First Security Bank Appraiser in Missoula, Montana
About The Role
Position is responsible for various appraisal and administrative duties. Primary role is to review the quality of another appraiser's work in the form of a written review. Other roles involve supporting loan or underwriting team with complex commercial construction inspections and expertise on questions about value, conditions, or configuration of the real property. Additional duties include a team approach to engagement, review, and paying of invoices.
DUTIES AND RESPONSIBILITIES:Appraisals
Review quality of another appraiser's work in form of a written review to confirm compliance with Bank policies and Uniform Standards of Professional Appraisal Practice (USPAP). The review of other appraisers' work includes evaluating the steps of the appraisal process, identifying the problem, determining assumptions, and limiting conditions, collection and analysis of market data for subject and comparable properties, tests or highest and best use, analysis of the three approaches to value (Income Capitalization, Cost, & Sales Comparison), and reconciliation or value conclusion.
Re-validate existing third-party appraisal on file. This process includes gathering current market data for the product type under review and conducting a current physical inspection to determine if the value found in the original appraisal report is still valid.
Overseeing the commercial appraisal ordering process which includes collecting appraisal orders and supporting documentation from lenders, soliciting bids, working with the lender to choose an appraiser for the assignment, imaging appraisal reports, appraisal review forms, invoices, and coordinating payment to the appraiser after their report has been satisfactorily reviewed. This would include acting as a liaison between lender and appraiser to answer questions that arise during assignment and working to ensure that completion deadlines are met.
Maintain and update the list of Bank approved appraisers which would include obtaining current insurance and license information on an annual basis and conducting periodic reviews to ensure continued adherence to Bank's quality standards.Consulting
Supporting loan or underwriting team with commercial construction draw inspections. This includes physical inspection of construction projects to determine whether the work completed is consistent with the general contractor's draw request and to identify areas where cost overruns may be present.
Supporting loan or underwriting team with expertise on questions about value, conditions, or configuration of real property. Other consulting duties include compiling and sharing real estate market data including but not limited to vacancy rates, capitalization rates and market absorption rates for the various classes of commercial real estate.Other
Comply with all applicable laws, regulations, policies, and procedures. Adhere to all security procedures and regulatory guidelines for the Bank Secrecy Act, Office of Foreign Assets Control and USA Patriot Act/Customer Identification Act (CIP). Maintain strict confidentiality of customer's personal and financial information.
Develop and improve skills through training programs and regular feedback discussions with supervisors, which help further professional development. Participate in all training sessions and complete all assigned OnCourse compliance courses on timely basis.
Must be able to provide documentation of minimum five years or directly related work experience.EDUCATION/CERTIFICATIONS/LICENSES
Must be in good standing and possess current Montana certification/licensing as a Certified General Appraiser in accordance with regulation/laws in the State of Montana. Must maintain all necessary education and other categories necessary for renewal of certification/license. Must possess a current valid driver's license.
KNOWLEDGE, SKILL, ABILITY:INTERPERSONAL SKILLSA significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance. Courtesy, tact, and diplomacy are essential elements of the job. Relate to others in an open and accepting manner; friendly and approachable. Sense how others feel; treat others with fairness, dignity, and respect. Cultivate rapport with all persons encountered at work. Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques. Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and externals customers. We expect you, as an employee, to embrace the FSB Way and to support our values and visions of Integrity, Service, and Success. Teamwork: Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.OTHER SKILLSExtensive working knowledge of appraisal function, practices, and procedures; State, federal and industry appraisal regulations, and guidelines; applicable laws and regulations related to appraisal function. Skill in areas related to computer operation/use including strong working knowledge and demonstrated use of MS Office software, e-mail, and the Internet. Ability to analyze, evaluate and interpret state and federal regulations, and other technical information; deliver top performance in a fast-paced results-oriented environment; build trust and confidence with others; follow written and oral instructions; make and defend decisions. Position Specific Competencies: Mathematical skills-used to properly analyze properties, market conditions, and to ascertain value; calculate amounts. Analytical skills-synthesizes complex or diverse numerical data and other information, legal documents, and other regulation documents; analyzes market conditions, applies information to determine value of residential or commercial property. Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others. Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs. Confidentiality: Maintain strict confidentiality regarding any information obtained during the course of performing job duties; adhere to Bank policies and procedures regarding confidentiality. Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results. Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude. Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines. Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations. Individual Responsibility and Accountability: Accept responsibility for own work performance; accepts responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon others as a source of valid information.
WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. Travel is required to visit other offices, businesses, homes and/or property for appraisal purposes.
PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.
Specific lifting abilities required by this job include: 20 lbs.
Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.
What We Offer
COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, and paid sick, holiday, and vacation time.
COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website.
We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.
No Recruiters or unsolicited agency referrals please.
•We are an Equal Opportunity Employer.
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