Description

As the Appraisal Analyst III , you will be a contributing member of the Collateral Risk Management Team. In this role you will make decisions on collateral as a function of Citizens’s due diligence, as it pertains to risk exposure on residential real estate. You will perform moderately complex internal real estate appraisal reviews for 1–4 family properties for compliance with corporate policy and secondary standards; such as Uniform Standards of Professional Appraisal Practice (USPAP), Fannie Mae, Freddie Mac, and HUD guidelines. This will include Owner or Tenant Occupied, Single Family, Condos and PUD units with a loan amount of $0 $999,999.

Primary responsibilities include

Analyzes the reasonableness of the appraisals to confirm conclusions are acceptable to both Fannie Mae and Freddie Mac while evaluating report completion methodology and confirming no risk for repurchase.Able to identify red flags within an appraisal that would prevent salability or increase risk. Expert in Collateral Underwriter with skills necessary to mitigate quality and risk warnings. Work directly with the GSE's on Repurchase Demands.Expert in new construction appraisal procedures, reviewing architectural plans, and confirming all improvements reported within the appraisals are consistent with specifications and draw schedules. Adheres to bank policies and procedures and complies with legal and regulatory requirements including appraisal industry’s concepts and practices.Perform other responsibilities as directed by the team Leader or other Sr. Management.Communicate with appraisal vendors to obtain clarification and additional supporting explanations and/or data as deemed necessary.Report inconsistencies and irregularities on appraisals to the Manager to determine If an escalation is required.

Qualifications, Education, Certifications and/or Other Professional Credentials

Certified Real Estate Appraiser License / ActiveMust be a Certified / Certified General Appraiser

Hours & Work Schedule

Hours per Week: 40Work Schedule: Monday through Friday

The salary range for this position is {$72,000/year - $85,000/year.  Actual pay is based on various factors including but not limited to the work location, 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 very 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.