approve or decline the reports to be utilized in the lending decision
• Meets or exceed daily and monthly production requirements
• Reports inconsistencies and irregularities on appraisals
• Place revisions as necessary to obtain clarification and additional supporting explanations and/or data as deemed necessary
• Escalate any quality or service issues to Management
• Adheres to bank policies and procedures and complies with legal and regulatory requirements including appraisal industry’s concepts and practices
• Perform other responsibilities as directed by the Team Leader or other Sr. Management.

Qualifications:

• 3+ years certified residential appraiser with appraisal review experience
• Extensive knowledge of USPAP (Uniform Standards of Professional Appraisal Practice) and general appraisal techniques and analysis
• Proficient with Microsoft Word, Excel, and Outlook.
• Knowledge of all types of real property, terms, types of ownership in real estate, deeds, mortgages, etc.
• Ability to recognize deficiencies in appraisal reports and changes in market trends and conditions.
• Able to multitask with effective and proficient communication skills.
• Ability to work with a sense of urgency
• Familiar with secondary market collateral guidelines

Preferred:

• Recent and extensive appraisal review experience of complex properties

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F 8am-5pm

The salary range for this position is 70,000 - $78,000. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth