As the Appraisal Analyst III Certified, you will be a contributing member of the Collateral Underwriting Team. In this role you will make decisions on collateral as a function of Citizens' due diligence, as it pertains to risk exposure on residential real estate. You will perform moderately to highly complex internal real estate appraisal reviews for 1–4 family properties for compliance with corporate policy and secondary standards; such as Uniform Standards of Professional Appraisal Practice (USPAP), Fannie Mae, Freddie Mac, and HUD guidelines. This will include Owner or Tenant Occupied, Single Family, Condos, Cooperatives, and Construction to Permanent with a loan amount of $0 - $3.5M.

Primary responsibilities include

• Analyzes the reasonableness of the appraisals to confirm eligibility for sale to Fannie Mae and Freddie Mac.
• Identify salability issues and work directly with the AMC/Staff Appraiser to cure.
• Ensure reported value is supported for financing purposes while evaluating report completion methodology.
• Maintains daily and monthly goals set by Sr. Management.
• Adheres to bank policies and procedures and complies with legal and regulatory requirements including appraisal industry’s concepts and practices.
• Directly communicates with appraisal vendors to obtain clarification and additional supporting explanations and/or data as deemed necessary.
• Identifies and reports inconsistencies and irregularities on appraisals to the Manager to determine If an escalation is required.
• Performs other responsibilities as directed by the team Leader or other Sr. Management.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • Certified or Certified General Appraisal License in active status and good standing
  • Demonstrated expertise in researching, interpreting, and applying applicable Fannie Mae and Freddie Mac guidelines
  • Working knowledge of Collateral Underwriter
  • Expert organizational skills, with strong knowledge and understanding of tools and resources used to obtain the most current and accurate information
• Preferred Qualifications
  • CMS
  • Empower
  • One Note

Hours & Work Schedule

• Hours per Week: 40 hours
• Work Schedule: Mon - Friday 8am - 5pm

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.