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This position is responsible for appraising and evaluating real estate to ascertain values for purposes’ such as loan approvals, disposition of assets, disposition of estates and re-evaluation collateral values during term of loans.  In addition, this position is responsible for physically inspecting all Bank construction projects and ascertaining a percentage of completion for each project.

• Complete various types of real estate appraisals as needed for all areas of the Bank.
• Responsible for ordering commercial appraisals and evaluations from third-party vendors in support of the Bank’s real estate lending operations.
• Responsible for answering procedural and technical questions from internal bank employees and fee appraisers in an informative and professional manner.
• Responsible for ensuring that real estate valuations are reasonably supported, credible and compliant with federal and state regulations; bank policies and guidelines; and industry standards.
• Ensure commercial valuations services are conducted in a regulatory compliant, cost effective, and timely manner.
• Responsible for maintaining the Approved Appraisers List which includes requesting and reviewing sample appraisals and contacting references, along with presenting the List annually for approval by the Board of Directors.
• Assist with maintaining and approving appraisers for Bank fee panel which includes reviewing sample appraisals and contacting references.
• Responsible for providing input to the lending staff in writing outside of the review process on a wide range of real estate issues, including easements, zoning, obsolescence, market information, and general asset quality.
• Provide lenders with estimate of real estate value based on considering factors such as current market values, industrial and economic trends.
• Responsible for attending professional continuing education courses as needed to maintain license and professional designation, if applicable, in good standing.

• Physically inspect real estate and obtain photos as needed.
• Conduct monthly inspections of all construction projects and determine a percentage of completion for each project.
• Assist management with Bank owned properties.
• Assist with other duties that may arise from time to time.
• Perform other duties and responsibilities as assigned.
• Knowledge of appraisal guidelines and regulations, specifically USPAP, FIREEA, Interagency Guidelines, and FNMA selling guidance.
• Knowledge of construction and home building.
• Knowledge of word processing and spreadsheet skills.
• Knowledge of the terms and vocabulary associated with construction and banking.
• Strong interpersonal skills to communicate to communicate effectively and maintain positive relationships with internal associates and external vendors in a variety of situations.
• Great attention to detail and critical thinking skills.
• Able to complete several tasks at the same time.
• Problem solving abilities work well with others.
• Work well with several different personality types, organize, prioritize, coordinate and cooperate.