Review Appraiser

Location

: Florida (Remote)

RBI Private Lending is a tech-forward, fast-growing private lending firm specializing in bridge, fix-and-flip, and ground-up construction capital across the Southeast and beyond. We compete on capital velocity — our ability to underwrite, value, and fund complex real estate transactions faster and more defensibly than traditional lenders. Innovation is not a side project here; it is the operating model. We build proprietary technology — including AI-assisted collateral review systems and centralized valuation operations — to eliminate friction, reduce vendor dependency, and scale without compromising credit quality. Joining RBI means joining a team that treats valuation as a strategic capability, not a back-office checkbox.

Job Summary

The Review Appraiser is the final line of defense on every appraisal file RBI funds against. This role owns the judgment layer in our multi-tiered review pipeline: files arrive pre-screened by Valuation Operations and pre-analyzed by our proprietary AI-assisted Collateral Review system, so the Review Appraiser focuses exclusively on the work that requires licensed human judgment — complex comp reconciliation, adjustment defensibility, scope-of-work disputes, and final value conclusions that hold up in credit committee and, when necessary, in is a high-leverage role for an appraiser who wants to operate at the top of their license without the administrative drag of a traditional shop.

Key Responsibilities

• Perform final technical and desk reviews on residential appraisal files forwarded from the operations and AI-assisted review layers, including SFRs, 2–4 units, condos, and non-conforming properties.
• Make final judgment calls on complex files — flagged valuations, contested adjustments, limited comp markets, rural/coastal properties, and post-disaster valuations.
• Validate comparable selection, adjustment logic, and reconciled value conclusions against MLS data, public records, and available market evidence.
• Issue clear, defensible review of memos with approve / conditional approval / return-for-revision recommendations, supported by cited market data.
• Weekly: Partner with Valuation Operations Analysts to close feedback loops — document recurring issues, update review criteria, and refine the AI system's flag logic.
• Weekly: Contribute to panel QC scoring, revision-rate tracking, and vendor performance reviews for appraisers on our Internal Appraiser Panel (IAP).
• Weekly: Support credit, underwriting, and asset management teams on valuation questions, ROV (Reconsideration of Value) responses, and loss-scenario valuations.
• As needed: Serve as the licensed signatory on Florida review products where state law requires an active FL-credentialed appraiser.
• Ongoing: Participate in building and improving our proprietary review tooling — your field experience directly shapes the system.

Qualifications & Requirements

• Licensing: Active Certified Residential Appraiser license in the State of Florida (required — non-negotiable). This is the only credential the appraiser must bring; RBI covers everything else.
• Experience: Minimum 5 years of active residential appraisal experience; meaningful reps on complex, coastal, rural, and non-conforming properties strongly preferred.
• Review Experience: Prior appraisal review experience (desk, technical, or field review) required. Private lending, bridge, or non-QM exposure is a significant plus.
• Technical Knowledge: Deep working knowledge of USPAP, Fannie/Freddie guidelines, and FHA/VA standards; comfort identifying deviations and articulating them in writing.
• Communication: Strong written communication — able to produce clinical, defensible review memos that read cleanly to credit, legal, and executive audiences.
• Technology: Comfort working in a modern, tech-forward stack. Willingness to work inside AI-assisted review tooling is required — this role does not operate on PDFs and email alone.
• Mindset: Self-directed, high-ownership being the final call on defensibility without needing committee cover.

What RBI Covers

• MLS subscription and dues.
• State license renewal and USPAP continuing education.
• All valuation software, data tools, and internal review systems.

What Success Looks Like

• Cycle time on final review consistently meets or beats SLA targets.
• Revision rate on funded files trends down quarter over quarter.
• Zero defensibility failures on files you signed off — no post-funding valuation surprises, ROVs, or loss events tied to review gaps.
• Your feedback measurably improves the AI review system's flag precision over time.