Senior Appraisal Analyst

Citizens Bank; Atlanta (GA); Hybrid; USD 54,000 - 61,000; Full time

Job summary

Citizens Bank in Atlanta, GA is seeking an experienced Mortgage Appraisal Reviewer to ensure collateral meets portfolio and investor guidelines and complies with Federal/State law.

The role requires reviewing collateral documentation, maintaining knowledge of Mortgage Lending policies, and communicating with internal teams to uphold quality and compliance standards.

Qualifications

• Licensed / Certified Appraiser required.
• Three years or more mortgage or consumer loan underwriting experience; appraisal review preferred.
• Excellent communication skills with internal and external clients.
• Proficiency in basic computer applications including Microsoft Office.

Responsibilities

• Review collateral to ensure compliance with laws, policies and guidelines.
• Develop understanding of Mortgage Lending products, policies and collateral needs.
• Obtain collateral documentation from internal and external sources as required.
• Perform detailed collateral review to meet portfolio/investor guidelines.
• Escalate collateral issues and determine next steps.
• Communicate with other departments to meet pipeline metrics and quality standards.
• Adhere to compliance regulations and controls.
• Build positive relationships with coworkers, clients and partners.

Skills

Excellent communication skills

Microsoft Office proficiency

Education

Bachelor's degree, or equivalent education and related training

FHA DE (CHUMS) / VA SAR/LAPP

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.