APPRAISER JOB DESCRIPTION

An Appraiser in property and casualty insurance determines what a damaged asset is worth and what it will cost to make a policyholder whole. The work spans physical inspection of vehicle or contents damage, compliance with state fair-claims-practices statutes, and written documentation that survives regulatory audit and litigation review. Settlement accuracy is the central professional standard - an estimate that is too low exposes the carrier to bad-faith liability, while one that is too high erodes loss ratios that underwriters depend on. Licensing requirements vary by state, and many roles require maintaining an active adjuster or appraiser license as a condition of continued employment.

As the Appraiser, you inspect damaged property, apply coverage terms to determine compensable loss, and produce written estimates and settlement recommendations that move claims from first notice of loss to closure. You operate within a claims department team, coordinating daily with adjusters, repair facilities, independent vendors, and policyholders under service-level timelines set by state regulation and carrier policy.

Career Impact: Holding an active state appraiser or adjuster license in a P&C carrier environment establishes a recognized professional credential that transfers across carriers, lines of business, and into senior claims or litigation-support roles.

Business Impact: Accurate appraisals directly determine reserve adequacy for each file - when estimates are wrong, indemnity reserves are misstated, and the carrier's combined ratio reflects it.

Growth Opportunity: Appraisers who develop proficiency across vehicle, contents, and commercial property lines become eligible for desk-review leadership, vendor-program management, or specialty roles in subrogation and fraud investigation.

• Inspect damaged vehicles or personal property at field locations or via photo-image review to document the scope and cost of physical damage.
• Prepare written repair-cost estimates or total-loss valuations consistent with carrier guidelines and state fair-claims-practices requirements.
• Negotiate repair pricing and methodology with body shops, restoration contractors, and independent repair facilities to reach agreed settlement figures.
• Review submitted appraisal documentation for coverage applicability, comparing policy terms against claimed damages before authorizing payment.
• Identify subrogation potential and fraud indicators from physical evidence and claim file data, referring findings to the appropriate specialist.
• Coordinate with claims adjusters, independent appraisers, and vendor partners to manage assignment pipelines and meet established service-level timelines.
• Document all file activity, reserve recommendations, and settlement decisions in the claims management system with sufficient detail to support litigation or regulatory review.
• Support less experienced team members by providing technical guidance on estimating methods, coverage interpretation, and regulatory compliance.

• Bachelor's degree in business, finance, or a related field, or equivalent work experience.
• 2 or more years of auto damage appraisal, contents valuation, or property and casualty claims experience, with demonstrated estimating responsibility.
• Active state appraiser or adjuster license, or ability to obtain licensure within the timeframe required by the hiring jurisdiction.
• Knowledge of fair-claims-practices statutes and carrier compliance obligations applicable to the line of business.
• Ability to interpret policy language and apply coverage terms to documented physical damage or loss.
• Strong written and verbal communication skills, including the ability to explain settlement decisions clearly to policyholders and repair facilities.
• Effective negotiation skills with the ability to reach agreed repair costs under time pressure.
• Proficiency with standard office productivity applications and claims documentation systems.

• I-CAR, ASE, or equivalent automotive repair certification for roles focused on auto physical damage.
• Prior experience with auto-body repair estimation, body shop operations, or an appraisal management company (AMC).
• Bilingual communication ability, particularly English and Spanish, in markets with diverse policyholder populations.
• Familiarity with subrogation evaluation processes or experience identifying fraud indicators in material damage files.

• Estimate accuracy rate, measured as the percentage of appraisals requiring no material revision after repair-facility negotiation.
• Cycle time from assignment receipt to completed estimate, benchmarked against carrier service-level agreements in days.
• Reserve adequacy ratio on closed files, reflecting how closely initial reserves matched final indemnity paid.
• Subrogation referral rate, capturing the proportion of files where recovery potential was identified and documented.
• File closure rate per period, measuring throughput against the adjuster's active assignment pipeline.
• Typical tools: estimating platforms (commonly Audatex/Audaex or CCC ONE); claims management systems (commonly Guidewire or equivalent carrier platform).

• Base Salary Range: $52,000-$80,000 annually, depending on line of business and state licensure
• Bonus: Performance-based bonus tied to file quality scores and cycle-time metrics; typically 5-10%
• Equity: Generally not offered at this level in insurance carrier environments
• Health Benefits: Medical, dental, and vision coverage; carrier-sponsored plans standard
• PTO: 15-20 days annually, plus standard federal holidays
• Common Perks: Mileage reimbursement or company vehicle for field roles; licensing fee coverage; continuing education support for license renewal

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Employment is contingent upon satisfactory completion of a background check, which may include criminal history and, where applicable, credit review consistent with the requirements of the position. All qualified applicants will be considered for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, or local law. Reasonable accommodations will be provided to qualified individuals with disabilities upon request. Candidates must be authorized to work in the United States.

