What are the responsibilities and job description for the Staff Appraiser II position at CEN?
GENERAL DESCRIPTION OF POSITION
The Staff Appraiser II analyzes appraisals, conducts appraisal reviews, and performs market evaluations to support credit decisions and assists with providing safe, sound real estate lending activity. This position will assume a leadership role with the appraisal specialist staff, while providing technical guidance. The Staff Appraiser II may also assist with monitoring the daily workflow of the department, and assist with procedures and training of staff.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Perform in-house real estate evaluation reports in narrative form by providing an estimate of the property's market value, including appropriate approaches, as applicable.
2. Perform appraisal reviews to determine whether the methods, assumptions and value conclusions are reasonable and the appraisal contains sufficient information to support a credit decision.
3. Verify that each appraisal review complies with regulations, supervisory guidelines, and bank policy.
4. Communicate any deficiencies of an appraisal to the appraiser and follow-up for corrections, as applicable.
5. Collaborate with third party reviewers, appraisers and loan officers to resolve open questions and issues with appraisal assignments and appraisal compliance.
6. Provide technical guidance to departmental staff regarding USPAP and Interagency Guidelines.
7. Oversee outsourced evaluation reports received.
8. Provide input regarding the bank's list of active appraisers.
9. Become knowledgeable of and actively use the Real Estate Information Appraisal Management System.
10. Review technical performance of Appraisal Specialists.
11. Assist with monitoring the work flow of the Appraisal Specialists.
12. Facilitate training of new staff on the department's procedures and daily tasks.
13. Partner with department staff, lending staff and outside appraisers to establish an accurate Scope of Work for Appraisal assignments.
14. Participate with team management in interviewing and hiring decisions for departmental staff.
15. Collaborate with departments such as Loan Administration, Compliance and Internal Audit regarding departmental processes.
16. Contribute to decisions for conversion activities related to the Appraisal Team resulting from acquisitions.
17. Aid in the ongoing development and effective usage of the department's appraisal management system.
18. Complete required BSA/AML training and other compliance training as assigned.
19. The ability to work in a constant state of alertness and in a safe manner.
20. Perform any other related duties as required or assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
EDUCATION AND EXPERIENCE
Technical degree required in such disciplines as Computer Engineering, CPA, etc. Plus 9 - 10 years related experience and/or training and 3 years related management experience.
COMMUNICATION SKILLS
Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; Ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
CRITICAL THINKING SKILLS
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
State Certified General Appraiser.
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
Not indicated.
SOFTWARE SKILLS REQUIRED
Basic: Accounting, Database, Human Resources System, Payroll Systems, Presentation/PowerPoint
Intermediate: 10-Key, Alphanumeric Data Entry
Advanced: Spreadsheet, Word Processing/Typing
WORKING CONDITIONS
Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.
ENVIRONMENTAL CONDITIONS
The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
PHYSICAL ACTIVITIES
The following physical activities described here 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 the essential functions and expectations.
Moderate diversity, low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions relating to Degree 1.
While performing the functions of this job, the employee is continuously required to talk or hear; regularly required to sit, use hands to finger, handle, or feel, reach with hands and arms; Occasionally required to stand or walk. The employee must occasionally lift and/or move up to 10 pounds and 25 pounds; Specific vision abilities required by this job include close vision.
ADDITIONAL INFORMATION
-Some overtime required
-Occasional outside bank-related activities