FUNCTION: Working under the direction and guidelines established by the Director of Appraisal Services, the Real Estate Valuation Analyst provides support and analysis for all real estate valuation activities for loans secured by both residential and commercial real estate. The incumbent will be responsible for maintaining compliance with FIRREA, Interagency Guidelines, USPAP, Maine and other state’s Appraisal laws, and Bank policy, while ensuring that the value conclusions are logical, supportable and appropriate for use by the Bank’s Appraisal, Residential Mortgage, Consumer Lending, Commercial, Special Assets and Small Business teams. This position also presents an opportunity for a candidate to be sponsored and trained as an Appraisal Trainee, by the Bank, with the additional opportunity to seek professional certification and licensure(s) in residential and/or commercial real estate based. Accountabilities: Ensure timely and accurate ordering and communication of residential and commercial appraisals from external vendors, following relevant standards and regulations, including proactive contact by phone or by other appropriate follow-up. Ensure appraisals and evaluations are ordered from the most to competent and efficient valuation vendor in the subject’s service area for the property under review. Utilizes ValuTrac and/or other appraisal management systems to effectively order, communicate and monitor a variety of information for residential and commercial appraisals and evaluations. Uploads reviewed and accepted residential appraisals to the Encompass system. Reviews evaluations and appraisals for non-complex residential and commercial real estate transactions. In response to requests from appraisal, lending and/or workout personnel, may utilize the appraisal management system (ValuTrac), to monitor and review appraisals and evaluations for both residential and commercial real estate loans. Provides strong communication (written and verbal) and proactive service to line lenders, teammates and management by coordinating and communicating with external appraisal and evaluation vendors and proactively resolving and communicating issues leading to a strong customer experience for both our internal and external customers. Assists in analyzing and maintaining the Real Estate Appraisal Department information and databases. Performs analysis that will include, but not be limited to, tenant lease agreements and historic or projected property operations, to develop, document and support all necessary analytics and estimates for valuations and any supporting databases and software programs (e.g. Argus). Utilizes valuation software (e.g. Argus) or other approved models/methods to develop preliminary indications of value for multi-tenanted commercial real estate transactions or other necessary commercial or residential analysis. Provide internal market analysis of both residential and commercial real estate transactions – which, in part, may be based on statistics and data acquired from, but not be limited to, the real estate database and ValuTrac appraisal management system and other approved resources. Compliance and Control: Assists in ensuring that the Bank strongly and effectively complies with federal bank regulations and secondary market guidelines governing real estate valuations. General: Interacts professionally, collegially and effectively with all constituents. Conforms to acceptable performance standards as expressed in the Employee Handbook and as expected and needed by the duties assigned. Performs additional duties as requested. Knowledge/Skills/Experience Requirements: Strong analytical and communication (both verbal and written) skills, attention to detail, ability to process, analyze, inquire, and act or react proactively and professionally. A college degree or prior relevant experience is preferred but not required with direct or demonstrated experience and/or education in any of the following: accounting, administration, banking, lending, credit or financial analysis or similar experience or experience. Must be able to work in a fast-paced environment with demonstrated ability to manage multiple, and sometimes, competing and complex tasks and demands while maintaining and delivering strong professionalism, collegiality, communication and customer experiences. Ability to work and act with minimum to no supervision. Must be open to coaching, feedback and continuous learning and improvement. Prior experience with real estate (real estate brokerage, lending, real estate investment and/or credit/financial analysis) is helpful but not required. Coursework in residential or commercial real estate valuation a definite plus; however, in the absence of prior coursework, must successfully participate in coursework, seminars and other training necessary to further professional competency in residential and commercial real estate valuation. Personal computer literacy required and necessary; especially Word and Excel, as well as the ability to effectively and efficiently learn the Bank’s systems including, but not limited to, ValuTrac, ARGUS, Encompass, etc. Excellent customer service skills required. Adaptability/Flexibility – Adapts to change, is open to new ideas, takes on new challenges, handles challenges well, flexibility to meet changing business and market needs. Integrity/Ethics – Deals with others in a professional, respectful and direct manner, maintains strict confidentiality and information security protocols, supports and actively exhibits our company values and proactively contributes to our teammates, partners, vendors, Bank and others. Physical Demands/Conditions Requirements: General office environment. Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required. Equipment Used: General office equipment. External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis. At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement. We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done. At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters. Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.