The Appraiser owns the full lifecycle of each valuation project, from field diligence and financial reporting review to liquidation strategy development for at-risk companies. Leading a team of two financial analysts and a writer, the Appraiser delivers findings that protect client and stakeholder interests across complex, risk-sensitive transactions.

Key Responsibilities

• Perform field diligence for each project, including inspecting the company's inventory management process.
• Handle communications with the appraised company and the client.
• Thoroughly review the appraised company's financial reporting and research relevant industries to determine current valuation and future viability of the subject company.
• Evaluate both internal and external transaction risk and mitigate existing risk factors for the client and other stakeholders.
• Perform market analyses of at-risk and troubled industries to develop the liquidation strategy for appraised companies.
• Coordinate with members of the internal team to construct financial exhibits and written narrative that support the liquidation strategy.
• Participate in follow-up meetings with company and client contacts.

Required Qualifications

• Bachelor's degree required, with professional certificates or MBA a plus.
• 8+ years of experience in asset-based lending, trading, distressed debt, equity research, finance, business valuation, or related fields.
• Team leadership experience with the ability to manage multiple projects simultaneously under tight deadlines.
• Strong analytical, problem-solving, planning, and organizational skills.
• Excellent written and oral communication skills.
• Strong attention to detail.
• Ability to think independently.

Embedded within the RAF appraisal function, the Senior Appraiser translates legislative rules into actionable appraisal policies while analyzing, assessing, and improving both internal and external appraisal reports. Working closely with external parties and internal colleagues, the Senior Appraiser ensures loan collateral quality and regulatory compliance across a portfolio of real estate and agricultural assets.

Core Functions

• Contribute to the translation of legislative rules and regulations into appraisal policies and ensure their implementation.
• Gather documentation such as maps, plats, aerial photography, soil, and topography information necessary for the appraisal process.
• Analyse and appraise properties within official appraisal regulations and create appraisal reports.
• Accept appraisals and evaluations on behalf of RAF and analyze, assess, and improve appraisal reports of internal appraisers as necessary.
• Complete appraisal review of internal and external appraisal reports.
• Stay abreast of relevant market developments within own area of expertise and advise colleagues on the quality and marketability of client loan collateral.
• Build and maintain relationships with relevant external parties and monitor compliance with legislative and corporate rules and regulations.
• May lead, coach, and develop employees within own team.
• Understand and comply with all RAF and Rabobank anti-money laundering, compliance, and other applicable laws.

Qualifications & Experience

• Knowledge of water rights, relevant regulations such as USPAP and FIRREA, and appraisal methodology.
• Familiar with and comply with applicable laws, regulations, and internal policies and procedures.
• Knowledge of MS Office Suite and appraisal-related software.
• Skilled in reading and analyzing business periodicals, government regulations, legal descriptions, and written business correspondence.
• Skilled in customer service, practical problem-solving, and use of office equipment.
• Ability to calculate figures such as discounts, interest, and percentages.
• Ability to work in situations with limited standards.

Reporting to management, the Staff Appraiser performs residential real estate appraisals in full compliance with Federal and State laws, USPAP standards, and agency guides including FNMA, FHLMC, FHA, and USDA. Partnering with colleagues and clients to uphold eStreet's quality and service standards, the Staff Appraiser enables accurate, timely delivery of appraisal products across a broad range of residential and mixed-use property types.

Primary Duties

• Perform residential real estate appraisals compliant with Federal and State laws and conforming to USPAP standards.
• Adhere to FNMA, FHLMC, FHA, and USDA guides and handbooks for developing, reporting, and delivering appraisals.
• Maintain a thorough understanding of eStreet's quality standards for completion and delivery of appraisal reports to clients.
• Represent eStreet professionally and courteously when communicating with clients, their customers, or any party associated with an order.
• Proactively communicate status updates for all assignments and respond to calls, emails, and texts promptly and professionally.
• Collaborate effectively with other staff members to ensure the highest standards for customer service are met.
• Complete other tasks as directed by management.

Skills & Qualifications

• Bachelor's degree or higher required, with FHA approval.
• Professional designations, and prior lending or AMC experience a plus.
• Certified Residential Appraiser in good standing with licensing state(s).
• Three or more years of residential appraisal experience.
• Experience across a broad range of residential, complex, and mixed-use properties.
• Skilled in providing multiple appraisal products including hybrid and desktop appraisals.
• Expert computer skills, including appraisal reporting software and Microsoft Office.
• Strong analytical and research skills with extraordinary attention to detail.
• Excellent verbal and written communication skills.
• Ability to work independently and consistently make appropriate decisions with minimal guidance.

