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

• 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

Qualifications

• Bachelor's degree or equivalent combination of education and experience
• 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)

Skills

• Knowledge of industry regulations, agency guidelines, and appraisal methodology
• Ability to apply knowledge to identify valuation risk and ensure adherence to USPAP, FIRREA, and investor requirements
• Ability to independently conduct property research and analysis to develop internal real estate evaluations
• Ability to assess property values and market conditions using market knowledge and analytical skills
• Ability to provide expert guidance to underwriters and production teams on collateral and valuation-related questions
• Ability to support appraisal department process improvements, system enhancements, and adaptation to industry regulatory changes
• Ability to produce high-quality, accurate work in a deadline-driven environment to meet established service level agreements
• Ability to prioritize and manage multiple assignments effectively
• Understanding and adherence to all bank policies, procedures, laws, and regulations applicable to the role
• Ability to stay current on changes to appraisal regulations, agency guidelines, and industry best practices

Benefits

• Medical, Dental, Vision Insurance
• 401(k), 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

$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.