Real Estate Risk 2LOD Sr. Lead Analyst, Senior Vice President

Citi; Jacksonville (FL); On-site; USD 141,000 - 212,000; Full time

Job summary

Citi is seeking an experienced Real Estate Appraiser in Jacksonville, FL, to conduct critical reviews of commercial appraisals and manage the review process for single assets or portfolios. The role involves coordinating with lenders, vendors, and internal teams to ensure credible value conclusions and regulatory compliance.

The ideal candidate holds a CGA or MAI-level education, 10+ years in appraisal, and deep knowledge across major property types.

Qualifications

• Bachelor's degree required; MAI designation coursework or equivalent preferred.
• Must be a state Certified General Appraiser.
• 10+ years of appraisal experience, with at least 3 years in a lending institution preferred.
• Broad expertise across office, retail, industrial, multifamily and special purpose properties.

Responsibilities

• Perform critical reviews of externally prepared commercial appraisals to ensure credible value conclusions and compliance with requirements.
• Manage review process on single assets and portfolios; lead a team of review appraisers and coordinate with lenders.
• Contract with vendors; manage delivery timelines and quality; track assignments on a centralized system.
• Lead ad hoc teams for due diligence, market studies, and market intelligence to lenders on specific deals.
• Resolve issues not compliant with Citi policies or unreasonable conclusions.
• Advise risk managers on complex real estate issues with balanced risk perspectives.
• Work with a wide variety of property types across the US, from single assets to large portfolios.

Skills

Analytical thinking

Credible challenge

Financial analysis

Governance

Policy

Procedure

Regulation

Risk management lifecycle

Education

Bachelor's degree

MAI designation coursework or equivalent

Tools

Argus

Rockport VAL DCF

MS Excel

Job description

Responsibilities

• Perform critical reviews of externally prepared commercial appraisals to ensure that the value conclusions are credible and that the reports are in compliance with all necessary requirements.
• Responsible for managing the review process on single assets as well as portfolios, which can include leading a team of review appraisers and coordinating with participating financial institutions.
• Contract with vendors; manage vendors to on-time delivery and quality product; and maintain the timely status of each assignment on a common job tracking system.
• On occasion may lead an ad hoc team for valuation due diligence or a special project; prepare market studies; provide market intelligence to the lenders on a specific deal; prepare internal appraisals; perform sensitivity analyses for property cash flow projections; and evaluate the feasibility of a complex investment.
• Resolve any issues that are not compliant with Citibank policies or conclusions that are not reasonable.
• Advise risk managers in addressing complex real estate issues. Objectively provide risk managers with a balanced view of the risk associated with a given property.
• Work with a wide variety of property types across the US ranging from single assets to large portfolios that include several hundred properties.

Qualifications

• Minimum of 10+ years of appraisal experience with at least 3 years in a lending institution preferred.
• Should have Bachelor’s degree and may have advanced degrees.
• Must have completed and passed all Appraisal Institute classes necessary for the MAl designation, or equivalent education.
• Must be a state Certified General Appraiser.
• Have outstanding breadth and depth of commercial appraisal expertise that includes all major property types (office, retail, industrial, multifamily) and special purpose properties (self storage, hotels, student housing, etc.).
• Must have a strong sense of the characteristics affecting value. Highly productive and efficient as a reviewer.
• Work autonomously and require little direction for single properties as large as $100MM+ in value. Would be considered Subject Matter Expert for commercial appraisal.
• Proficient computer skills for MS Office. Outstanding proficiency in Argus and Rockport VAL DCF software and MS Excel.
• Must have a comprehensive understanding of USPAP. Must have a good understanding of FIRREA and all other subsequent Regulatory Policies concerning appraisals.
• Outstanding analytical skills. Strong interpersonal skills.
• Work well under pressure and multi-task. Outstanding organization and management skills.
• Must have strong verbal and written communication skills. Capable of being effective in decision making and outstanding problem-solving skills.
• Sustain good relationships with internal clients and vendors.

Job Family Group

Risk Management

Job Family

Real Estate Appraiser

Time Type

Full time

Primary Location

Jacksonville Florida United States

Primary Location Full Time Salary Range

$141,440.00 - $212,160.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

Anticipated Posting Close Date

Oct 23, 2026

Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision‑making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

Equal Opportunity

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.