Sitting at the intersection of agricultural lending and real estate valuation, the Senior Appraiser completes appraisals and evaluations of loan collateral spanning real estate, improvements, fixtures, machinery, and livestock in accordance with Association procedures. Operating across farm visits, market study development, and direct customer engagement, this role ensures the Association maintains accurate, well-documented collateral valuations that support sound credit decisions.

Duties

• Complete appraisals and evaluations of loan collateral following sound appraisal principles, valuation techniques, and Association procedures, including physically driving to and visually inspecting and valuing real estate, improvements, fixtures, machinery, and livestock.
• Collect, verify, and document sales information maintained in association sales books.
• Develop and maintain accurate market, assessed value, and lease studies, including traveling to selected areas to determine the value of various types and quality of similar properties.
• Develop, maintain, and provide information required for Association appraisal reports.
• Work effectively with customers, Farm Credit employees, and outside parties, including traveling to farms or other locations to meet with customers.
• Perform all duties and maintain all standards in accordance with company policies, procedures, and internal controls.

Requirements

• Bachelor's degree in business or ag-related field, or an equivalent combination of education and experience.
• Current state appraisal certification and related continued education, or completion of Association training requirements or other qualifying training and experience.
• Knowledge of appraisal principles, techniques, and Association procedures.
• Knowledge of local and common agricultural practices, crop and livestock production, and agricultural economics.
• Ability to understand and interpret complex financial information.

A key member of the claims and appraisal team, the Personal Property Appraiser delivers replacement cost and depreciated cash value valuations of contents on personal and commercial losses through site inspections and structured appraisal reporting. Collaborating across stakeholders to coordinate communications, establish costs, and review final appraisal packages, the Personal Property Appraiser enables accurate and timely settlement outcomes for clients.

Functions

• Perform necessary work to provide replacement costs and depreciated cash value valuations of contents on personal and commercial losses.
• Perform site inspections to qualify and quantify damaged contents.
• Prepare replacement cost and depreciated cost appraisal reports.
• Coordinate communications between all stakeholders and establish costs, depreciation, and location pricing impacts.
• Review all final appraisal packages to ensure accuracy and completeness prior to formal submission and recommendation.
• Successfully participate in and complete all internal and external training.
• Perform additional assignments per manager's direction and travel as required.

Experience & Qualifications

• 2+ years of relevant experience required.
• Experience in the insurance or restoration industry considered an asset.
• Previous experience in a customer service or sales role is considered an asset.
• Proficient computer knowledge in Microsoft Office applications.
• Ability to learn various electronic and manual estimating systems.
• Strong analytical and effective communication skills.
• Must possess a valid driver's license and a reliable vehicle for company business.

Accurate liability determination and compassionate claims settlement depend on the Appraiser, who investigates claims through recorded statements, on-scene investigations, medical report review, and negotiation in accordance with business unit best practices. Based within the insurance claims organization and providing mentoring to less experienced employees, the Appraiser enables fast, fair, and consistent resolution of casualty claims for policyholders.

Accountabilities

• Investigate claims by taking recorded statements, obtaining photos, conducting on-scene investigations, reviewing medical reports, documenting claim files, and preparing investigation summaries.
• Determine liability, determine damages, and negotiate claim settlements in accordance with business unit best practices.
• Coordinate with legal counsel on claims involving litigation, arbitration, or mediation, and participate in depositions, hearings, trials, or arbitration as required.
• Deliver compassionate service that is fast, fair, and easy, and research and respond to customer communications.
• Provide guidance, mentoring, and coaching to less experienced employees.

Technical Qualifications

• Bachelor's degree preferred, with high school diploma or equivalent required.
• Minimum of 3 years of adjusting experience, with casualty adjusting experience preferred.
• Comfortable working within Microsoft Office Suite and eager to learn new technology.
• Strong customer service orientation with a desire to make a difference through compassionate service.
• Strong problem-solving skills and a creative mindset.
• Clear and professional written and verbal communication.
• Organized and able to multi-task in a fast-paced environment.
• Empathic, upbeat, and friendly self-starter able to work independently and on a team.

As the Appraiser, this role builds and refines the preferred vendor network for appraisal by leading coverage and recruiting strategies, providing valuation training and feedback to external vendors, and supporting customer teams on valuation-based challenges. The panel team relies on this work to improve operational efficiency, ensure timely information conveyance through vendor blogs, and maintain depth and quality across the national appraisal panel.

