It Starts Here:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

Commercial Real Estate Review Appraiser

Ideal Candidate Must Have:

• 5+ years of direct Commercial Real Estate appraisal review experience within a Bank's Commercial Real Estate Appraisal Review Department (strongly preferred and required for success in this role)
• State Certified General Appraiser in at least one of the following states (NY, NJ, PA, DE or MD) – Required
• Must have a strong background in engaging and reviewing commercial appraisal reports for diverse existing and proposed property types (multifamily, office, industrial, special use)

The Difference You Make:

The Commercial Real Estate Review Appraiser delivers specialized appraisal review and advisory services to support Santander Bank’s lending and risk management functions. This role ensures complex valuations are credible, compliant, and aligned with regulatory standards and the bank’s risk appetite.

You will partner across all lines of defense, providing independent review, challenge, and guidance on valuation risk to support sound credit decisions. As a subject matter expert in commercial real estate appraisal review, your work directly influences credit quality, risk mitigation, and portfolio performance.

Key Responsibilities:

Appraisal Review & Valuation

• Review complex CRE appraisals for accuracy, completeness, and credibility
• Identify risks, inconsistencies, and areas requiring escalation
• Deliver clear, well-supported, audit-ready conclusions
• Support timely and effective lending decisions

Risk Management

• Assess valuation and collateral risk exposure
• Ensure compliance with FIRREA, USPAP, and internal policies
• Investigate issues and recommend mitigation strategies
• Communicate findings to senior stakeholders

Portfolio & Process Improvement

• Monitor portfolio trends and emerging valuation risks
• Enhance appraisal review processes and quality controls
• Drive best practices and continuous improvement

Advisory & Collaboration

• Advise lending teams on complex valuations
• Partner across risk, credit, and business functions
• Promote strong valuation and risk management practices

What You Bring:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

License, Certification & Education

• State Certified General Appraiser in at least one of these states: NY, NJ, PA, DE, or MA – required
• MAI designation a plus
• Bachelor’s degree in Finance, Real Estate, Economics, or related field preferred.

Experience

• 5+ years of direct CRE appraisal review (required)
• Strong experience with complex commercial valuations
• Demonstrated experience reviewing complex commercial real estate valuations across asset types.

Skills & Competencies

• Deep expertise in CRE appraisal review and valuation analysis
• Strong knowledge of regulatory standards including FIRREA and USPAP
• Strong analytical and risk assessment skills
• Clear communication and sound judgment
• Proficiency in Microsoft WORD and EXCEL
• Ability to manage multiple priorities and influence stakeholders

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range:

Minimum

$78,750.00 USD

Maximum:

$130,000.00 USD

We Value Your Impact:

Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions:

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next:

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.