Director of Appraisal Services

4 months ago

Charlotte, United States HomeTrust Bank Full time
Job Summary

The Director of Appraisal Services is responsible for managing the Appraisal and Environmental Services Department in support of the bank's real estate lending activities by providing collateral valuations and environmental assessments that comply with regulatory and legal requirements. The collateral valuation function is an integral component of the credit underwriting and lending processes for both commercial and residential loans secured by real estate. The role ensures the independence of persons engaging appraisers or evaluators and reviewing appraisals or evaluations. The position supervises a team of appraisal specialists and manages relationships with third party service providers to carry out the responsibilities of the department.

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Serve as the principal decision maker in matters related to real estate valuation, appraisal regulations and guidelines, valuation dispute resolution, appraisal policy, and environmental due diligence.
  • Implement and administer all real estate appraisal policies for commercial and residential real estate loans consistent with regulatory guidelines and all environmental policies for commercial and residential real estate loans.
  • Administer and manage the ordering, performance, and review of all appraisals, evaluations, and environmental due diligence services performed by third parties.
  • Administer and manage 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.
  • Lead, coach, and motivate employees through encouragement and reinforcement, to create a work environment that fosters teamwork, high morale, and retention of workforce.
  • Provide leadership of assigned team, lead efforts in recruitment, interviewing, and training employees, plan, assign, and direct departmental work.
  • Coordinate interdepartmental goals to ensure alignment with company goals and vision.
  • Perform complex technical reviews of commercial real estate appraisals to provide conclusions on the acceptability of valuations and ensure they meet requirements to support internal credit processes. Advocates for the bank to ensure accurate and quality appraisal reports are being provided by the appraisers.
  • Manage the bank's environmental assessment and due diligence processes by making risk-based decisions on the bank's exposure to environmental liability in support of commercial real estate transactions.
  • Develop a working knowledge of the real estate markets in all locations where the bank originates commercial loans.
  • Provide market-specific and property type-specific analysis and trend information to loan officers.
  • Provide education to lending staff, credit risk staff, and bank management regarding appraisal and environmental policies, processes, and regulations.
  • Coach and provide ongoing performance feedback to employees, set realistic and measurable performance goals and ensure employees have appropriate professional development opportunities.
  • Effectively manage performance and assist employees to meet established company standards and expectations.
  • Maintain confidentiality and security of sensitive information.
  • Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
  • Complete all mandatory annual compliance training.
  • Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
  • Perform other duties and special projects as assigned.


Job Requirements

Education:
  • Bachelor's degree required.
Required:
  • 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 in appraisal services, compliance, and management commensurate with the job function.
  • Ability to work collaboratively with credit administration and be decisive about decisions regarding the acceptance of appraisals and risk-based environmental due diligence.
  • Ability to manage, train, and mentor appraisal department staff, underwriters, and loan officers in their role related to the appraisal and environmental processes.
  • Possess strong communication (verbal and written) and interpersonal skills to deal with a variety of interactions among appraisers, credit administration and loan officers, including effective communication of decisions and negotiations.
  • Strong relationship builder that develops trusting relationships with credit and lending staff.
  • Proficient in business computer applications, including those commonly used in the appraisal industry.
  • Proficient in Microsoft Office products.


About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.
  • This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
  • Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
  • Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
  • The employee will frequently communicate and must be able to exchange accurate information with others.
  • The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.


DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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