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.
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)
Preferred Qualifications
- 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.
Compensation:
Compensation range (base pay): $63,288.00-$104,425.00
This role may have a specific starting pay within this range.
Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment:
It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.
Benefits Overview:
We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ .
For additional information regarding compensation and benefits, e-mail FNBO at [email protected] . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20261091
Equal Opportunity & Belonging:
FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
Learn more here.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
Click here to download 'EEO is The Law' Self-Print Poster
Click here to download 'EEO is The Law' Supplement for Federal Contractors
Click here to download 'EEO is The Law' GINA Supplement
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)
Application Deadline:
All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
