Appraisal Senior Review Analyst

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 Sr. 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
  • Active Certified or Certified General Appraiser 
  • Three years or more of mortgage or consumer loan underwriting experience - appraisal review experience strongly preferred
  • Excellent Communication skills, both written and verbal, in relating to internal and external clients
  • Demonstrates proficiency in basic computer applications such as Microsoft Office software products
• Preferred Qualifications
  • FHA DE (CHUMS) / VA SAR/LAPP
  • Appraisal review or field experience with residential appraising
  • Experience with using appraisal and market evaluation tools
  • Demonstrates proficiency in mortgage automated processing systems
  • Basic knowledge of bank services and products
  • Bachelor's degree, or equivalent education and related training

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday

Pay Transparency 

The salary range for this position is $36.53 - $46.63 per hour. Actual pay is based on various factors including but not limited to the budget, 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 every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . 

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.

Equal Employment and Opportunity Employer

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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.