Activities

• Provide valuation training and feedback to external vendors.
• Work with the panel team on existing processes to refine and add efficiency.
• Create vendor blogs to ensure timely and relevant conveyance of information to the panel.
• Support customer teams on valuation-based challenges.
• Work extensively on coverage and recruiting strategies to add depth to the panel.
• Work on the team responsible for creating a new preferred vendor network for appraisal.

Position Requirements

• Minimum of 3 years of experience in QA, Ops, Customer Team, or other AMC roles.
• Demonstrable knowledge of appraisal concepts.
• Appraisal review and operational experience.
• National review experience and secondary market or portfolio evaluation experience preferred.
• Strong critical thinking and problem-solving skills.
• Ability to grasp new technology and computer applications quickly.
• Strong written and oral communication skills and comfort working at a fast pace.

Appraiser delivers insurance appraisal services by rechecking policy coverage, comparing proposals against damages, and advising customers on pricing guidelines while coordinating with internal and external parties on insurance matters. The work directly supports timely claims resolution and customer satisfaction within the auto insurance business unit.

Operational Focus

• Recheck the insurance policy's coverage and the accuracy and completeness of all related documents for further execution.
• Compare and check the compatibility of proposals and damages and approve the cost of damages per the insurance policy's coverage.
• Explain details regarding excess and other matters to customers to resolve disputes.
• Coordinate and work closely with internal and external parties regarding insurance matters and advise customers on the company's pricing guidelines.
• Retrieve and analyze personal KPIs for performance analysis and plan for achieving set objectives.
• Support out-of-scope requests, communicate with relevant staff regarding related matters, and generate a creative work process once a year.

Knowledge, Skills & Abilities

• Bachelor's degree in any field.
• Experience in estimating car repair prices and insurance.
• Skilled in Microsoft Office.
• Fair command of spoken and written English.
• Good communication skills.
• Ability to resolve immediate problems.
• Service-minded, enthusiastic, accountable, patient, and ready to develop.

The Junior Appraiser produces appraisal reports on properties offered as collateral, including real estate, vehicles, machinery, and Bank-owned properties, using tools such as Google Earth, GPS, and the GDS-SBC Corporate Appraisal system. Reporting to the appraisal unit and coordinating with marketing units, the Junior Appraiser supports sound credit decisions by determining collateral value for credit line packages and disposal purposes.

Key Deliverables

• Conduct actual property inspection and verification using navigation tools such as Google Earth, compass, tax mapping, GPS locator, and laser meter as the basis of valuation.
• Review vicinity maps, layouts, and floor plans to determine proper valuation and improvements.
• Prepare appraisal reports in the GDS-SBC Corporate Appraisal system for use by marketing units in credit line package preparation.
• Coordinate with clients and marketing units via email or phone to clarify items and documents as needed.
• Pre-screen assigned accounts and corresponding documents by reviewing titles, tax declarations, building plans, and vicinity maps to verify technical identification and document completeness.
• Conduct research and surveys of properties offered for sale through internet listings for comparative analysis of land value and improvements.
• Conduct RCSA testing and incident reporting regularly in compliance with Risk Management requirements and take pictures of properties during ocular inspection for documentation purposes.
• Recommend possible enhancements to existing procedures and relevant credit and appraisal policies to support process improvement initiatives.

Education & Experience

• Bachelor's degree in Civil Engineering, Business Administration, or a related field.
• Less than 1 year of experience required, with certification or professional license as a Licensed Real Estate Appraiser an advantage.
• Knowledgeable in banking, construction/engineering, and appraisal firms, as well as lending products and operations.
• Knowledge of the appraisal process, including scheduling inspections, research, and application of appraisal methods and principles.
• Technically competent, trustworthy, and results-oriented.
• Able to perform fieldwork using applications such as Google Maps and Compass.
• Willing to travel within specific areas or nationwide as needed.

Embedded within the auto claims organization, the Auto Claims Appraiser handles routine and complex material damage claims through physical inspections, photo review, total loss evaluation, and settlement negotiation in compliance with fair claims practices and regulatory requirements. Working closely with claims representatives, repair facilities, and policyholders, the Auto Claims Appraiser enables accurate, timely settlement outcomes while safeguarding against subrogation and fraud exposure.

