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Director of Appraisal Services at HomeTrust Bank

Posted in General Business 30+ days ago.

Type: Full-Time
Location: Charlotte, North Carolina





Job Description:

Role Summary

The Director of Appraisal Services is responsible for managing the Appraisal and Environmental Services Department in support of the bank’s real estate lending activities by providing collateral valuations and environmental assessments that comply with regulatory and legal requirements.  The collateral valuation function is an integral component of the credit underwriting and lending processes for both commercial and residential loans secured by real estate.  The role ensures the independence of persons engaging appraisers or evaluators and reviewing appraisals or evaluations.  The position supervises a team of appraisal specialists and manages relationships with third party service providers to carry out the responsibilities of the department. 

Key Responsibilities / Essential Functions


  1. Serves as the principal decision maker in matters related to real estate valuation, appraisal regulations and guidelines, valuation dispute resolution, appraisal policy, and environmental due diligence.

  2. Implements and administers all real estate appraisal policies for commercial and residential real estate loans consistent with regulatory guidelines and all environmental policies for commercial and residential real estate loans.

  3. Administers and manages the ordering, performance, and review of all appraisals, evaluations, and environmental due diligence services performed by third parties.

  4. Administers and manages the list of approved appraisers, third party review providers, and environmental service providers, including monitoring of ongoing performance and the addition or removal of service providers.

  5. Performs complex technical reviews of commercial real estate appraisals to provide conclusions on the acceptability of valuations and ensure they meet requirements to support internal credit processes.  Advocates for the bank to ensure accurate and quality appraisal reports are being provided by the appraisers.

  6. Manages the bank’s environmental assessment and due diligence processes by making risk-based decisions on the bank’s exposure to environmental liability in support of commercial real estate transactions.

  7. Develops a working knowledge of the real estate markets in all locations where the bank originates commercial loans.

  8. Provides market-specific and property type-specific analysis and trend information to loan officers.

  9. Provides education to lending staff, credit risk staff, and bank management regarding appraisal and environmental policies, processes, and regulations.

  10. Leads, coaches, and motivates employees through encouragement and reinforcement, to create a work environment that fosters teamwork, high morale, and retention of workforce.

Your Experience


  1. Comprehensive knowledge of appraisal regulatory requirements and standards including, but not limited to, FIRREA, USPAP, Interagency Appraisal and Evaluation Guidelines, and GSE Appraiser Independence Requirements.

  2. Extensive experience working in appraisal services at a financial institution.

  3. Ability to work collaboratively with credit administration and be decisive about decisions regarding the acceptance of appraisals and risk-based environmental due diligence.

  4. Ability to manage, train, and mentor appraisal department staff, underwriters, and loan officers in their role related to the appraisal and environmental processes.

  5. Possess strong communication (verbal and written) and interpersonal skills to deal with a variety of interactions among appraisers, credit administration and loan officers, including effective communication of decisions and negotiations.

  6. Strong relationship builder that develops trusting relationships with credit and lending staff.

  7. Proficient in business computer applications, including those commonly used in the appraisal industry.

#LI-JH1

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 pe rformed 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.

See Job Description.





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