VP Appraisal Manager

Bank of the Sierra; California (MO); Hybrid; USD 120,000 - 170,000; Full time

Job summary

The Appraisal Manager at Bank of the Sierra oversees the real estate valuation program to ensure compliance with FIRREA, USPAP, and Interagency guidelines. You will manage appraisal ordering, vendor oversight, quality control, and independence to support prudent credit risk management.

You will lead an independent panel of contract appraisers, supervise staff, and coordinate with lending, credit administration, regulators, and senior management on appraisal-related issues.

Qualifications

• Certified General Real Property Appraiser license required; MAI or similar designation desirable.
• Bachelor's degree and at least seven years in appraisal, appraisal review, or collateral risk management.

Responsibilities

• Ensure timely ordering and delivery of real estate appraisals, evaluations, and environmental reports.
• Oversee independent reviews for commercial, industrial, agricultural, and residential appraisals to verify compliance.
• Resolve valuation disputes and coordinate second appraisals when deficiencies are identified.
• Review, update, and implement appraisal and environmental report policies to ensure regulatory compliance.
• Recruit, onboard, and monitor an independent panel of contract appraisers.

Skills

Analytical skills

Problem solving

Attention to detail

Verbal and written communication

Interpersonal skills

Time management

Education

Bachelor's degree

Certified General Real Property Appraiser License

MAI designation desirable

Tools

Microsoft Office

Job description

JOB SUMMARY
The Appraisal Manager is responsible for the administration, oversight, and ongoing effectiveness of the Bank's real estate valuation program. This position ensures compliance with Interagency Appraisal and Evaluation Guidelines, FIRREA, USPAP, and all applicable regulatory requirements governing real estate collateral valuations. The Appraisal Manager oversees appraisal and environmental report ordering, vendor management, quality control processes, policy adherence, and appraisal independence while supporting prudent credit risk management practices. The Appraisal Manager serves as the primary liaison between lending, credit administration, regulators, appraisal and environmental report vendors, and executive management regarding appraisal-related matters.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned as necessary.

• Ensure timely ordering, tracking, and delivery of real estate appraisals, evaluations, and environmental reports to support credit administration and loan production.
• Oversee or conduct risk-based independent reviews of commercial, industrial, agricultural, and residential appraisals to verify compliance with industry standards, regulatory requirements, and Bank quality standards. Resolve deficiencies and quality concerns.
• Resolve valuation disputes, review rebuttals from loan officers or borrowers, and coordinate revisions or second appraisals when material deficiencies are identified.
• Review, update, and implement appraisal and environmental report policies and procedures to ensure compliance with applicable regulations and alignment with Bank credit standards.
• Recruit, vet, onboard, and continuously monitor an independent panel of third-party contract appraisers. Annually review panel performance for quality, timelines, and competitive fees and present for management credit committee approval.
• Manage audits and regulatory examinations, including coordinating responses, providing required documentation, and ensuring identified deficiencies are remediated.
• Monitor regulatory developments affecting valuation practices.
• Monitor real estate market trends in the Bank's footprint and advise management on emerging property valuation risks.
• Complete special projects as assigned.

SUPERVISORY RESPONSIBILITIES
Directs the work of subordinate appraisal staff members. Must be able to determine priorities for self and staff towards the increased effectiveness of all administratively assigned personnel.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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 essential functions.

MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.

• Certified General Real Property Appraiser License required; MAI designation or other professional designation desirable.
• Bachelor's degree from an accredited college or university, and a minimum of seven years of appraisal, appraisal review, collateral risk management, or valuation experience, preferably working at a financial institution and managing appraisal panels.
• Comprehensive knowledge of appraisal regulatory requirements, including, but not limited to, FIRREA, USPAP, Interagency Appraisal, and Evaluation Guidelines.
• Strong understanding of commercial, agricultural, construction, and residential real estate valuations.
• Strong analytical and problem-solving skills.
• Detail-oriented with the ability to manage multiple tasks and prioritize work in a fast-paced environment.
• Ability to work with no supervision while performing duties. Excellent organizational and time management skills.
• Advanced personal computer skills, including proficiency in Microsoft Office products.
• Excellent verbal, written, and interpersonal communication skills.
• Exercises awareness with regard to possible suspicious activity, money laundering, or fraudulent behavior.

PHYSICAL DEMANDS
While performing the duties of this job, the employee is frequently required to sit and use hands to finger, handle, or feel. The employee is occasionally required to stand, walk, and reach with hands and arms. Specific vision abilities required by this job include close vision and the ability to adjust focus.

The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

WORK ENVIRONMENT
This role routinely uses standard office equipment such as computers and phones. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Bank of the Sierra is proud to be an equal opportunity workplace and is an affirmative action employer committed to equal employment opportunities regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status.

Qualifications

Education

Required

Bachelors or better.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.