Credit Risk - Senior Review Appraiser

NBH Bank•Greenwood Village, CO

123d•$80,000 - $93,000

About The Position

The Senior Review Appraiser uses the Mercury Network to track residential real estate appraisals and evaluations. The role reviews appraisals and evaluations for compliance with USPAP and FIRREA and for the reasonableness of concluded values. The appraiser works independently to address appraisal issues, make risk-related recommendations to management, and communicate appraisal conclusions verbally and in writing. The position supports sound Credit Risk Management practices by helping ensure appraisal values are reasonable and supportable and by validating appropriate loan-to-values during underwriting. The appraiser must maintain current knowledge of, and comply with, relevant regulations and bank policies and procedures, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements. The position interacts professionally and tactfully with associates, management, clients, and vendors, treating others with respect regardless of their status or position. It is based in an office setting with traditional hours and may require working at a rapid pace for extended periods, typically no longer than eight hours, as well as overtime as necessary. Applicants must be legally authorized to work in the United States. Selected candidates must complete pre-employment screening, including a criminal history report, global screen, drug screen, employment credit report, and, if applicable, a driving record. The Bank provides reasonable accommodation when necessary and is an equal opportunity, drug-free workplace.

Requirements

At least 7 years of relevant work experience.
Bachelor’s degree or an equivalent combination of education and related work experience.
State appraiser certification and a license in good standing, with no disciplinary actions, in at least one of the Bank’s primary market areas: Colorado, Kansas, or Missouri.
Proficient knowledge of USPAP, FIRREA, and federal and state appraisal regulations.
Proficient understanding of real estate valuation principles and procedures.
Proficient in Microsoft Office applications, including Outlook, Word, and Excel.
Self-directed, with the ability to communicate effectively with associates, management, clients, and vendors.
Ability to think analytically, apply critical thinking, and work with mathematical concepts used in the appraisal process.
Ability to prioritize competing demands and manage multiple tasks or projects effectively.
Ability to make sound and timely decisions, deliver on commitments, and assume responsibility for results.
Ability to interpret documents and information such as internal policies and procedures.
Ability to work at a rapid pace for extended periods, typically up to eight hours, and work overtime as necessary.
Must be legally authorized to work in the United States and complete applicable pre-employment screening.

Nice To Haves

At least 10 years of relevant work experience.
At least 2 years of previous management experience.
Certified General License in states where the Bank operates: Missouri, Kansas, Colorado, New Mexico, Utah, or Texas.
Prior experience with a computerized real estate appraisal ordering or tracking system.
Prior bank experience.

Responsibilities

Use the Mercury Network to track residential real estate appraisals and evaluations.
Review appraisals and evaluations for compliance with USPAP and FIRREA and for the reasonableness of concluded values.
Work independently to address appraisal issues and make sound risk-related recommendations to management.
Communicate appraisal conclusions verbally and in writing.
Maintain current knowledge of and comply with regulations and bank policies and procedures related to the position, including BSA and OFAC requirements.
Support sound Credit Risk Management practices by helping validate appropriate loan-to-values during underwriting and protect the bank’s collateral position.
Interact professionally and tactfully with associates, management, clients, and vendors.