Key Facts

Remote From:

United States

Full time

Senior (5-10 years)

English

Hard Skills

Critical Appraisal Regulatory Compliance USP Standards Market Analysis

Other Skills

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Analytical Skills
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Communication
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Decision Making
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Prioritization
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Time Management
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Problem Solving

Roles & Responsibilities

Bachelor’s degree from a four-year accredited college or university
10+ years of active real estate appraising and evaluation experience, including 5+ years’ experience in appraisal review for banks or lending institutions
State Certified General Appraiser License
Superior written and oral communication skills

Requirements:

Contact and select appraiser for appraisal engagement as it relates to time frame and fee
Engage appraiser utilizing the standard Stearns Bank engagement letter
Review appraisal reports completed by independent appraisers and make recommendations regarding the validity of these reports
Conduct complex commercial and residential reviews and internal evaluations

Stearns Bank N.A.

Financial Services

About Stearns Bank N.A.

For more than 100 years, we, as employee owners of Stearns Bank, have woven a sense of urgency, hard work and integrity into all we do. As a nationally-recognized, top-performing bank, we are known for our outstanding personal service and commitment to customer success. Today, we are strong enough to thrive in any economic condition and flourish through a culture of service,family, community and teamwork. Stearns Bank - Member FDIC.Our Mission: We are driven by our passion to help others achieve their greatest ambitions.We get the job done with urgency, tenacity and unlimited imagination.Our Vision: We are an unrivaled trailblazer, most admired for our people, our imagination,our simplicity. Business starts here and thrives here – we are the bank you can’tlive without.Our Values: • Integrity and accountability• Sense of urgency• Employee ownership• Ambitious hard work• Surpassing expectations• Financial discipline• Proactive communication• Community and family values• Trailblazing creativity• Common sense• Culture of success• Tenacious pursuit of excellence• Teamwork• Constant progressView our Social Media User Guidelines: https://www.stearnsbank.com/social-media-guidelines.

Company type: SME

Industry: Financial Services

Founded: 2018

Company size: 501 - 1000

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Job description

At Stearns Bank, we’re helping people, entrepreneurs, small businesses, and local communities nationwide reach their full financial potential. Sound like something you want to be a part of? If so, we’re currently looking for a Senior Appraisal Reviewer. This is a connected mobile role.

Come see how we’re doing business unusual and charting our own path to reimagine a more inclusive financial services and banking ecosystem for all.

BENEFITS

Stearns Bank understands and respects that everyone is managing unique career, family, and wellness needs. That’s why we offer industry-leading benefits to employees to help them live healthy lives and bring their full selves to work every day. Benefits may vary for part-time positions. Some of those benefits include:

Employee Stock Ownership Plan & 401k Plan
Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
12-week Paid Parental Leave and Medical Leave: With a cap of 20 weeks for eligible team members who qualify for both Medical and Parental Leave related to the birth of a child
$5,000 Family Care Reimbursement: Childcare, Elder Care, Student Loan Debt, Pet expenses, Down Payment Assistance, Health Insurance Premiums
PTO from 13 to 23 days depending on tenure. Cashout and Carryover options
10 Days Sick Time
11 Paid Holidays
4 Days Volunteer Time
2 Days Self Allowance Time
Tuition Assistance

For this position, we anticipate an annual salary range between $120,000 – 145,000.

Final employment offers will be dependent upon the selected candidate’s relevant qualifications and experience.

JOB SUMMARY

Perform real estate evaluations when required by law or internal policy. In addition, this individual will be required to review all types of real estate appraisals to ensure compliance with regulatory (FIRREA) and USPAP guidelines and Stearns Bank internal appraisal and evaluation policy and procedures.

This position is essential to the bank in maintaining independence of real estate appraisal and evaluation process. A key element is the independent selection of qualified individuals to appraise and evaluate real estate; and a qualified individual who is not involved in loan production to review the reports.

RESPONSIBILITIES

Contact and select appraiser for appraisal engagement as it relates to time frame and fee.
Engage appraiser utilizing the standard Stearns Bank engagement letter.
Review appraisal reports completed by independent appraisers. Make recommendations regarding the validity of these reports. Challenge appraisal assumptions when appropriate.
Complete appraisal review for the Banks credit file.
Conduct complex commercial and residential reviews and internal evaluations.
Monitor appraisal process from engagement to review completion.
Assist in the prioritization of the commercial reviews and evaluations.
Have a full understanding of the regulatory appraisal laws and regulations to be a go to source for the lending personnel and bank management regarding when and what type of valuation is required.
Consult and assist lending personnel regarding property values, marketability, and economics related to real estate.
Maintain current knowledge of real estate values and property developments to ensure that valuations confirm with current market.
Analyze market trends in real estate development, valuation, and appraisal techniques.
Maintains a working knowledge of all legal and regulatory compliance issues as they pertain to this position.
Loss prevention and security as applicable for this position.
Complete required training.
Perform other duties as necessary for the efficient operations of the department and organization.

REQUIREMENTS

Occasionally lift and/or move up to 25 lbs.

Ability to understand and follow instructions in English.

Ability to sit for extended periods of time, twist, bend, sit, walk use hands to twist, handle or feel objects, tools, or controls, such as computer mouse, computer keyboard, calculator, stapler, telephone, staple puller, etc., reach with hands and arms, balance, stoop, kneel, talk, or hear.
Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

QUALIFICATIONS

Bachelor’s degree (B.A./B.S.) from a four-year accredited college or university.

10+ years of active real estate appraising and evaluation experience, which includes 5+ years’ experience in appraisal review for banks or lending institutions.
State Certified General Appraiser License
Superior written and oral communication skills.
Ability to prioritize work to maximize efficiency.
Strong analytical and decision-making skills.
Highly motivated and able to work in a fast-paced environment.

PREFFERED QUALIFICATIONS

Member of the Appraisal Institute
MAI and/or AI-GRS Designation or pursuing

THE COMPANY

Founded in 1912, Stearns Financial Services Inc. (SFSI) is a $3.2 billion, independently owned financial institution with locations in Minnesota, Florida and Arizona, and over 35,000 small business customers nationwide. Specializing in affordable housing financing, USDA and SBA lending, and small business and equipment financing, Stearns Bank is regularly recognized as one of the country’s top-performing banks and “Best Banks to Work For” by American Banker.

As a Star Tribune Top Workplaces award recipient and an award recipient of the Minnesota Business Magazine 100 Best Places to Work in Minnesota, Stearns takes pride in their team and holds their employees in extremely high regard. We offer a competitive salary and benefit package including our Employee Stock Ownership Program-one of the best long-term incentive programs in the nation. To learn more about Stearns Bank, visit www. StearnsBank.com

EQUAL OPPORTUNITY EMPLOYER /AFFIRMATIVE ACTION PLAN

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, or creed, religion, sex, marital status, familial status, sexual orientation, national origin, age, disability, veteran’s status, status with regard to public assistance, or any other class protected by Federal, State, local laws governing nondiscrimination in employment.

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