Residential Appraiser – Collateral Risk - Philadelphia Region

Job description

Operate under limited supervision to conduct and manage collateral property inspections across assigned territories in Philadelphia and expanded market coverage areas. This field-focused role inspects multiple property types, and evaluates property condition, maintenance, quality, risk, repair needs, marketability, and other observational data relevant to collateral and/or valuation decisions. The role prepares clear, timely inspection reports, reviews supporting valuation and property documentation, monitors local market conditions, and communicates findings and trends to internal stakeholders.

Market travel is required. The position may also support special projects and broader collateral-risk initiatives requested by management. The Impact You Will Mak e Conduct on-site property inspections within Philadelphia region and expanded market areas across multiple property types. Travel to assigned properties and markets. Assess and document property condition, quality, occupancy indicators, repair needs, neighborhood influences, marketability, collateral risks, and other relevant field observations.

Prepare accurate, current, well-supported, and accessible inspection reports, including photographs, narrative findings, and recommended follow-up actions. Identify emerging collateral, valuation, insurance, construction, and market risks through field observations and trend analysis, providing actionable intelligence to management and business partners. Review appraisal reports, desktop valuations, hybrid valuations, and other collateral products for quality, credibility, compliance, and consistency with observed property conditions and market evidence.

Identify valuation concerns and communicate recommendations to internal stakeholders. Review Single-Family and Condo Project documentation as it relates to inspection requirements, collateral eligibility, property condition, and risk considerations. Evaluate the potential impact of repairs, deferred maintenance, property damage, or adverse conditions on value and marketability; identify potential insurance-related concerns when appropriate.

Monitor adherence to corporate policies, procedures, valuation guidelines, inspection standards, and applicable quality-control requirements. Partner with internal teams to communicate findings, support issue resolution, and provide actionable insights from field observations, data, and market analysis. Perform moderately complex assignments independently and participate in more complex projects or cross-functional initiatives as a team member.

Serve as a subject matter expert for field observations, collateral risk, and valuation issues, providing consultation to internal partners across Credit, Valuations, Project Standards, and Quality Control.