At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. As one of the oldest and largest financial services firms in the United States with a history dating back to 1828, we’re committed to providing solutions and expertise that support our customers, clients, colleagues, and communities in what’s next on their own unique journey. 

Whether you’re considering banking with us or looking to work with us, you’ll find a customer-centric culture and a supportive, collaborative workforce at Citizens.

You’re made ready and so are we. #MadeReady

Industry: Banking
Company Size: 10,001+ employees

Citizens

Savvy Admin PROD

**Description**

**Appraisal Analyst II – Alternative Collateral Products**

**Position Overview**

The Appraisal Analyst II – The Alternative Collateral Product Reviewer is a key contributor within the Collateral Risk Management (CRM) team and is responsible for reviewing and rendering decisions on **non‑traditional and alternative valuation products ** used in residential mortgage lending. This role supports safe and sound lending by evaluating the adequacy, appropriateness, and risk implications of alternative collateral documentation in accordance with internal policy and investor guidelines.

The analyst applies independent judgment within delegated authority and partners closely with underwriting, pipeline management, and business partners to ensure collateral decisions are well‑supported, consistently applied, and aligned with risk appetite.

**Primary Responsibilities**

- Perform moderately complex reviews of alternative collateral products, which may include but are not limited to:

- Property Data Reports (PDR)

- Property Data Collect products (PDC)

- Hybrid appraisals

- Desktop appraisals

- Evaluations and other policy‑approved alternative valuations

- Review alternative collateral documentation for compliance with:

- Bank collateral policy

- Fannie Mae and Freddie Mac guidelines

- Applicable regulatory and supervisory guidance

- Assess whether the selected collateral product is appropriate for the transaction type, risk profile, and loan purpose.

- Analyze data integrity, property characteristics, market context, and valuation conclusions to determine whether collateral risk is adequately addressed.

- Identify missing, conflicting, or unsupported information and place clear conditions or revision requests as required.

- Render collateral decisions within delegated authority:

- Accept

- Condition

- Escalate to higher‑level review when risk, complexity, or policy exceptions exist

- Apply risk‑based judgment when alternative collateral results conflict with market data, borrower information, or other file components.

- Document clear, defensible review notes to support underwriting decisions, audit review, and investor inquiries.

- Communicate professionally with internal partners, vendors, and collateral operations teams to resolve issues efficiently.

- Escalate quality concerns, policy gaps, or emerging risk trends to management.

- Meet or exceed established productivity, quality, and turnaround time expectations.

- Adhere to all bank policies, regulatory requirements, and internal procedures.

- Perform other duties as assigned by management.

**Qualifications**

**Required**

- Minimum of 2–4 years of experience in:

- Collateral risk review

- Real Estate Professional

- Mortgage underwriting with collateral decision authority

- Valuation review or appraisal operations

- Demonstrated knowledge of:

- Alternative collateral products and their appropriate use

- Fannie Mae and Freddie Mac collateral eligibility requirements

- Bank collateral policy and risk‑based decisioning

- Strong analytical and critical‑thinking skills with the ability to assess reasonableness and risk without reliance on a traditional appraisal.

- Ability to clearly document decisions and communicate complex collateral issues.

- Proven ability to manage an individual pipeline in a production environment.

**Preferred**

- Prior experience reviewing alternative valuation products

- Familiarity with automated valuation tools, risk scoring models, and property data analytics

- Experience supporting audits, QC reviews, or investor inquiries related to alternative collateral

**Skills & Competencies**

- Risk‑focused, independent decision‑making

- Strong policy interpretation and application skills

- High attention to detail and consistency

- Professional, solution‑oriented communication style

- Ability to manage exceptions and ambiguity

- Adaptability in a changing collateral and regulatory landscape

- Commitment to quality, accountability, and continuous improvement

**Working Conditions**

- REMOTE

- Standard business hours; flexibility may be required during peak volumes or pilot initiatives

~~Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.~~

**Equal Employment Opportunity**

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

**Why Work for Us**

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Posting End Date: 04/27/2026

Appraisal Analyst II

Inside Higher Ed is the leading source for the latest news, analysis, and services for the entire higher education community. We deliver independent news and analysis that informs the world about higher education, while providing essential tools and services to help organizations and professionals be more effective.

Go to www.insidehighered.com/newsletter/signup and sign up for our free Daily News Update email.

