A real estate appraiser can help a local bank in a number of ways:

• Assess the value of collateral. When a bank makes a loan, it needs to assess the value of the collateral that the borrower is putting up. An appraiser can help the bank do this by providing an independent estimate of the property's value.

• Monitor the value of collateral. The bank may also need to monitor the value of the collateral over time to make sure that it is still worth what the bank lent. An appraiser can help the bank do this by providing regular updates on the property's value.

• Identify risks. An appraiser can also help the bank identify risks associated with the property, such as the risk of flooding or the risk of a decline in property values. This information can help the bank make informed decisions about whether or not to make a loan.

• Comply with regulations. Banks are required to comply with a number of regulations related to real estate lending. An appraiser can help the bank comply with these regulations by providing reports that meet the required standards.

Overall, a real estate appraiser can be a valuable asset to a local bank by providing independent assessments of property values, monitoring the value of collateral, identifying risks, and complying with regulations.