Appraisal Review Analyst

Requirements

• 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
• Working Conditions
• 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.
• *This position description is intended to describe the general nature and level of work being performed. It is not an exhaustive list of all responsibilities, duties, and skills required. Duties and responsibilities may be adjusted based on business needs.*
• Candidates must possess unrestricted work authorization and not require future sponsorship.

Benefits

Additional Information

At FNBO, our employees are the heart of our story-and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success. Summary of the Job: 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. This position 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 Appraisal Review Analyst applies knowledge of industry regulations, agency guidelines, and appraisal methodology to identify valuation risk and ensure adherence to USPAP, FIRREA, and investor requirements. About This Role: Appraisal Review & Compliance 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 Property Valuation & Analysis 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 Collaboration & Support 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 Quality & Productivity Produce high-quality, accurate work in a deadline-driven environment to meet established service level agreements Prioritize and manage multiple assignments effectively Compliance & Risk Management 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 The Ideal Candidate for This Role: Required Education & Experience 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 Required Knowledge, Skills & Abilities 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)

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