Higher Education News - www.insidehighered.com

Jobs & Careers - careers.insidehighered.com

Industry: Online Audio and Video Media
Company Size: 51-200 employees

Inside Higher Ed

Brown University

To view the full job posting and apply for this position, go to: https://brown.wd5.myworkdayjobs.com/en-US/staff-careers-brown/job/University-Library/Senior-Library-Expert---Cataloging-and-Discovery-Cataloging_REQ207153

**Job Description**

**Senior Library Expert - Cataloging and Discovery - Cataloging**

**Position Classification: **Hybrid Eligible

**Job Summary**

Creates, contributes, and provides timely access to metadata for library resources to enable and enhance discovery and access. Performs complex cataloging functions in all formats and languages related to the creation and maintenance of bibliographic, holdings, and authority records in the LSP (Library Services Platform) and OCLC.

**Typical Duties And Responsibilities**

- Searches bibliographic information resources to identify and describe the content of library materials; researches additional online and offline information resources as needed

- Creates full-level original cataloging records for general and special collections, including archival materials, in all languages, under general supervision and following established guidelines

- Edits complex copy cataloging records of library holding in print and non-print formats (e.g., monographs, serials, audio-visual, electronic resources, PDFs, special collections materials, mixed media) in addition to: sound recordings, scores, hymnals, etc. as directed

- Creates original authority records under NACO and SACO guidelines

- Utilizes and understands current cataloging rules, tools, and standards, Machine Readable Cataloging (MARC 21), Resource Description and Access (RDA), Library of Congress Subject Headings (LCSH) and other LC classification schema

- Monitors trends in cataloging practice and maintains active knowledge of the latest changes and updates to all cataloging standards through subscription to listservs, review of professional literature, online webinars, colloquia, classes, seminars, attendance at conferences

- Describes and catalogs manuscript collection materials if directed

- Identifies, investigates and resolves complex problems related to monographs, serials, and sets

- Assists subject specialists and library users regarding access to library materials

- Participates in ongoing internal database maintenance and authority control

- Creates and collaborates in the writing of documentation for the Cataloging Department utilizing knowledge of internal and external Library workflows and demand

- Participates in collaborative projects within Technical Services and across Library departments

- Creates and revises item, check-in and holding records and resolves relevant issues

- Trains, coordinates, and directs the work of student assistants

- Monitors Cataloging Department email account: maintains correspondence, responds to patron requests and questions, and/or forwards correspondence to appropriate staff as necessary

- Trains and provides assistance to co-workers

- Performs related duties as required

**Minimum Qualifications**

- Bachelor's degree with specific subject area expertise as required or equivalent level of education and/or experience (e.g., Associate's Degree plus 2 years of experience, or 4 years of experience)

- 2 or more years of cataloging experience required

- Effective written and verbal communication skills

- Ability to interact favorably with co-workers and library users

- Demonstrated knowledge of cataloging standards

- Strong computer skills, ability to use computer software packages (i.e. Microsoft Office Suite)

- Capacity to learn new technologies and systems

- Excellent problem-solving and organizational skills

- Knowledge of one or more foreign languages preferred

- Ability to take a collaborative approach to decision-making and problem-solving

- Ability to work in a team environment and to actively participate in team-based decision making

**Library Union position, which must be posted internally for 5 work days prior to posting for external candidate**

**Best Consideration date: April 14, 2026.**

**Candidates please note: all offers of employment are contingent upon a criminal background check and education verification satisfactory to Brown.**

**Benefits Of Working At Brown**

Information on the Benefits of Working at Brown can be found here.

**Recruiting Start Date**

2026-03-05

**Job Posting Title**

Senior Library Expert - Cataloging and Discovery-Cataloging

**Department**

University Library

**Grade**

Library Grades

**Worker Type**

Employee

**Worker Sub-Type**

Regular

**Time Type**

Full time

**Scheduled Weekly Hours**

37.5

**Position Work Location:**

Hybrid

**Submission Guidelines**

Please note that in order to be considered an applicant for any staff position at Brown University you must submit an application form for each position for which you believe you are qualified. Applications are not kept on file for future positions. Please include a cover letter and resume with each position application.

This position is not eligible for visa sponsorship.

**Still Have Questions?**

If you have any questions you may contact employment@brown.edu.

**Brown is an E-Verify Employer.**

**EEO Statement**

Brown University provides equal opportunity and prohibits discrimination, harassment and retaliation based upon a person's race, color, religion, sex, age, national or ethnic origin, disability, veteran status, sexual orientation, gender identity, gender expression, or any other characteristic protected under applicable law, in the administration of its policies, programs, and activities. The University recognizes and rewards individuals on the basis of qualifications and performance. The University maintains certain affirmative action programs in compliance with applicable law.

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Senior Library Expert - Cataloging And Discovery-Cataloging

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