Appraisal Review Analyst

Appraisal Review Analyst

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. The role 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. Operating in a fast‑paced, high‑volume environment, the Analyst applies knowledge of industry regulations, agency guidelines, and appraisal methodology to identify valuation risk and ensure adherence to USPAP, FIRREA, and investor requirements.

• 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.
• Review 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.
• Independently conduct property research and analysis to develop internal real‑estate evaluations.
• Apply market knowledge and analytical skills to assess property values and market conditions.
• Provide expert guidance to underwriters and production teams on collateral and valuation‑related questions, including complex or high‑risk scenarios.
• Serve as a technical resource for appraisal and property valuation matters.
• Support appraisal department process improvements, system enhancements, and adaptation to industry regulatory changes.
• Produce high‑quality, accurate work in a deadline‑driven environment to meet established service‑level agreements.
• Prioritize and manage multiple assignments effectively.
• Understand and adhere to all bank policies, procedures, laws, and regulations applicable to the role.
• Stay current on changes to appraisal regulations, agency guidelines, and industry best practices.

• 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.
• 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).

• 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.

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.

Base salary range: $63,288.00–$. Final compensation offer may vary based on experience, education, and skills.

• Medical, Dental, Vision Insurance
• 401(k) with matching contributions
• Time Off Programs
• Health Savings Account (HSA) / Dependent Care Account
• Employee Banking
• Growth Opportunities
• Tuition Assistance
• Short‑Term/Long‑Term Disability Insurance

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. FNBO follows federal law regarding the use of marijuana (this applies to all non‑California applicants).