Senior Appraisal, Construction & Environmental Risk Lead

Bank of Tampa; Tampa (FL); On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k with matching

ESOP

Vacation time

Sick time

Holidays

Parental leave

Tuition Assistance

Job summary

The Bank of Tampa is seeking an experienced leader to oversee appraisal and valuation review, construction loan administration, and environmental risk management. This senior role ensures compliance with USPAP and regulatory guidelines while supporting safe, sound credit delivery and strong client relationships.

You will lead cross-functional teams, coordinate with lenders, borrowers, inspectors, and consultants, and drive risk-awareness through policy and process improvements.

Qualifications

• Bachelor's degree in Finance, Real Estate, Business, Engineering, Construction Management, or related field.
• 10+ years of experience in commercial banking, appraisal review, construction administration, environmental risk, or credit administration.
• Working knowledge of USPAP and federal appraisal regulations.
• Environmental risk management for real estate collateral.
• Experience managing third-party vendors and compliance-driven processes.
• Demonstrated leadership and sound professional judgment.

Responsibilities

• Oversee the Bank's appraisal and valuation review function to ensure compliance with USPAP, Interagency Appraisal and Evaluation Guidelines, and internal policy.
• Manage appraisal vendors consistent with the Bank's expectation that partners maintain the same high ethical standards as the Bank.
• Review and approve appraisal bids, engagement letters, and reports with independence, sound judgment, and attention to regulatory requirements.
• Communicate valuation risks clearly and respectfully, empowering lenders and credit leadership to make well-informed decisions.
• Maintain appraisal policy consistent with regulatory guidance and the Bank's principled credit culture.
• Manage construction loan administration from closing through project completion.
• Oversee construction draws, inspections, lien waivers, budget tracking, and change order reviews.
• Ensure construction monitoring aligns with approved loan terms while supporting strong client relationships built on mutual trust and respect.
• Coordinate with lenders, borrowers, inspectors, and consultants to provide reliable, responsive support while maintaining independent risk oversight.
• Identify construction-related risk trends and recommend improvements that enhance value without unnecessary bureaucracy.
• Administer the Bank's environmental due diligence program, including Phase I and Phase II Environmental Site Assessments.
• Evaluate environmental risks in a balanced, thoughtful manner that supports long-term client relationships and sound collateral management.
• Manage environmental consultants as trusted partners held to the Bank's ethical and professional standards.
• Serve as an internal advisor during credit approvals, audits, and regulatory examinations.
• Maintain policies and practices that reflect prudent risk management and responsible lending.
• Lead and develop team members by treating colleagues with dignity and respect and empowering them to make good decisions.
• Support lenders, credit officers, and internal partners with a mindset of service while maintaining appropriate independence.
• Serve as a collaborative partner across departments, balancing risk discipline with responsiveness.
• Represent the Bank professionally during internal audits, loan reviews, and regulatory exams.
• Provide management reporting on workflow, performance metrics, vendor oversight, and emerging risks.

Skills

Leadership

Vendor management

Regulatory compliance

Communication

Education

Bachelor's degree in Finance, Real Estate, Business, Engineering, Construction Management, or related field

Job description

The Bank of Tampa is seeking an experienced leader to oversee appraisal and valuation review, construction loan administration, and environmental risk management. This senior role ensures compliance with USPAP and regulatory guidelines while supporting safe, sound credit delivery and strong client relationships.

You will lead cross-functional teams, coordinate with lenders, borrowers, inspectors, and consultants, and drive risk-awareness through policy and process improvements.