Financial Spreads & Appraisal Review Analyst

at Central National Bank in Junction City, Kansas, United States

Job Description

Lead. Empower. Build. Invest. Adapt.
If you are looking to become a part of a leading institution that is making an impact within the communities it serves, look no further! Central National Bank is looking to add a Financial Spreads & Appraisal Review Analyst to the team.

• Paid leave including vacation, personal, sick
• Paid holidays
• Paid volunteer time
• Health Insurance
• Dental, vision, cancer, short-term disability, long-term disability, etc.
• Access to our employee assistance program
• 401K & Generous Match (subject to eligibility requirements)

• Responsible for spreading financial statements and tax returns based upon information provided by lender(s) on behalf of customers and prospects.
• Communicate with lender(s), as necessary, including but not limited to, informing lender(s) if additional information is necessary to complete the spreads. 
• Generate financial ratios, using a computer program, to evaluate customers' financial status.
• In coordination with other department employees, ensure financial statements and tax returns are imaged to the credit file and financial ticklers are appropriately updated
• Communicate with appraisers on Approved Appraisers' list to determine availability to perform appraisal assignment. Schedules appraisal and monitor report return dates.
• Maintain current spreadsheet of appraisal order requests.
• Receive appraisal reports and complete internal review of appraisals; request updates from appraisers as needed. 
• Coordinate with Accounts Payable to ensure timely payment of appraisal invoices. 
• Review non-complex and complex commercial, agricultural, and/or residential appraisals and write administrative reviews. Requires ability to determine compliance with Appraisal Regulations and appropriateness of appraisers' reasoning, logic, and conclusions. Reviewer will communicate results to loan officer. 
• Request any appraisal corrections that are deemed necessary, monitor return dates for corrections. 
• Communicate with appraisers/AMC's to obtain clarification and additional supporting explanations and/or data as deemed necessary.
• Assist in maintaining a quality control system that evaluates and monitors the ongoing performance of appraisers.
• Responsible for making recommendations to management regarding the continuation, limitations, or removal of an appraiser from the approved appraiser list.
• Provide support to all areas of the Credit Administration Division as directed or where service or assistance is needed; demonstrate superior customer service with appropriate follow through with involved appraisers and employees. 
• Handle customer and loan officer inquiries on loans and/or collections of a deposit account. 
• Conduct problem resolution and communicate with officers or customer(s) the findings.
• Run daily query of posted DDA charged off deposits.
• Generate and mail DDA 30 day collection notice and mail prior day letters
• Monthly post payments from CBCS and balance this clearing account.
• Report charged-off deposit accounts to Chex Systems, forward the necessary account(s) to Collection Agency.
• Other tasks as assigned by management.

Experience:
Qualified applicants should have two to five years of similar or related experience with prior experience working in credit administration, loan operations, finance, or other banking-related field preferred. Candidates should also have a college degree in accounting or a business-related field. A basic understanding of accounting concepts (including GAAP) should be demonstrated. Also, this person should also be detail oriented and demonstrate a commitment to both accuracy and timeliness in their work product. Additionally, the position requires someone who exhibits great customer service and communication skills. 

Next Steps:
Head on over to centralnational.com/careers and complete a quick application. If your qualifications match up, a member of our team will be in touch with you to discuss the next steps.

Equal Opportunity Employer/Veterans/Disabled