Head of Valuation & Collateral Risk — Tech-Driven Lending

LendingOne, LLC; Charlotte (NC); On-site; USD 150,000 - 230,000; Full time

Benefits offered by this job

Work-From-Home Fridays

Generous 401(k) match

Medical, dental and vision benefits

Learning & Development programs

Company-sponsored lunches and events

Job summary

LendingOne is seeking a Director of Valuation & Collateral Risk in Charlotte to lead the valuation and appraisal functions, oversee internal and external appraisals, and align collateral risk with business goals. You will guide policy, build scalable workflows, and drive data-driven improvements across teams and partners.

The role demands a licensed appraiser with 10+ years in real estate valuation, strong leadership, and executive communication.

Qualifications

• 10+ years in residential real estate valuation or collateral risk.
• Experience with DSCR and investor real estate lending.
• Deep knowledge of appraisal methods and after-repair value.
• Experience leading a high-accountability team in lending.
• Vendor management and quality remediation experience.
• Ability to translate policy into repeatable rules and workflows.
• Strong analytical skills with loan-level data experience.
• Executive communication to balance risk, speed, and investor expectations.

Responsibilities

• Set and maintain valuation policy across DSCR rental, bridge, fix-and-flip, fix-to-rent, new-construction and portfolio lending products.
• Provide senior-level review and escalation for complex appraisals and material valuation disputes.
• Establish consistent standards for appraisal, BPO, inspection and AVM products.
• Ensure practices align with credit appetite, investor requirements and regulatory standards.
• Partner with Credit, Underwriting, Asset Management and Capital Markets on collateral risk.
• Lead and develop the valuation review and appraisal coordination teams and SLAs.
• Oversee the complete appraisal lifecycle from ordering to final approval for borrower experience.
• Build scalable valuation operations with workflows and performance metrics.
• Own relationships with appraisal management companies and valuation providers.
• Establish vendor scorecards for quality, turn time and cost.
• Lead vendor selection, remediation and allocation with Procurement and Legal.
• Support investor, warehouse, audit inquiries related to valuation policy and loan files.
• Implement controls to prevent investor-delivery defects and data gaps.
• Lead appraisal technology initiatives and data extraction with Product and Tech.
• Set rules and thresholds for automated valuation processes.
• Maintain valuation policies, delegation matrices and audit controls.
• Develop reporting to identify valuation adjustments and reviewer performance.
• Use data and feedback to improve valuation processes and risk controls.
• Present collateral-risk issues and policy recommendations to Credit Committee.

Skills

Valuation leadership

Team management

Analytical skills

Executive communication

Vendor management

Process improvement

Education

Licensed real estate appraiser

Job description

LendingOne is seeking a Director of Valuation & Collateral Risk in Charlotte to lead the valuation and appraisal functions, oversee internal and external appraisals, and align collateral risk with business goals. You will guide policy, build scalable workflows, and drive data-driven improvements across teams and partners.

The role demands a licensed appraiser with 10+ years in real estate valuation, strong leadership, and executive communication.