01Overview
Staff Appraiser (Appraisal Review & Collateral Risk)
CMG Financial is seeking an experienced residential appraiser to serve as a Staff Appraiser focused on appraisal review, collateral risk management, and valuation oversight.
This role will not perform field appraisals. Instead, the Staff Appraiser will be responsible for reviewing completed appraisal reports to identify valuation risk, overvaluation concerns, SSR alerts, reconsiderations of value (ROVs), and compliance issues.
The ideal candidate combines strong valuation expertise with sound risk judgment and the ability to communicate clearly with underwriting, production, and external appraisal partners.
ESSENTIAL DUTIES and RESPONSIBILITIES, include the following responsibilities, but not limited to:
Appraisal & Collateral Review
Perform independent reviews of residential appraisal reports to assess accuracy, supportability, and compliance with USPAP, agency, and investor guidelines
Evaluate reports flagged for elevated SSR scores, collateral risk indicators, or automated valuation discrepancies
Identify potential overvaluation, unsupported adjustments, market condition concerns, or data inconsistencies
Review and resolve Reconsideration of Value (ROV) requests and borrower escalations
Provide clear written conclusions and risk-based recommendations
Risk Oversight & Quality Control
Conduct targeted audits of appraisers and AMCs to identify performance trends and quality concerns
Monitor valuation trends by geography, product, or production channel
Support appraisal policy updates and process improvements
Partner with risk, QC, and secondary marketing teams on collateral risk initiatives
Training & Advisory
Provide targeted training and guidance to underwriters on appraisal interpretation and red flags
Serve as a subject matter expert (SME) for valuation-related questions
Support production teams with guidance on complex or high-risk valuation scenarios
QUALIFICATIONS AND EXPERIENCE:
Required
Current Certified Residential or Certified General Appraiser license (active and in good standing)
5+ years of residential appraisal experience
Strong knowledge of USPAP, Fannie Mae/Freddie Mac guidelines, and common investor overlays
Experience reviewing appraisal reports for compliance and valuation supportability
Deep understanding of comparable selection, adjustments, market trends, and collateral risk
Excellent written and verbal communication skills
Preferred
Prior experience working for a mortgage lender, bank, or AMC in an appraisal review capacity
Familiarity with SSR tools (Collateral Underwriter / Loan Collateral Advisor)
Experience in handling ROVs and borrower escalations
Experience conducting training for underwriting or production staff
SUPERVISORY RESPONSIBILITIES: Direct Reports: N/A
PHYSICAL and ENVIRONMENTAL CONDITIONS:
This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required.
Base Compensation Information This is a remote role that can be performed from within the United States. Residents of the states of CA & CO, and NY are excluded from this remote role at this time. Information regarding base wages provided upon request.
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