Collateral Services Director (Appraisal Executive) EverBank Financial
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Position will be responsible for managing staff, directing and coordinating all appraisal, environmental, and property evaluation activities within the EverBank enterprise. Responsible for setting appraisal policy consistent with industry standards and EverBank?s strategic needs and for ensuring that all appropriate controls are in place. Responsiblefor regulatory and compliance matters including interactions with regulatory examiners and internal auditors. Responsible for effective and efficient operations within the unit across the enterprise. Establish and maintain optimal network of vendors that meets strategic and operational needs of EverBank. Ensure department activities and work product are consistent with appraisal industry standards and EverBank?s operational needs. Review and evaluate third party real estate appraisals and environmental assessments of commercial real estate in lending markets nationwide.
? Manage process for commercial and residential appraisals, third party site inspections, and borrower provided property status documents for consistency, efficiency, and effectiveness. Ensure evidence of review with relevant comments regarding validity of conclusions, adequacy of due diligence, etc. Ensure documentation is adequate to meet all requirements of regulatory bodies, internal and external auditors, and any counterparties in securitization or similar transactions.
? Establish and maintain safe and sound appraisal policies ensuring compliance with USPAP, FIRREA and EverBank requirements.
? Ensure that quality, timely and cost effective valuation products are used in supporting EverBank?s real estate secured lending activities.
? Develop internal audit processes, controls, and procedures that will identify gaps in the fulfillment of appraisal requests.
? Manage, direct and coordinate staff supporting all property evaluation and appraisal sourcing and review activities. Includes assigning work activities, monitoring work flow, ensuring adequate licensing and training, review and evaluation of work products, conclusions, and practices.
? Manage the sourcing and review of environmental assessments to provide credible risk assessments relating to loan collateral.
? Train internal groups (including, but not limited to) underwriting, operations, credit, portfolio/asset management, and sales on appraisal methodology / valuation techniques, environmental assessments, tools, and related processes.
? Establish and maintain an effective relationship with senior management, underwriting, loan officers, sales and service partners. Produce reports to leadership, evaluate trends and outcomes to ensure appropriate lending decisions are made.
? Qualify external third party appraisers and other vendors nationally for approved vendor/ appraiser list. Establish and maintain quality monitoring program for all vendors. Ensure that adequate documentation is kept regarding additionas or deletions from that approved vendor list. Periodically evaluate list for capacity, quality, and strategic fit with EverBank?s needs.
? Monitor regulatory and industry developments to ensure that EverBank is proactively addressing changes in requirements or practices.
? Maintain current real estate knowledge in multiple markets to enable credible evaluation of existing and proposed real estate collateral
? Travel required to conduct site inspections or to other enterprise offices as part of managerial duties.
Minimum Qualifications (Knowledge, Skills and Abilities)
? Deep knowledge of principles, practices, methods and techniques of commercial real estate appraisal
? Extensive commercial real estate appraisal experience in both traditional and investment bank environments
? Extensive knowledge of residential appraisal techniques, industry practices, and tools.
? Ability to recognize and interpret real estate sales/lease data and market trends
? Proficient in relevant software programs including MS word, Excel, Powerpoint,
? Ability to utilize data resources and internet services to evaluate appraisal value conclusions. Familiar with major commercial and residential database services (CoStar, LoopNet, MultiList, etc)
? Independent judgment and initiative are required across a broad spectrum of responsibilities including vendor selection, quality assessment, process design, dispute resolution, and regulatory compliance.
? Time management skills ? ability to manage multiple priorities and clients at the same time
? Work well in a fast paced mortgage production environment
? Ability to assess the stability of a property?s income and value relative to its market
? Ability to think independently to resolve issues relating to third party appraisals and make sound recommendations to credit and asset manager staff.
? Ability to effectively analyze various commercial income property types in major markets
? Demonstarted excellence in communicating clearly and concisely, both orally and in writing
? Ability to organize, direct and implement a comprehensive appraisal program
? Working knowledge of environmental evaluation practices and tools
Training and Experience
? Bachelor?s Degree and 7-10 years minimum experience in commercial real estate appraisal experience working for or with banks. 2-3 years residential appraisal experience preferred.
? State Certified General license required (min. 5 years)
? MAI certification
? National real estate valuation experience
? Personnel management experience
? Process design experience
? Environmental evaluation experience preferred
? Experience as an in-house commercial review appraiser within the commercial mortgage industry is preferred.
Pre-Employment Screening Includes:
? Credit Check
? Criminal Background Check
? Drug Screen ? after offer of employment is extended and before start date
? Past Employment Verification
? Social Security Verification
Note: The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all duties, responsibilities, and skills required of personnel so classified, and they may change at any time.
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EverBank is an equal opportunity employer. No employee or applicant for employment will be discriminated against because of race, color, religion, national origin, physical or mental disability, age, gender, sexual orientation, genetic information, veteran?s status, or status as a disabled veteran or veteran of the Vietnam era.
EverBank is not seeking assistance or accepting unsolicited resumes from search firms for employment or contractor opportunities. Regardless of past practice, all resumes submitted by search firms to any employee at EverBank via e-mail, the Internet, or directly to hiring managers at EverBank in any form without valid written search agreement executed by the VP, Talent Acquisition for that specific position will be deemed the sole property of EverBank, and no fee will be paid in the event the candidate is hired by EverBank as a result of the referral or through other means.
||8100 Nations Way |
Jacksonville, FL 32256
THIS JOB HAS EXPIRED