Credit Risk - Review Appraiser

Community Banks of Colorado•Colorado Springs, CO

About The Position

It starts with our culture ... Common sense has never been common. If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions. That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work.As a 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 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

5+ Years of relevant work experience.
Associates degree or related work experience may substitute for education.
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).
Must be self-directed.
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 decisions, to consistently deliver on commitments, and assume responsibility for results.
Ability to interpret documents and information such as internal policies and procedures.
Capacity to work with multiple computer and software systems.

Nice To Haves

7+ years of relevant work experience.
Bachelor’s degree, or equivalent related work experience.
Proficient level of knowledge regarding the Uniform Standards of Professional Appraisal Practice (USPAP), FIRREA, and federal and state appraisal regulations.
Prior experience with a computerized real estate appraisal ordering / tracking system.
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.
Ensuring appraisal values are reasonable and supportable.
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.