Senior Appraisal Officer

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Job description

Since opening our doors in 1926, Seacoast Bank has embraced a visionary approach to the future while remaining true to our local roots and family values. Based in Stuart, we are one of the largest publicly traded banks headquartered in Florida.

We believe that our greatest assets will always be our people - local bankers who are knowledgeable about the communities we serve and dedicated to providing an exceptional customer experience.

We offer exciting and challenging opportunities in an environment that supports diversity, enabling associates across the organization a greater sense of empowerment to create change for the better. This is evident in our American Banker "2020 Best Banks to Work For" and "Best Places to Work for LGBT Equality" by the Human Rights Campaign designations.

JOB SUMMARY:

The Sr. Appraiser is responsible for leading a small team, defining appraisal engagement requirements, coordination and review of appraisal and environmental services to support the bank's real estate lending activities and in compliance with regulatory and legal requirements. The collateral valuation function is an integral component of the underwriting and lending processes for loan secured by both commercial and residential real estate. The role ensures the independence of persons engaging appraisers or evaluators and reviewing appraisals or evaluations, and must collaborate with lending associates and borrowers. The position may also manage relationships with third party service providers to carry out the responsibilities of the department.

QUALIFICATIONS:

* 6-8 years of progressive, related experience
* Comprehensive knowledge of appraisal regulatory requirements and standards including, but not limited to, FIRREA, USPAP, Interagency Appraisal and Evaluation Guidelines, and GSE Appraiser Independence Requirements.
* Experience working in appraisal services at a financial institution preferred.
* MAI preferred.
* AI-GRS (Appraisal Institute - General Review Specialist) and State licensing required.
* Ability to work collaboratively and be decisive about the acceptance of appraisals and risk-based environmental due diligence.
* Possess strong communication (verbal and written) and interpersonal skills to deal with a variety of interactions among appraisers, associates and borrowers, including effective communication of decisions and negotiations.
* Strong relationship builder that develops trust.
* Proficient in business computer applications, including those commonly used in the appraisal industry.

ESSENTIAL JOB FUNCTIONS:

* Leads the department
* Serves as a decision maker in matters related to real estate valuation, appraisal regulations and guidelines, valuation dispute resolution, appraisal policy, and environmental due diligence. Would seek support and corroboration with the bank's Chief Appraiser and other staff members.
* Assist in implementing and administering all real estate appraisal policies for commercial and/or residential real estate loans consistent with regulatory guidelines and all environmental policies for commercial and/or residential real estate loans.
* Participate in ordering, performance, and review of all appraisals, evaluations, and environmental due diligence services performed by third parties.
* Contribute to the administration and management of the list of approved appraisers, third-party review providers, and environmental service providers, including monitoring of ongoing performance and the addition or removal of service providers.
* Performs technical reviews of commercial and residential real estate appraisals to provide conclusions on acceptability and ensure requirements meet internal credit processes.
* Has the competency to perform internal evaluations per the banks appraisal guidelines.
* Advocates for the bank to ensure quality appraisal reports are being provided by the appraisers.
* Advise on the environmental assessment and due diligence processes by making risk-based decisions on the exposure to environmental risks relative to commercial real estate transactions.
* Develops a working knowledge of the real estate markets in all locations where the bank has loan exposure.
* Provides education to lending associates, credit risk associates, and management regarding appraisal and environmental policies, processes, and regulations.