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' 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 reported value is supported for financing purposes while evaluating report completion methodology. + Maintains daily and monthly goals set by Senior Management. + 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 + Required Qualifications + Certified Real Estate License / Active + Must be a Certified/Certified General appraiser + Experience / expert in Fannie / Freddie Guidelines + Experience with Construction to Perm Appraisal or Appraisal Review + Experience reading plans and specifications Hours & Work Schedule + Hours per week: 40 + Work Schedule: Monday through Friday 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 08/22/2025