Areas of Ownership

• Create appraisals from physical inspections and review of photos.
• Handle routine and complex material damage claims, with routine claims managed independently and complex claims managed with supervision.
• Determine subrogation or fraud potential and identify coverage issues relative to the policy written.
• Receive claim assignments, document all appropriate information, and review photos thoroughly to determine repairability or complete total loss evaluation as necessary.
• Evaluate settlement alternatives by reviewing regulatory compliance and fair claims practices, then make decisions on the best option.
• Identify subrogation or fraud potential based on physical evidence and refer to the appropriate claims representative when potential exists.
• Stay informed of changes in the collision repair industry, including statutory and regulatory changes as they relate to material damage.
• Make contact to discuss settlement when appropriate, extend an offer to the appropriate party, and document all file activity and payment information in file notes clearly outlining the basis for settlement.
• Take ownership of any issue, problem, or error that could potentially impact the policyholder or loss participant.
• Handle accurately any type of material damage claim within the limit of authority, demonstrating labor judgment skills, ability to identify total loss, and sound estimating.

Professional Experience

• Bachelor's degree or equivalent education, training, and work-related experience.
• Must obtain and maintain appropriate license and/or educational requirements.
• Minimum 2 years of estimating experience with an automated estimating system, with repair facility management experience a plus.
• Basic knowledge of claims processes, insurance law as it relates to claims, and functions of other departments such as Policy Operations and Marketing.
• Ability to recognize and identify all vehicle body parts and understand other potential property damage exposures.
• Ability to interpret and apply written coverage accurately, resolve conflicts, and empathize with customers.
• Strong negotiation skills and high degree of initiative, good judgment, and discretion.
• Proficient in Microsoft Office including Word, Excel, Outlook, and PowerPoint.
• Effective organization and time management skills with the ability to work under pressure and adhere to project deadlines.

Reporting to the assessing department, the Property Appraiser performs physical inspections of residential and miscellaneous structures to determine value, verify record card data, and support accurate assessment and tax roll preparation in accordance with Michigan statutes and appraisal standards. Partnering with property owners, title companies, real estate agents, and Board of Review processes, the Property Appraiser enables defensible assessments and transparent public communication on assessing practices.

Role Responsibilities

• Respond to inquiries from the public, title companies, real estate agents, and other parties regarding assessment issues, and explain assessment practices and procedures as requested.
• Perform physical inspections of residential and miscellaneous structures using standard methods to determine value, take photographs and measurements, verify record card data, and communicate with property owners.
• Record and compute necessary data, prepare drawings to scale, interpret property descriptions, update tax maps, and utilize computerized record-keeping software.
• Participate in reconciling compiled data, checking figures for accuracy, and preparing, adjusting, and updating assessment, special assessment, and tax rolls.
• Assist in inspecting and appraising new and remodeled buildings and new residential construction for purposes of determining true cash value and establishing new property assessments.
• Assist in preparing, maintaining, and updating property inspection cards, legal descriptions, maps, and property owner address records.
• Assist with the Board of Review and preparation of materials to defend assessments before the Michigan Tax Tribunal.
• Perform administrative and clerical tasks including receiving and directing calls and visitors, mailing notices, data entry, and maintaining correspondence, forms, records, and files.
• Review and ensure accuracy and completeness of records, forms, and data, and maintain the comprehensive departmental record system.
• Perform special assessing-related projects as assigned.

Background & Experience

• High school diploma or equivalent required, with an associate degree or equivalent specialized training in property appraisal or a related field preferred.
• Certification as a Michigan Certified Assessing Officer (MCAO) preferred.
• One or more years of experience in appraising, assessing, or a related real estate discipline.
• Knowledge of the principles and practices of appraising residential and personal property, and basic knowledge of tax assessment roll procedures, municipal operations related to assessment, and property records management.
• Skill in using standard office equipment, assessment administration software, word processing, spreadsheets, and a Geographic Information System.
• Skill in compiling and evaluating complex numerical and technical guidelines and calculating figures, evaluating conditions and values, and making determinations based on appraisal standards.
• Ability to perform visual inspections, take measurements, and determine property value.
• Ability to communicate effectively orally and in writing and make presentations in public forums.
• Ability to exercise diplomacy, work effectively under stress, assess situations critically, and work within deadlines and shifting priorities.
• State of Michigan Vehicle Operator's License with a satisfactory driving record required.

The Valuation Appraiser annually re-assesses residential, condominium, and commercial properties using sales transactions and the Income Approach within the CAMA and APEX systems, in compliance with DOR guidelines and Florida Statutes. The Brevard County Property Appraiser's Office relies on this work to maintain accurate tax rolls, support taxpayer inquiries during TRIM and VAB periods, and deliver defensible valuations for a diverse real estate portfolio.

