Staff Accountant

Position Overview

This position will manage Appraisals, Construction Administration and Environmental Policy. They are responsible for overseeing the Bank’s third-party collateral risk functions for commercial and real estate lending. This role ensures compliance with appraisal regulations, construction administration practices, and environmental risk management policies while supporting safe, sound, and timely credit delivery. This position operates consistent with The Bank of Tampa’s ‘Our Way’ philosophy—building strong relationships; treating people with dignity and respect; empowering sound decision-making; and supporting clients, communities, partners, and shareholders with integrity and long-term perspective.

Primary Duties and Responsibilities

Appraisal Management

• Oversee the Bank’s appraisal and valuation review function to ensure compliance with USPAP, Interagency Appraisal and Evaluation Guidelines, and internal policy.
• Manage appraisal vendors consistent with the Bank’s expectation that partners maintain the same high ethical standards as the Bank.
• Review and approve appraisal bids, engagement letters, and reports with independence, sound judgment, and attention to regulatory requirements.
• Communicate valuation risks clearly and respectfully, empowering lenders and credit leadership to make well-informed decisions.
• Maintain appraisal policy consistent with regulatory guidance and the Bank’s principled credit culture.

Construction Administration

• Manage construction loan administration from closing through project completion.
• Oversee construction draws, inspections, lien waivers, budget tracking, and change order reviews.
• Ensure construction monitoring aligns with approved loan terms while supporting strong client relationships built on mutual trust and respect.
• Coordinate with lenders, borrowers, inspectors, and consultants to provide reliable, responsive support while maintaining independent risk oversight.
• Identify construction-related risk trends and recommend improvements that enhance value without unnecessary bureaucracy.

Environmental Policy & Risk Management

• Administer the Bank’s environmental due diligence program, including Phase I and Phase II Environmental Site Assessments.
• Evaluate environmental risks in a balanced, thoughtful manner that supports long-term client relationships and sound collateral management.
• Manage environmental consultants as trusted partners held to the Bank’s ethical and professional standards.
• Serve as an internal advisor during credit approvals, audits, and regulatory examinations.
• Maintain policies and practices that reflect prudent risk management and responsible lending.

Leadership, Collaboration & Governance

• Lead and develop team members by treating colleagues with dignity and respect and empowering them to make good decisions.
• Support lenders, credit officers, and internal partners with a mindset of service while maintaining appropriate independence.
• Serve as a collaborative partner across departments, balancing risk discipline with responsiveness.
• Represent the Bank professionally during internal audits, loan reviews, and regulatory exams.
• Provide management reporting on workflow, performance metrics, vendor oversight, and emerging risks.

This job description reflects management’s assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.

Minimum Qualifications

• Bachelor’s degree in Finance, Real Estate, Business, Engineering, Construction Management, or related field.
• 10+ years of experience in commercial banking, appraisal review, construction administration, environmental risk, or credit administration.
• Working knowledge of USPAP and federal appraisal regulations.
• Commercial construction lending practices.
• Environmental risk management for real estate collateral.
• Experience managing third-party vendors and compliance-driven processes.
• Demonstrated leadership and sound professional judgment.

Preferred Qualifications

• MAI designation or state-certified appraiser (current or former).
• Construction or engineering background.
• Experience interfacing with bank regulators (FDIC, OCC, Federal Reserve).
• Familiarity with Florida and Southeast commercial real estate markets.

Our Way

• Preserve and enhance our culture in which the values of honesty, integrity, confidentiality, trust and respect are the underlying principles by which we work
• Make a meaningful difference in our community through our service and financial support
• Maintain a safe and sound institution that operates in conformity with the spirit as well as the letter of all applicable laws, rules and regulations, and to maintain open and forthright communication with our regulators

Benefits

You will have the opportunity to participate, subject to the terms and conditions of the respective plans, in a comprehensive package of benefits. As a highlight:

• Eligibility for health, dental, vision, life and disability insurance coverages
• Retirement Plan - 401k with matching
• ESOP- Employee Stock Ownership Plan
• Time away from work – vacation time, sick time and holidays
• Paid parental leave
• Tuition Assistance
• Professional development opportunities

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