Job Description

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 12 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.

SCHEDULE: Full Time, Hybrid 
TRAVEL REQUIRED:  50% - 75% 

COMPENSATION: $58,795.00 to $122,838.00 base salary plus potential for variable compensation. Base pay is determined by your skills, qualifications, experience, and location. Farm Credit Mid-America/Rural 1st may compensate outside of the salary range for bona fide reasons not related to membership in a protected class.

About Our Opportunity

The Appraiser / Collateral Analyst conducts appraisals and/or valuations of association loan collateral and acquired properties, including chattel appraisals and site inspections for environmental risks. Provides adequate and accurate collateral and valuation information to aid the association in the decision-making process. Develops and maintains comparable sales information. Proactively embraces opportunities to share ideas and fosters an environment that exhibits our association's purpose and values.

How You Will Spend Your Time

• Conducts appraisals/valuations of loan collateral and acquired properties in a timely, high quality and credible manner. 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 appraisal/valuation reports.
• Collects, investigates, documents and maintains comparable sales data which includes searching public records, verifying sale conditions and financing terms, making property inspections, abstracting sale price, platting legal descriptions, and documenting results.
• Conducts analysis of market trends, comparable sales, adjustment factors, depreciation rates, capitalization rates, and valuation methods and communicates results effectively.
• Actively participates and collaborates with association team members, customers, industry professionals and external stakeholders to cultivate relationships.
• Proactively embraces opportunities to share ideas and fosters an environment that exhibits our association’s purpose and values.
• Consults with association team members, customers and external stakeholders on valuation challenges, market trends , and environmental risk management.
• Collaborates effectively with team members to provide seamless customer experience by providing backup for team members, maintaining visible presence at association offices, and industry events.
• Other duties as assigned including but not limited to conducting: appraisal/evaluations outside local area, appraisal/valuation reviews, chattel valuations, and fee service assignments.

Minimum Education & Experience

• Bachelor's Degree is preferred in Agriculture, Business, Economics or related field. Associate's Degree in Agriculture, Business or related field required,
• Desired experience as associate appraiser (ie. state registered appraiser trainee). 
• Demonstrated satisfactory experience in lending, real estate appraisals/review, real estate sales or related field. 
• Associate Appraisal License or Licensed/Certified Residential or Certified General state license with at least two years of appraisal experience preferred. 

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family. Here is a highlight of our Total Rewards and Benefits .

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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