Appraisal Department Manager at Heritage Bank responsible for real estate valuation compliance and oversight. Leading appraisal teams to ensure risk management and regulatory compliance in Washington state.
About the role
- Lead independent underwriting and risk management for clients and prospects within a complex commercial portfolio. Preparing financial projections and providing recommendations to credit approvers in a hybrid role.
Responsibilities
- Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio.
- Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities.
- Prepare detailed short or long-term financial projections within a vendor-provided solution such as Moody’s Risk Analyst or within an Excel spreadsheet.
- Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
- Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity.
- Participate or lead client calls with Relationship Manager for in-depth financial questions and other portfolio management requirements.
- Participate in special projects to aid with the continuous improvement of portfolio management.
Requirements
- Bachelor's degree in Accounting or Finance
- Seven or more years of experience in a commercial lending environment
- Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development, and builder lines, service, retail, commercial real estate, religious organizations, and government
- Advanced written and analytical skills
- Skilled in the analysis of financial statements, tax returns, and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable)
- Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package
- PC proficiency with Word and Excel, including the use of system and user-generated formulas, macros, charts, and tables
- Strong organization skills with the ability to self-manage time and workflow to meet deadlines
- Ability to manage multiple projects at one time.
- Ability to work independently as well as within a team environment.
Benefits
- General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits .
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