Sr. Commercial Appraisal Analyst at HomeTrust Bank in Asheville, North Carolina

Job Description:

Role Summary

Orders and reviews commercial appraisals ensuring accuracy, quality, and credibility while maintaining timeliness of appraisals and reviews. Orders and reviews environmental due diligence for the bank’s commercial collateral. Manages business relationships with related vendors.

Key Responsibilities / Essential Functions

• Orders commercial real estate appraisals and/or environmental due diligence for the bank’s commercial collateral.


• Effectively communicates requirements to external fee appraisers and external environmental engineering firms, and determines which service providers are most appropriate for a particular assignment.

• Performs complex technical reviews of commercial real estate appraisals and/or environmental reports for compliance with law and policy and for reasonableness and credibility.

• Advises bank personnel on matters such as type of appraisal to request, types of values needed, required valuation scenarios, and/or environmental reports.

• Ensures valuations align with current market conditions.


• Trains and aids other teammates in Credit Administration, Commercial and Consumer Lending (Real Estate), and other related departments regarding appraisal and environmental services.


• Assists the Director of Appraisal Services in maintaining the Commercial Appraisal Policy, the Environmental Policy, and related documents.


• Maintains effective relationships with external fee appraisers and other vendors.


• Adheres to all applicable laws and regulations governing bank operations, including compliance with BSA/AML Policy and Procedures.

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Your Experience

• Advanced degree from an accredited college or university


• 7+ years of professional appraisal/appraisal review or related experience required.


• Previous banking or credit experience preferred.


• Excellent communication (written and verbal), interpersonal, and time management skills. 


• Ability to work independently while managing multiple projects/processes.


• Demonstrated advanced working knowledge of regulations affecting the appraisal industry to include FIRREA, USPAP, and the Interagency Guidelines.


• Proficient in Microsoft Office, SharePoint, and other business applications.


• Ability to effectively resolve valuation differences/discrepancies between appraisers and loan production staff.


• Ability to maintain advanced knowledge of real estate value trends and property developments.

• A thorough understanding of complex commercial real estate properties and appraisals.

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Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.  HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.


• While performing the duties of this job, the employee is regularly required to talk or hear.


• Physical activity requiring reaching, sifting, lifting, finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.

DISCLAIMER:  HomeTrust Bank is an evolving company.  As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank is an equal opportunity employer.  We are committed to providing equal employment opportunities for all employees without regard to sex, race, color, religion, national origin, age, disability, sexual orientation, genetic information, or veteran status.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

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