Credit Risk - Senior Review Appraiser

NBH Bank•Kansas City, MO

2d•Onsite

About The Position

As a Senior Review Appraiser, you will utilize the Mercury Network for tracking residential real estate appraisals / evaluations. Review appraisals / evaluations to ensure compliance with USPAP and FIRREA, as well as reasonableness of concluded value(s). Interact with others (associates, management, clients, and vendors in a professional and tactful manner including treating them with respect and consideration regardless of their status or position. Work independently to address issues relating to an appraisal and make sound recommendations to management as they relate to risk. Communicate appraisal conclusions verbally and in writing. Maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements. As a Senior Review Appraiser, you will have an opportunity to play a critical role by ensuring appraisal values are reasonable and supportable. Also supports sound Credit Risk Management practices by protecting the bank’s collateral position by helping to validate appropriate loan-to-values during the underwriting process.

Requirements

7+ years of relevant work experience.
Bachelor’s degree or equivalent combination of education and related work experience.
State appraiser certification.
License in good standing (no disciplinary actions) in at least one of the bank’s primary market areas (Colorado, Kansas and/or Missouri).
Proficient in MS Office applications which include Outlook, Word, and Excel.
Must be self-directed.
Ability to communicate appraisal conclusions verbally and in writing.
Must be able to communicate effectively with associates, management, clients, and vendors.
Ability to think analytically and apply critical thinking skills to issues.
Ability to work with mathematical concepts utilized in the appraisal process.
Ability to prioritize competing demands and effectively manage multiple tasks and/or projects.
Ability to make sound and timely decisions, to consistently deliver on commitments, and assume responsibility for results.
Ability to interpret documents and information such as internal policies and procedures.

Nice To Haves

10+ years of relevant work experience.
2+ years of previous management experience.
Certified General License held in states (MO, KS, CO, NM, UT, TX) where the Bank currently operates.
Prior experience with a computerized real estate appraisal ordering/tracking system.
Proficient level of knowledge regarding the Uniform Standards of Professional Appraisal Practice (USPAP), FIRREA and federal and state appraisal regulations
Proficient level of understanding regarding real estate valuation principles and procedures.
Prior bank experience.

Responsibilities

Utilize the Mercury Network for tracking residential real estate appraisals / evaluations.
Review appraisals / evaluations to ensure compliance with USPAP and FIRREA, as well as reasonableness of concluded value(s).
Interact with others (associates, management, clients, and vendors in a professional and tactful manner including treating them with respect and consideration regardless of their status or position.
Work independently to address issues relating to an appraisal and make sound recommendations to management as they relate to risk.
Communicate appraisal conclusions verbally and in writing.
Maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
Ensure appraisal values are reasonable and supportable.
Protect the bank’s collateral position by helping to validate appropriate loan-to-values during the underwriting process.