Senior Appraisal Analyst

Citizens; Atlanta (GA); On-site; USD 82,000 - 92,000; Full time

Job summary

Citizens in Atlanta seeks an experienced Appraisal Reviewer to ensure collateral values meet Federal/State laws and Citizens’ risk policy for loans secured by real estate. You will review collateral documentation, apply mortgage lending policies, obtain required paperwork, and escalate issues while maintaining strong cross‑department communication and compliance.

The role requires a licensed appraiser, mortgage underwriting experience, and proficiency with Microsoft Office, with a 40-hour work

Qualifications

• Licensed / Certified Appraiser
• Three years or more of mortgage or consumer loan underwriting experience - appraisal review preferred
• Excellent communication skills, both written and verbal
• Proficient in basic computer applications such as Microsoft Office

Responsibilities

• Review collateral to ensure compliance with Federal/State law and Citizens’ risk policy.
• Develop and maintain understanding of Mortgage Lending products, policies, and collateral requirements.
• Obtain required collateral documentation from internal/external clients and third-party sources.
• Perform detailed review of collateral documentation to meet portfolio and investor guidelines.
• Identify and determine next steps for escalated collateral issues.
• Communicate with other departments and sales to meet pipeline metrics and quality guidelines.
• Adhere to compliance regulations and controls.
• Develop positive working relationships with coworkers, clients, partners, and vendors.
• Mentor peers as appropriate.

Skills

Critical thinking

Analytical skills

Excellent communication

Microsoft Office

Education

Bachelor's degree or equivalent education

Licensed / Certified Appraiser

Tools

Microsoft Office

Job description

Description

Responsible for reviewing property valuations to ensure compliance Federal/State law and Citizen’s risk policy to ensure that loans secured with real estate are protected with adequate collateral value.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

• 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 positive working relationship with co-workers, internal and external clients, business partners and vendors.

• Cultivate relationships with peers as a peer mentor.

  QUALIFICATIONS

  Required Qualifications:

  The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• 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

  Preferred Qualifications:

• 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

Hours & Work Schedule

• Hours per Week: 40 hours

• Work Schedule: Mon - Friday 8am - 5pm

Pay Transparency

The salary range for this position is $39.23 - $44.37 per hour. Actual pay is based on various factors including but not limited to the work location, budget and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time‑away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

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.

Why Work for Us

At Citizens, you’ll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

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.

10/28/2026