Job Functions

• Annually re-assess residential, condominium, or commercial properties in designated market areas through sales transactions or the Income Approach, in compliance with DOR guidelines and measured by sales ratio analysis of the tax roll.
• Communicate with property owners concerning methods and procedures used in determining value, and answer questions and investigate complaints from owners, outside agency representatives, and other employees.
• Enter completed work data into the CAMA system, upload photos into the common photo log, use APEX software to create or edit sketches from measurements taken, and make valuation adjustments based on field inspection decisions.
• Define problems, collect data, and establish facts regarding unusual value cases, then independently draw valid conclusions and recommend actions consistent with office policies based on Florida Statutes and FDOR guidelines.
• Review and re-assess assigned parcels, splits or combinations, new subdivisions or condos, tax estimates, and additions to the tax roll in compliance with applicable state statutes, rules, and guidelines, using available imaging technology to verify or update relevant data.
• Assist with field audits, verify property descriptions, and assist in damage assessment in coordination with federal and state emergency management offices during local disasters, which may require after-hours or weekend duty.
• Answer phone calls and assist walk-in taxpayer inquiries daily, with increased responsiveness during TRIM and VAB periods.
• Review and analyze legal documents describing new condominiums or amendments to established complexes if assigned a condo market area, and enter new accounts with complete unit and complex information.
• Assist other staff throughout the organization regarding residential, condo, or commercial property valuation.

Minimum Qualifications

• Associate's degree or minimum 60 college credit hours from an accredited institution, or minimum 2 years of related appraisal or assessment experience.
• Certified Florida Evaluator (CFE) designation required, or ability to obtain within 2 years, with State-Certified Appraisal License preferred.
• Valid Florida driver's license required.
• Knowledge of or ability to learn the CAMA system to organize, plan, and prepare daily work activities necessary to mass update values.
• Geographical competency of the real estate market in the Brevard County area.
• Proficiency in Microsoft Office applications, including Word, Excel, and Outlook.
• Demonstrate sound judgment and ability to solve potential value problems during TRIM and VAB periods with reasonable independence.
• Can prepare and represent BCPAO's supporting data at VAB petition hearings.

Reporting to the Commercial Lending and Credit Department, the Bank Real Estate Appraiser manages the ordering, review, and archiving of commercial real estate appraisal reports serving as loan collateral, while preparing internal valuation reports and monitoring vendor performance for USPAP and Bank Policy compliance. Partnering with commercial lending personnel and approved appraisal vendors, the Bank Real Estate Appraiser ensures the quality and regulatory integrity of collateral valuations that underpin the Bank's real estate lending portfolio.

What You'll Do

• Manage the ordering and review of all real estate appraisal reports serving as collateral for the Bank's real estate lending business to determine credibility and compliance, and prepare, deliver, and archive written review memoranda presenting results of each appraisal review.
• Obtain fee quotes and turnaround times for commercial appraisal reports from vendors on the Bank's Approved Appraiser list and select the appropriate vendor for each assignment, managing the pipeline and workflow to maximize department production and efficiency.
• Obtain and review commercial real estate appraisals prepared for other financial institutions to determine regulatory compliance, Bank Policy compliance, and acceptability of use for the subject transaction.
• Evaluate and monitor the ongoing performance of appraisers and evaluators, ensuring consistent quality, adherence to USPAP, delivery dates, licensing, liability insurance requirements, and all other Bank Vendor Management program requirements.
• Prepare written internal valuation reports of income-producing real estate assets serving as collateral for the Bank's real estate lending business.
• Review existing narrative real estate appraisal reports to determine validity of use for subsequent lending, asset valuation, or other underwriting purposes.
• Coordinate follow-up on commercial construction loan transactions to ensure final inspections are completed and construction completion is documented.
• Interface directly with Commercial Lending and Credit Department personnel regarding commercial real estate asset valuation issues, property and market condition analysis, and other lending consultation.
• Monitor real estate market conditions and investment environments to provide current analysis and consultation to Bank personnel, and educate Bank personnel regarding asset valuations and Appraisal Policy.
• Comply with all banking-related laws, regulations, and policies applicable to the role, and protect all customer information and institution assets in compliance with privacy and acceptable use policies.

Education & Experience

• Bachelor's degree from a four-year college or university.
• State Certified General Real Estate Appraiser license required.
• Knowledge of geographic real estate markets and valuation.
• Lending, credit, and mortgage knowledge desirable.
• Proficiency with Microsoft Office suite of products.
• Excellent written and verbal communication skills.
• Proven problem-solving ability.
• Ability to perform detail-oriented work with a high degree of accuracy.
• Proven ability to handle multiple priorities and tasks.

