Appraisal Analyst II

Description Appraisal Analyst II u2013 Alternative Collateral Products Position Overview The Appraisal Analyst II u2013 The Alternative Collateral Product Reviewer is a key contributor within the Collateral Risk Management (CRM) team and is responsible for reviewing and rendering decisions on nonu2011traditional and alternative valuation products used in residential mortgage lending. This role supports safe and sound lending by evaluating the adequacy, appropriateness, and risk implications of alternative collateral documentation in accordance with internal policy and investor guidelines. The analyst applies independent judgment within delegated authority and partners closely with underwriting, pipeline management, and business partners to ensure collateral decisions are wellu2011supported, consistently applied, and aligned with risk appetite. Primary Responsibilities + Perform moderately complex reviews of alternative collateral products, which may include but are not limited to: + Property Data Reports (PDR) + Property Data Collect products (PDC) + Hybrid appraisals + Desktop appraisals + Evaluations and other policyu2011approved alternative valuations + Review alternative collateral documentation for compliance with: + Bank collateral policy + Fannie Mae and Freddie Mac guidelines + Applicable regulatory and supervisory guidance + Assess whether the selected collateral product is appropriate for the transaction type, risk profile, and loan purpose. + Analyze data integrity, property characteristics, market context, and valuation conclusions to determine whether collateral risk is adequately addressed. + Identify missing, conflicting, or unsupported information and place clear conditions or revision requests as required. + Render collateral decisions within delegated authority: + Accept + Condition + Escalate to higheru2011level review when risk, complexity, or policy exceptions exist + Apply risku2011based judgment when alternative collateral results conflict with market data, borrower information, or other file components. + Document clear, defensible review notes to support underwriting decisions, audit review, and investor inquiries. + Communicate professionally with internal partners, vendors, and collateral operations teams to resolve issues efficiently. + Escalate quality concerns, policy gaps, or emerging risk trends to management. + Meet or exceed established productivity, quality, and turnaround time expectations. + Adhere to all bank policies, regulatory requirements, and internal procedures. + Perform other duties as assigned by management. Qualifications Required + Minimum of 2u20134 years of experience in: + Collateral risk review + Real Estate Professional + Mortgage underwriting with collateral decision authority + Valuation review or appraisal operations + Demonstrated knowledge of: + Alternative collateral products and their appropriate use + Fannie Mae and Freddie Mac collateral eligibility requirements + Bank collateral policy and risku2011based decisioning + Strong analytical and criticalu2011thinking skills with the ability to assess reasonableness and risk without reliance on a traditional appraisal. + Ability to clearly document decisions and communicate complex collateral issues. + Proven ability to manage an individual pipeline in a production environment. Preferred + Prior experience reviewing alternative valuation products + Familiarity with automated valuation tools, risk scoring models, and property data analytics + Experience supporting audits, QC reviews, or investor inquiries related to alternative collateral Skills & Competencies + Risku2011focused, independent decisionu2011making + Strong policy interpretation and application skills + High attention to detail and consistency + Professional, solutionu2011oriented communication style + Ability to manage exceptions and ambiguity + Adaptability in a changing collateral and regulatory landscape + Commitment to quality, accountability, and continuous improvement Working Conditions + REMOTE + Standard business hours; flexibility may be required during peak volumes or pilot initiatives Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleagueu2019s or a dependentu2019s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 04/27/2026

Created: 2026-04-13