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 litigation. This 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 operator. Comfortable being the final call on defensibility without needing committee cover. What RBI CoversMLS 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.