BASIC FUNCTION: Within the scope of delegated authority, conducts on-site appraisals and valuations of acquired properties and loan collateral (both real and chattel) including site inspections for environmental risks. Provides Farm Credit Mid-Americas’ Financial Services Officers and management adequate information to aid in their decision-making process. Develops and maintains comparable sales information.
Position location may be in the Knoxville, Maryville or Athens, TN area.
TRAVEL REQUIREMENTS: 50%
MAJOR RESPONSIBILITIES: (in order of importance)
Conducts on-site appraisals and valuations of loan collateral and acquired properties. Includes defining highest and best use, documenting area and property characteristics, identifying environmental risks, applying accepted valuation methods, supporting conclusions with written narrative, and documenting results in written appraisal reports.
Collects, investigate, document and maintain comparable sales information. Includes searching public records, verifying sale conditions, making property inspections, verifying financing terms, abstracting sale price, platting, and documenting results.
Analyzes comparable sales information to support land value trends, adjustment factors, depreciation rates, capitalization rates, and valuation methods. Communicates this information as required by association procedures.
Coordinates activities through the immediate supervisor to prioritize appraisal requests.
Conducts appraisal evaluation reviews and provides training as necessary in any area of deficiencies as noted.
Evaluates the impact of environmental risks. Includes, but is not limited to performing site inspections, owner interviews, and documenting findings in written appraisal reports.
Evaluates the impact of existing and proposed government programs regarding farming, taxes, zoning, and the environment on property valuations.
Represents and communicates the mission and values of Farm Credit Mid-America and complies with its conduct policy, security policy and confidentiality expectations.
Performs other related duties as assigned.
KNOWLEDGE, SKILLS AND ABILITIES:
Knowledge of: Farm programs, rural development, economics, laws and their implication on values, agricultural/rural enterprise analysis, production techniques, soils, cost of agricultural improvements, legal descriptions, zoning, environmental risks and other limitations of property rights. Real estate sales analysis techniques, including matched pairs, depreciation and income capitalization analysis. Appraisal valuation methods including sales comparisons, cost and income capitalization approaches.
Skills in: Communicating effectively in person, by phone, in writing; organizing work assignments, scheduling and managing time; organizing and analyzing information; drawing conclusions and making recommendations; using a computer and software programs; identifying factors that cause changes in the real estate market.
Ability to: Work independently with minimal supervision, use sound judgment, be a self-starter. Develop analytical processes to solve appraisal problems. Research the market to locate reliable information to support specialized complex appraisals. Provide appraisal training when needed.
MENTAL AND PHYSICAL REQUIREMENTS:
This job requires the incumbent to have the ability to…
Engage in telephone and face-to-face conversation to serve customers and give and receive information from customers, staff, vendors, outside consultants and the public.
Use computer. This involves reading the screen and keying/typing information.
Speak and make presentations to individuals or groups on technical subjects related to job.
Travel via auto or commercial transportation to carry out essential responsibilities of the job.
Successfully interact with and represent the organization to customers, staff, officers, board members, vendors, and/or the public at all levels.
Provide sound technical advice to customers and other staff in the subject field(s) related to this position.
Understand and explain various subject matter and consulting concepts, programs, terminology, and methods.
Reason, judge, compare, calculate, evaluate, decide, and critique such information as written material, numerical data, responses to customer needs, and/or other related work activities.
Requirements of the job include the ability to do the work, with or without reasonable accommodations. It is the Association's policy to make reasonable accommodations for individuals with disabilities. Leadership retains the right to add, subtract or change duties of the position at any time.
Here is what our company offers:
15 Vacation days, 15 Sick days, 11 Holidays
Award winning 401(k) with outstanding employer match
Medical, Dental, Vision, Short-term, Long-term, Life and other insurances
Tuition Assistance for employees and dependents
Farm Credit Mid-America is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability or any other category protected by law.
Bachelor's Degree in Agriculture, Business or related field. State license strongly preferred. Work-related or education-related agricultural, rural or agribusiness experience is required. Demonstrated satisfactory experience in sales research, documentation and analysis. Demonstrated satisfactory experience in residential and typical part time farm collateral evaluations. Appraisal license preferred.
Internal Number: 14466
About Farm Credit Mid-America
Farm Credit Mid-America is an agricultural lending cooperative owned and controlled by our customers. We are one of the largest associations within the Farm Credit System. With more than 1,500 employees, we serve nearly 90,000 customers throughout Indiana, Ohio, Kentucky and Tennessee. Since all our customers are members, they have a voice in how the organization is run. Our customers help shape who we are, define the course we take moving forward and decide who will be on our Board of Directors to guide us there.