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

• Required Education & Experience: 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.
• Required Knowledge, Skills & Abilities: 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

• Preferred Qualifications: Certified Residential Appraiser or Certified General Appraiser license. Experience with appraisal technology platforms including FNC CMS, Fannie Mae Collateral Underwriter (CU), Freddie Mac Loan Collateral Advisor (LCA), and/or Encompass LOS.

Skills

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).

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. This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

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.