Senior Real Estate Review Appraiser

NBT Bancorp•Albany, NY

1d•$73,714 - $98,285

About The Position

Provides senior-level, independent oversight and technical expertise in the Real Estate Appraisal Department. Responsible for conducting comprehensive reviews of complex appraisal assignments and ensuring compliance with USPAP, Interagency Appraisal and Evaluation Guidelines, and applicable state and federal regulations. Applies advanced appraisal knowledge and seasoned judgment to evaluate valuation methodologies, resolves complex appraisal issues, and supports sound, risk-based decision making. Serves as a subject-matter expert, mentor, and trusted advisor to lenders, appraisers, and internal stakeholders.

Requirements

Bachelor’s degree and 5 years real estate appraisal experience, including commercial work.
Completion of advanced appraisal coursework (e.g., Appraisal Institute advanced principles, income capitalization, market analysis).
Strong knowledge of USPAP, Interagency Appraisal and Evaluation Guidelines, FIRREA and applicable regulations.
Proficiency with appraisal software and Microsoft Office Suite.
Advanced analytical, research, and problem‑solving abilities.
Ability to apply seasoned judgment to complex appraisal issues.
Strong written and verbal communication skills.
Ability to work independently under shifting deadlines.
High ethical standards and ability to maintain confidentiality.
Collaborative interpersonal skills.
Applicants must be authorized to work for any employer in the U.S.
We are unable to sponsor or assume sponsorship of an employment Visa at this time.

Nice To Haves

MAI designation or active candidacy preferred.
AI‑GRS designation or in process of achieving the designation preferred.
Appraisal review experience within a lending or financial institution preferred.

Responsibilities

Appraisal Review & Valuation Risk Analysis - Conducts independent, comprehensive technical and administrative reviews of complex real estate appraisal assignments across commercial, industrial, income-producing, agricultural, land, and special-use property types. Evaluates the credibility of appraisal assumptions, market data, highest and best use analyses, valuation methodologies, and conclusions of value. Identifies valuation risks, deficiencies, or unsupported assumptions and recommends corrective actions or alternative valuation approaches to ensure sound, risk-based lending decisions.
Problem Solving, Dispute Resolution & Stakeholder Advisory - Analyzes complex or non-standard appraisal issues and develops practical, experience-based solutions. Leads the resolution of high-complexity appraisal and valuation disputes involving appraisers, lenders, and internal stakeholders. Serves as a senior technical resource, providing guidance and expert judgment on appraisal, valuation, and environmental review matters.
Compliance, Policy Interpretation & Vendor Oversight - Ensures compliance with USPAP, Interagency Appraisal and Evaluation Guidelines, and internal appraisal and environmental policies. Provides senior-level input into the interpretation, administration, and enhancement of appraisal and environmental risk management policies and procedures. Participates in the evaluation, approval, and performance monitoring of appraisal and environmental third-party vendors, particularly for complex or higher-risk assignments.
Professional Leadership, Mentoring & Market Insight - Provides technical guidance and mentoring to junior review appraisers and appraisal staff. Contributes to training initiatives, development of appraisal review best practices, and continuous process improvement. Monitors and analyzes local, regional, and broader real estate market trends and incorporates relevant insights into appraisal review conclusions and risk assessments.
Other Duties as Assigned

Benefits

Generous Paid Time Off : At least 22 days annually, prorated in the year of hire.
Parental Leave : Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage : Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage : Ensuring your overall health and well-being.
Flexible Spending Accounts : For healthcare and dependent care expenses.
Employer-Paid Disability Coverage : Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance : Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits : Including hospital, accident, and critical illness coverage.
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance : Supporting your growing family.
Tuition Reimbursement : Invest in your education and career growth.
Employee Assistance Program (EAP) : Access to support and resources.
Pet Insurance : For all your furry friends.
Financial and Banking Services : Various banking services benefits and financial planning assistance.