Collateral Analyst
About the role
Farm Credit Mid-America is a financial services cooperative serving farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences. Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 14 years.
Responsibilities
- Conducts appraisals and/or valuations of association loan collateral and acquired properties, including chattel appraisals and site inspections for environmental risks.
- Provides adequate and accurate collateral and valuation information to aid the association in the decision-making process.
- Develops and maintains comparable sales information.
- Proactively embraces opportunities to share ideas and fosters an environment that exhibits our association's purpose and values.
- Applies solid functional knowledge and sound judgment to deliver dependable, high-quality work with minimal direction.
- Manages moderately complex responsibilities, balances priorities effectively, and contributes meaningful insights that support team and functional performance.
- Navigates varied situations, identifies improvement opportunities, and operates with increasing autonomy.
- Conducts timely, high-quality, and credible appraisals and valuations of loan collateral and acquired properties, including determining highest and best use, analyzing property and market characteristics, identifying environmental risks, applying accepted valuation methods, and supporting conclusions through well-documented appraisal/valuation reports.
- Collects, investigates, documents and maintains comparable sales data which includes searching public records, verifying sale conditions and financing terms, making property inspections, abstracting sale price, platting legal descriptions, and documenting results.
- Analyzes market trends, comparable sales, adjustment factors, depreciation, capitalization rates, and valuation methodologies, and clearly communicates analytical results.
- Provides consultative support on valuation issues, market trends, and environmental risk considerations to internal and external stakeholders.
- Supports effective team operations and customer service by coordinating coverage, maintaining availability, representing the association at offices and industry events, and performing other assigned duties such as non-local appraisals/valuations, appraisal reviews, chattel valuations, and fee service assignments.
- Manages assigned work with minimal direction delivering a high degree of accuracy, quality and timely completion.
- Applies functional knowledge and judgment to evaluate information and make informed decisions.
- Anticipates needs, manages competing priorities, and proactively communicates status or risks.
- Serves as a resource to less experienced team members through informal guidance.
Requirements
- High School Diploma/GED with 7 years relevant experience required.
- Bachelor's degree with 3 years relevant experience preferred.
- Associate Appraisal License or Licensed/Certified Residential or Certified General state license with at least two years of appraisal experience is preferred.
Qualifications
- Strong communication and problem-solving skills.
- Ability to work independently and manage multiple tasks.
- Proficiency in Microsoft Office Suite.
- Knowledge of local and regional real estate markets.
- Experience with appraisal software.
Skills
- Appraisal and valuation expertise.
- Market analysis and trend identification.
- Effective communication and interpersonal skills.
- Attention to detail and accuracy.
- Ability to work under pressure and meet deadlines.
Benefits
The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions. Benefits include medical, dental, and vision insurance, well-being and fitness reimbursement programs, paid vacation, sick leave, and holidays, a 401(k) plan with company contributions and matching opportunities, paid parental leave, short-term and long-term disability coverage, tuition reimbursement and professional development programs, community involvement and volunteer opportunities, and variable compensation opportunities for eligible positions.
Pay
The salary range for this position is estimated to be $60,265.00 – $125,909.00 annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget.
Schedule
Full Time, Onsite
Travel
50% - 75%