Senior Mortgage Collateral Valuation 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

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