Appraisal Review Analyst

About the role

The Appraisal Review Analyst plays a critical role in ensuring the quality, accuracy, and regulatory compliance of residential real estate valuations supporting FNBO's lending operations. This position conducts comprehensive reviews of both complex and non-complex residential appraisal reports, develops internal property evaluations, and serves as a subject matter resource for underwriting and production teams on collateral valuation and eligibility matters.

Responsibilities

• Conduct independent reviews of residential appraisal reports (single family, condominium, and 2-4 unit properties) for accuracy, completeness, and compliance with USPAP, FIRREA, and applicable agency and investor guidelines.
• Identify valuation risk, property eligibility issues, overvaluation concerns, and compliance deficiencies through detailed analysis.
• Evaluate comparable sales, market trends, and property characteristics to validate appraisal conclusions.
• Evaluate appraiser methodology, logic, and conclusions to ensure credible and well-supported valuations.
• Communicate professionally and clearly with appraisers to resolve questions, request clarifications, or address deficiencies.

Requirements

• Strong working knowledge of USPAP (Uniform Standards of Professional Appraisal Practice).
• Comprehensive understanding of Fannie Mae and Freddie Mac appraisal guidelines, FHA Handbook 4000.1 requirements, and USDA appraisal/property requirements.
• Excellent analytical skills with strong attention to detail.
• Exceptional verbal and written communication skills, including the ability to clearly communicate technical concepts.
• Ability to prioritize multiple tasks and meet deadlines in a fast-paced environment.
• Sound judgment and decision-making capabilities.
• Proficiency with Microsoft Office Suite (Outlook, Word, Excel).

Qualifications

• Bachelor's degree or equivalent combination of education and experience.
• Minimum 3 years of residential appraisal experience.
• Experience reviewing residential appraisal reports for compliance and credible valuation - preferably in a bank, mortgage lender, or appraisal management company (AMC) environment.

Skills

• Knowledge of appraisal technology platforms including FNC CMS, Fannie Mae Collateral Underwriter (CU), Freddie Mac Loan Collateral Advisor (LCA), and/or Encompass LOS.
• Ability to work in a hybrid work arrangement, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week.

Benefits

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance
• 401k, With Matching Contributions
• Time Off Programs
• Health Savings Account (HSA)/Dependent Care
• Employee Banking
• Growth Opportunities
• Tuition Assistance
• Short-Term/Long-Term Disability Insurance

Pay

Compensation range (base pay): $63,288.00-$104,425.00

Schedule

Hybrid work arrangement requiring onsite presence at Omaha Tower 3 days per week in a standard office environment. Extended hours or overtime may be required during peak volume periods.