GENERAL DESCRIPTION OF POSITION
Analyze appraisals and perform market evaluations to support credit decisions and to assist in providing safe and sound real estate lending activity.
ESSENTIAL DUTIES AND RESPONSIBILITIES
1.Perform in-house real estate evaluations in narrative form by providing an estimate of the property's market value, including appropriate approaches, as applicable. This duty is performed daily, about 50% of the time.
2.Perform appraisal reviews to determine whether the methods, assumptions and value conclusions are reasonable and that the appraisal contains sufficient information to support a credit decision. This duty is performed daily, about 35% of the time.
3.The appraisal review will also determine that the appraisal complies with regulations and supervisory guidelines as well as bank policy. This duty is performed daily.
4.Communicate any deficiencies of an appraisal to the appraiser and follow for corrections, as applicable. This duty is performed as needed, about 5% of the time.
5.Become knowledgeable of and actively use the RIMS appraisal management system. This duty is performed daily, about 10% of the time.
6.For in-house evaluations, perform visual inspection of subject property (exterior only) and document narrative with pictures of property. This duty is performed as needed.
7.Completes required BSA/AML training and other compliance training as assigned. This duty is performed annually.
8.The ability to work in a constant state of alertness and in a safe manner.
9.Perform any other related duties as required or assigned.
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
Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 3 years related experience and/or training, and 1 to 6 months related management experience, or equivalent combination of education and experience.
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 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 use common sense understanding in order to carry out detailed written or oral instructions. Ability to deal with problems involving a few known variables in situations of a routine nature.
REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS
PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS
SOFTWARE SKILLS REQUIRED
Advanced: 10-Key, Word Processing/Typing
Periodically exposed to such elements as noise, intermittent standing, walking, occasionally pushing, carrying, or lifting; but none are present to the extent of being disagreeable.
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.
While performing the functions of this job, the employee is occasionally exposed to outdoor weather conditions.The noise level in the work environment is usually moderate.
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.
Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision; and distance vision.
Experience with real estate values preferred, such as realtor training or appraisal training.
Some overtime required.
Occasional outside bank-related activities.
The position may require the use of a vehicle to service customers, administer or participate in civic events, commute to company-owned properties, commute to company-related places of business, or any other purpose considered necessary to the job. Therefore, this position is classified as a safety sensitive position.
Home Bancshares, Inc.