Collateral Appraiser

Champions Funding LLC; United States; On-site; USD 85,000 - 120,000; Full time

Job summary

Champions Funding LLC is seeking a seasoned residential appraiser to join our remote underwriting team. You will manage and review appraisal work for Non-QM loan collateral, coordinating with AMCs, brokers, and underwriters to ensure timely, compliant valuations.

The role requires state licensure, 3+ years' experience, and strong analytic and communication skills to identify risks and explain findings. You will stay updated on URAR standards and investor overlays while maintaining high-quality,

Qualifications

• Active state-licensed or state-certified residential appraiser in good standing.
• Minimum 3+ years of residential appraisal or mortgage collateral review experience.
• Experience evaluating investment properties and complex rural or unique properties.
• Familiarity with appraisal platforms (Encompass, LendingQB, MeridianLink).
• Strong analytical, valuation, and risk assessment abilities.
• Excellent written and verbal communication with attention to detail.

Responsibilities

• Order, track, and manage residential appraisals through approved AMCs.
• Review appraisal reports for USPAP and investor compliance.
• Analyze property valuations, market conditions, and comps.
• Evaluate collateral for Non-QM loan products (DSCR, bank statement, investment properties).
• Identify red flags in adjustments and comps selection.
• Document collateral findings clearly and escalate risks.
• Coordinate revisions, ROVs, and property conditions.
• Communicate with AMCs, underwriters, brokers, and internal teams.
• Ensure appraisal turn times and service levels.
• Stay current on appraisal regulations and Non-QM overlays.
• Participate in audits and quality control reviews.

Skills

State-licensed appraiser

Residential appraisal

Analytical skills

Communication skills

Time management

Attention to detail

High-volume workflow

Compliance

Team collaboration

Tools

Encompass

LendingQB

MeridianLink

Job description

Responsibilities

• Order, track, and manage residential property appraisals through approved AMCs.
• Review appraisal reports for accuracy, completeness, and compliance with USPAP, AIR, and investor requirements.
• Apply licensed appraisal expertise to analyze property valuations, market conditions, and comparable sales.
• Evaluate collateral for Non-QM loan products, including DSCR, bank statement, and investment property loans.
• Identify red flags such as unsupported adjustments, inadequate comparable selection, and marketability concerns.
• Document collateral findings clearly and escalat valuation risks to underwriting when appropriate.
• Coordinate appraisal revisions, reconsiderations of value (ROVs), and property-related conditions.
• Communicate effectively with AMCs, underwriters, brokers, and internal teams to resolve collateral issues.
• Ensure appraisal turn times and service-level expectations are met.
• Stay current on appraisal regulations, licensing requirements, market trends, and Non-QM investor overlays.
• Participate in appraisal-related audits, quality control reviews, and internal calibration efforts.

Requirements

• Active state-licensed or state-certified residential appraiser license in good standing (required).
• 3+ years of experience in residential real estate appraisal or mortgage collateral review.
• Experience evaluating investment properties, rural, unique, or complex residential properties.
• Familiarity with appraisal platforms and LOS systems (e.g., Encompass, Lending QB, MeridianLink).
• Excellent analytical, valuation, and risk assessment skills.
• Clear, professional written and verbal communication abilities.
• High attention to detail with strong time-management skills.
• Ability to manage high-volume workflows in a fast-paced environment.
• Collaborative, self-motivated professional with a commitment to quality and compliance.

This is a fully remote position.

UAD 3.6- familiar with the Uniform Residential Appraisal Report (URAR)