Senior Appraisal Analyst

Citizens Financial Group•Atlanta, GA

4d•Hybrid

About The Position

Responsible for reviewing property valuations to ensure compliance with Federal/State law and Citizen’s risk policy to ensure that loans secured with real estate are protected with adequate collateral value. Successfully use critical thinking and analytical skills to review collateral. Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their collateral requirements. Obtain required collateral documentation per program requirements from internal clients, external clients, vendors, and third-party sources. Perform detailed review of all collateral documentation to ensure that loans meet portfolio and investor guidelines. Identify and determine next steps for collateral issues that have been escalated. Consistently communicate with other departments and sales to ensure pipeline metrics and quality guidelines are met. Adhere to all compliance regulations and controls. Develop and maintain a positive working relationship with co-workers, internal and external clients, business partners and vendors. Cultivate relationships with peers as a peer mentor.

Requirements

Licensed / Certified Appraiser
Three years or more of mortgage or consumer loan underwriting experience - appraisal review experience strongly preferred
Excellent Communication skills, both written and verbal, in relating to internal and external clients
Demonstrates proficiency in basic computer applications such as Microsoft Office software products

Nice To Haves

FHA DE (CHUMS) / VA SAR/LAPP
Appraisal review or field experience with residential appraising
Experience with using appraisal and market evaluation tools
Demonstrates proficiency in mortgage automated processing systems
Basic knowledge of bank services and products
Bachelor's degree, or equivalent education and related training

Responsibilities

Review property valuations to ensure compliance with Federal/State law and Citizen’s risk policy.
Ensure loans secured with real estate are protected with adequate collateral value.
Use critical thinking and analytical skills to review collateral.
Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their collateral requirements.
Obtain required collateral documentation per program requirements from internal clients, external clients, vendors, and third-party sources.
Perform detailed review of all collateral documentation to ensure that loans meet portfolio and investor guidelines.
Identify and determine next steps for collateral issues that have been escalated.
Consistently communicate with other departments and sales to ensure pipeline metrics and quality guidelines are met.
Adhere to all compliance regulations and controls.
Develop and maintain a positive working relationship with co-workers, internal and external clients, business partners and vendors.
Cultivate relationships with peers as a peer mentor.