Mortgage Valuation Officer Consumer Banking (225-925)

As a Mortgage Valuation Officer in Consumer Banking, you will play a crucial role in our bank's lending process by assessing the value of real estate properties against which loans are secured. You will employ your expertise in property valuation to provide accurate and reliable valuations that underpin our mortgage lending decisions. By analyzing a range of property types, market conditions, and using your judgment, you will help minimize risks while ensuring compliance with regulatory and internal standards. As part of a dynamic team within the consumer banking division, your recommendations and insights will directly impact loan approval processes, supporting the bank’s objectives and helping customers secure financing for their property goals.

Responsibilities

• Conduct thorough and accurate valuations of residential and commercial properties.
• Analyze property market trends and data to support informed valuation decisions.
• Prepare detailed valuation reports for review by credit officers and management.
• Collaborate with loan officers to verify client's information and supporting documents.
• Ensure all valuation activities comply with relevant regulations and standards.
• Maintain up-to-date knowledge of property market developments and insights.
• Liaise with external surveyors and property experts as necessary for complex valuations.
• Monitor risk factors and advise on mitigating strategies in property lending.
• Conduct site visits to assess property conditions and factors impacting value.
• Provide expert advice on property valuation to guide loan decision processes.
• Support policy development by providing feedback on valuation guidelines.
• Participate in training programs to enhance valuation skills and banking acumen.

Requirements

• Bachelor’s degree in Real Estate, Finance, or a related field is required.
• Proven experience in property valuation, preferably in a banking environment.
• Strong analytical skills and proficiency in data interpretation and reporting.
• Excellent communication skills to articulate valuation findings and recommendations.
• Knowledge of real estate market trends and regulatory requirements is essential.
• Ability to work independently and collaboratively within a team setting.
• Professional valuation qualifications or certifications are highly desirable.