Accurate, defensible commercial real estate valuations depend on the Senior Appraiser, who researches and analyzes competitive properties, absorption rates, and highest and best use studies to produce USPAP-compliant appraisal reports across assignments including mortgage financing, estate valuation, and tax appeals. Serving within the appraisal organization and mentoring trainees while engaging in client development, the Senior Appraiser advances the firm's market reputation and database of specialized real estate knowledge.

Day-to-Day Responsibilities

• Identify value to be estimated by studying appraisal requests, problems to be solved, and project scope, such as mortgage financing, insurance replacement cost calculation, estate valuation, tax appeals, equitable distribution, corporate relocation, or sale.
• Determine the valuation method by selecting the appropriate approach and techniques, including cost, direct sales comparison, and income capitalization, and identifying relevant property characteristics and attributes.
• Research and analyze property information by collecting, verifying, and analyzing data on competitive properties, sales and listings, vacancies, absorption rates, demand studies, economic and environmental characteristics, restrictions, income and expense data, ownership history, and related analyses including land utilization, feasibility, and highest and best use studies.
• Prepare appraisal reports by describing physical and economic property characteristics, appraisal procedures used, information analyzed, extraordinary assumptions, and hypothetical and limiting conditions, with supportive reasoning.
• Maintain organizational reputation by conforming to USPAP standards and keeping information confidential.
• Contribute to overall organizational goals by adding to the database, building a library, specializing in niche real estate markets, mentoring trainees, and engaging in client development.
• Update job knowledge by tracking current real estate values, land use restrictions, and property development potential, and by participating in educational opportunities and professional organizations.

Qualifications & Experience

• Bachelor's degree required, with master's degree preferred.
• General State Certification/License required, with MAI designation preferred.
• Minimum of 5 years of commercial appraisal experience, with 3 years of commercial appraisal review or institutional review experience a plus.
• Complete understanding of approaches to value of real estate assets.
• Average knowledge of financial real estate terms and principles.
• Must be proficient in Argus, MS Word, and MS Excel.
• Advanced analytical and quantitative skills.
• Ability to comprehend, analyze, and interpret complex documents and solve problems involving several options.
• Excellent written and verbal communication and organizational skills.
• Ability to provide efficient, timely, reliable, and courteous service to customers and effectively present information.

As the Auto Image Desk Appraiser, this role reviews and produces physical damage appraisals through the Auda-Target Photo Image Capture system, negotiating with preferred and third-party repair facilities on repair methods, pricing, and subrogation estimates across all regions within Canada. The collision repair team relies on this work to control repair expenditures, process total loss claims efficiently, and maintain technical expertise in estimating software and vehicle evaluation standards.

Scope of Work

• Review physical damage appraisals provided by the preferred vendor program and complete appraisals, negotiating with repair facilities on proper repair methods and pricing.
• Control expenditures to repair facilities by following up promptly on further damage reported, and complete remote appraisals negotiating with third-party facilities outside the preferred vendor program.
• Review and produce estimates under the Photo Image Capture in the Auda-Target system for non-preferred shops, and review subrogation estimates for proper repair methods and pricing.
• Process total loss claims uploaded by preferred repair facilities in an expedited manner and complete vehicle re-inspections uploaded by preferred repair facilities as audit quality control.
• Complete Autosource information documents for total loss files and stolen vehicles when requested, and provide technical expertise to adjusting staff when requested.
• Cover all regions within Canada, becoming familiar with various regional differences, and communicate professionally in written and verbal form.
• Perform desk audits to assure compliance within the CERF program, handle complex day-to-day physical damage issues, and run reports on trends in a timely manner.
• Handle towing issues, assist with total loss valuation assessments when required, participate in team and performance meetings, and provide suggestions for workflow improvement.
• Maintain and update job skills to sustain a high level of expertise in automobile repair techniques, estimating software and hardware, and vehicle evaluations.

Skills & Qualifications

• College or technical degree an asset.
• Certified Auto-Body Repairer License (Class A or B, 310B, or Red Seal) preferred, with Appraiser's Certification of Qualification from the GAA an asset.
• Completion of I-CAR and/or technical courses an asset, with continued education required.
• Minimum 2 years of direct experience appraising or estimating automobile physical damage, or working within an imaging desk or equivalent role.
• Good working knowledge of the collision industry and technical knowledge of auto body collision and mechanical repairs.
• Heavy equipment knowledge an added asset.
• Proficiency with Audatex estimating software required.
• Must be proficient with Windows operating system and Microsoft Office including Excel.
• Great communication skills.
• Must be able to work with minimal supervision.

