Sr. Appraisal Review Officer

Senior Appraisal Review Officer

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Direct message the job poster from The Bank of Missouri.

At The Bank of Missouri we know it takes great people to support the communities we serve! We are passionate about caring for people and communities, and know how to recognize and reward our employees for their talent and contributions. When you work at The Bank of Missouri, you not only get to help others, but you also get the resources, opportunities and support to grow your own career.

Staying in business for more than 130 years is hard. Really hard. But, thanks to our great customers in the communities we serve and our entire team, we’ve grown from one bank, once known as The Bank of Perryville, to now 29 locations in 22 communities across Missouri.

Since 1891, when the bank was founded, we’ve endured many events: the Great Depression, two World Wars and the Financial Crisis of . We are a growing, $.2.8 billion institution with plans to further expand as opportunities present themselves. With our roots firmly planted in Perryville, Missouri, we continue to grow; evolving and expanding with our amazing team, customers and communities.

Those principles are the reason we are still in business today: caring for people and communities is our foundation. With every financial decision we make, we bear those values in mind, every time. We are proud, but above all, very privileged to say, “We’ve been community banking since 1891.” We look forward to the bright future which lies ahead for the shareholders, employees, customers and communities served by The Bank of Missouri.

The Senior Appraisal Review Officer is responsible for overseeing the appraisal review department. The department bids, orders, and reviews real estate appraisals and completes evaluations. Reviews are documented to ensure accuracy, quality, and compliance with regulatory standards and bank policies. This role requires an understanding of appraisal methodologies, market trends, and valuation principles. The Senior Officer will also lead staff and contribute to the development of appraisal review department policies and procedures.

• Personal paid time off, as eligible and paid holidays
• 401K and Employee Stock Option Plan, as eligible
• Generous medical, dental, vision, life and disability insurance
• Fitness reimbursement
• Learning, development and growth opportunities

Bid and order in‑house and secondary market real estate appraisals from state‑certified or licensed appraisers. Review appraisals on these commercial, agricultural, and residential real estate loans for completeness, accuracy and compliance.

• Determine the utilized scope of work is appropriate for the appraisal request, acceptable methodologies are included, and conclusions are adequately supported with relevant market data.
• Identify errors, omissions, or inconsistencies in appraisals and effectively communicate revision requests to appraisers to obtain acceptable reports.
• Ensure the appraisal meets bank policy and regulatory requirements.
• Collaborate with internal teams to address any appraisal questions, concerns, or reconsideration requests.
• Complete checklists on reviewed appraisals to document an opinion on the quality and reliability of the appraisal.

Prepare evaluations using established criteria for new loans and loan renewals/modifications of residential, agricultural, and commercial property. This may include utilizing current financial information to provide an updated income approach and/or gathering appropriate comparables for the sales comparison approach.

Review evaluations prepared by other appraisal review personnel for completeness, accuracy, and compliance.

Lead resolution of all Reconsideration of Value requests, including communicating with internal teams and appraisers, and maintain corresponding documentation.

Ensure work performed and reviewed is accurate, complete and adheres to bank policy, regulatory requirements, secondary market expectations, and all other applicable guidelines. Answer internal questions on appraisal and evaluation…