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About the Role

Sunflower Bank, N.A. is seeking a full-time Residential Mortgage Appraisal Review Manager to lead and actively participate in the mortgage appraisal review function, serving as a backup for C&I appraisal review and environmental due diligence. This working leader position provides management oversight for the Appraisal Review Team, Appraisal Desk operations, and Appraiser Panel Management program, while personally conducting residential appraisal reviews. The role ensures timely, compliant, and high-quality appraisal review services to support the Mortgage Division's goals.

Responsibilities

Lead, develop, coach, and manage the Appraisal Desk Lead, Appraisal Desk Specialist, and Appraisal Specialists/Reviewers.
Establish performance standards, service-level expectations, and quality metrics for the appraisal review team.
Conduct performance evaluations, employee development planning, and ongoing coaching.
Promote a culture of accountability, collaboration, service excellence, and continuous improvement.
Serve as a subject matter expert for appraisal-related issues across the Mortgage Division.
Participate in staffing, succession planning, and team development initiatives.
Perform complex residential appraisal reviews for compliance, quality, credibility, and adherence to industry standards.
Review appraisals for conformity with USPAP requirements, Fannie Mae and Freddie Mac guidelines, FHA, VA, and USDA requirements, Federal Interagency Appraisal and Evaluation Guidelines, and Internal credit and valuation policies.
Assist with resolving valuation disputes, reconsiderations of value, and escalated appraisal concerns.
Monitor appraisal review workflows to ensure timely completion and support on-time loan closings.
Identify trends, risks, and opportunities for process improvement within appraisal operations.
Provide guidance on complex valuation scenarios and exception requests.
Oversee daily operations of the Appraisal Desk.
Ensure appraisal orders are managed efficiently from assignment through final review.
Monitor pipeline volumes, turnaround times, service levels, and workload balancing.
Partner with origination and operations teams to proactively resolve appraisal-related bottlenecks.
Drive process enhancements that improve speed, quality, and borrower experience.
Support effective communication among lenders, processors, underwriters, operations staff, and appraisal vendors.
Oversee the institution's approved appraiser panel and vendor management processes.
Review and approve applications from prospective appraisers seeking inclusion on the approved panel.
Conduct due diligence reviews including licensing verification, qualifications assessment, insurance review, and performance analysis.
Monitor appraiser performance metrics, including turnaround times, report quality, revision rates, geographic competency, regulatory compliance, and customer service responsiveness.
Maintain scorecards and performance reporting for approved panel members.
Administer corrective action programs when performance or compliance concerns are identified.
Recommend probation, suspension, removal, or reinstatement of appraisers when appropriate.
Ensure appraiser independence requirements are maintained at all times.
Collaborate closely with Mortgage Origination leadership to balance valuation risk management with production objectives.
Partner with Mortgage Operations leadership to improve loan cycle times and appraisal-related efficiencies.
Support organizational goals related to loan production growth, operational excellence, borrower satisfaction, on-time loan closings, and regulatory compliance.
Participate in cross-functional projects involving appraisal technology, workflow enhancements, and process automation.
Provide appraisal-related training and guidance to production and operations teams.
Maintain appraisal review practices that meet regulatory and investor requirements.
Monitor regulatory, agency, and industry developments affecting valuation and appraisal practices.
Assist with internal audits, regulatory examinations, and quality control reviews.
Develop and maintain appraisal-related policies, procedures, and controls.
Ensure adherence to appraisal independence standards and organizational risk management objectives.

Requirements

Active State Certified Residential Appraiser or State Certified General Appraiser license.
Bachelor's degree in Business, Finance, Real Estate, Economics, or related field, or equivalent combination of education and experience.
Minimum 5 years of residential appraisal experience.
Minimum 3 years of appraisal review experience.
Minimum 2 years of leadership or supervisory experience.
Strong working knowledge of USPAP, FNMA and FHLMC appraisal requirements, FHA, VA, and USDA appraisal guidelines, Interagency Appraisal and Evaluation Guidelines, Mortgage lending operations and underwriting processes.
Experience managing appraisal vendors and appraiser panels.
Ability to perform complex appraisal reviews and valuation analysis.
Strong written and verbal communication skills.
Certified General Appraiser designation.
Experience within a bank, credit union, or mortgage lender environment.
Experience leading appraisal review teams and appraisal desk operations.
Professional valuation designations or advanced appraisal certifications.
Experience with appraisal management technology platforms and valuation review tools.
Experience with commercial real estate appraisal and environmental due diligence.
Strong residential valuation and appraisal review expertise.
Working knowledge of mortgage production, processing, underwriting, and closing operations.
Ability to balance risk management objectives with production and service expectations.
Strong leadership, coaching, and team-building skills.
Excellent analytical and decision-making abilities.
Ability to manage multiple priorities in a fast-paced environment.
Strong vendor management and relationship management skills.
Effective conflict resolution and negotiation skills.
Advanced problem-solving capabilities.
Commitment to delivering exceptional internal and external customer experiences.

Skills

USPAP
FNMA and FHLMC appraisal requirements
FHA, VA, and USDA appraisal guidelines
Interagency Appraisal and Evaluation Guidelines
Mortgage lending operations
Underwriting processes
Appraisal vendor management
Appraiser panel management
Valuation analysis
Communication skills
Appraisal management technology
Valuation review tools
Commercial real estate appraisal
Environmental due diligence
Leadership
Coaching
Team-building
Analytical skills
Decision-making
Vendor management
Relationship management
Conflict resolution
Negotiation
Problem-solving

Location

Remote

Work Type

Full-time

Experience Level

Minimum 5 years of residential appraisal experience
Minimum 3 years of appraisal review experience
Minimum 2 years of leadership or supervisory experience

Education Level

Bachelor's degree in Business, Finance, Real Estate, Economics, or related field, or equivalent combination of education and experience.

Salary/Compensations

Pay is dependent on knowledge, skills, abilities, experience, and location.

Benefits

401(k) Plan with 6% Match
Health/Dental/Vision Insurance
Company-paid Life Insurance
Tuition Reimbursement
Fitness Reimbursement
Paid Time Off
Volunteer Leave
Paid Holidays

About the Company

At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com.

Equal Opportunity

EOE/AA: Minorities/Females/Disabled/Vets
Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.