Material Damage Appraiser produces accurate repair cost estimates and total-loss determinations by inspecting vehicles at the site, reviewing Independent Appraiser assignments, and negotiating with repair shops in compliance with state and federal insurance regulations. Working closely with body shops, vehicle owners, insureds, claim adjusters, and the Appraisal Unit, the Material Damage Appraiser enables timely, quality claims resolution and continuous improvement in appraisal operations.

Work Activities

• Ensure effective appraisal process by planning routes and traveling to sites on time, inspecting vehicles using standard guidelines, estimating parts and labor to repair damage, reviewing repair-cost estimates with repair shops to secure agreement, preparing forms to indicate repair-cost estimates and recommendations, determining salvage value on total-loss vehicles, and accurately documenting and communicating information with the Appraisal Unit and Claims Department.
• Establish proof of loss by collecting submitted documentation and escalating questionable claims for additional investigation.
• Maintain quality service by contacting customers and scheduling appointments promptly, inspecting vehicles within established timeframes, providing accurate repair cost and timeline information, explaining the appraisal process, responding to inquiries, and sustaining good relationships with body repair shops.
• Assign, review, and oversee GAINSCO Independent Appraiser assignments, direct the quality of those assignments, and manage the rental portion of Independent Appraiser assignments once vehicles go to the shop for repairs.
• Promote continuous improvement by keeping abreast of current vehicle repair techniques and complying with continuing education requirements for licensing and certification.
• Ensure legal compliance by following company guidelines, policies, and state and federal insurance regulations.
• Maintain daily interaction with body shops, vehicle owners, insureds, claim adjusters, Independent Appraisers, and Appraisal Unit staff, and review Independent Adjuster assignments and Desk Review estimates for remote areas as needed.

Requirements

• Bachelor's degree or equivalent work experience.
• Valid Appraiser or Adjuster License.
• ASE/ICAR certification preferred.
• Minimum 2 to 3 years of experience as an auto damage appraiser.
• Previous claims or customer service experience in an insurance environment preferred.
• Body shop experience a plus.
• Ability to gather and analyze information to evaluate results and choose the best solution to problems.
• Bilingual in English and Spanish preferred.
• Excellent verbal and written communication skills with effective negotiating skills.
• Ability to manage your own time while prioritizing multiple tasks and remain calm when dealing with difficult customers.
• Valid driver's license required.

The Appraiser produces comprehensive claims documentation and settlement outcomes by investigating, evaluating, and negotiating low- to moderate-level commercial auto and general liability claims from inception to closure, including Garage Keeper and property damage matters. Leading interactions with clients, claimants, brokers, attorneys, and vendor services, the Appraiser enables Athens Administrators to deliver superior customer service and maintain regulatory compliance across its third-party claims administration programs.

Performance Expectations

• Investigate, evaluate, and determine settlement value or denial of liability for low- to moderate-level claims.
• Establish and regularly review appropriate reserves for indemnity and expense within prescribed settlement authority, and make recommendations for claims outside authority level.
• Prepare comprehensive reports as required and identify and communicate specific claim trends and account or policy issues to management.
• Manage the litigation process through retention of counsel when necessary, adhering to litigation guidelines including budget, bill review, and payment.
• Document and manage claims from inception to closure, including recording statements, updating diaries, and writing reports.
• Negotiate settlement of claims within individual authority level and create, maintain, and update action plans for each assigned claim.
• Coordinate and work with vendor services such as appraisers, independent adjusting firms, contractors, emergency repair, cleaning services, and various replacement services.
• Adjust Garage Keeper commercial automobile physical damage, property damage, and injury claims and facilitate resolution of liability claims between claimants, clients, brokers, and attorneys.
• Exchange information with clients, claimants, insurance brokers, inspectors, producers, and account managers, and provide superior customer service and support to insureds and claimants.
• Conduct quarterly claim reviews with the client, attend educational seminars for professional development, and maintain required licenses.

Experience & Qualifications

• High school diploma required, with college degree preferred.
• State adjuster's license required, specifically NY, within 180 days, with FL license required if located in Florida.
• Minimum 5 to 7 years of commercial auto and general liability claims experience, with Garage Keepers and General Liability experience preferred.
• Knowledge of tort law, civil procedure, contract law, and property and casualty insurance policies.
• Computer literate with experience in MS Word, Excel, Outlook, database management, and ability to learn additional programs.
• Strong negotiation skills with demonstrated accuracy and thoroughness in work product.
• Well-developed verbal and written communication skills.
• Strong attention to detail, and ability to research and resolve problems.
• Excellent organizational skills with the ability to manage multiple tasks simultaneously and work independently and in a group setting.
• Ability to operate standard office equipment, work in a paperless environment, type quickly and accurately, and sit for prolonged periods, with infrequent lifting of up to 20 lbs.