Senior Appraisal Analyst - Remote Flexibility (Must Reside in the Greater Richmond Area)
Description • Serve as the final line of defense for Truist’s multi-billion-dollar real-estate-secured loan portfolio by performing meticulous collateral reviews that protect both the bank and its clients from undue risk. • Leverage advanced critical-thinking and analytical skills to dissect complex residential and commercial appraisals, ensuring every valuation meets Federal and State law as well as Truist’s stringent risk policies. • Own the end-to-end collateral workflow: pull required documentation from internal loan officers, external borrowers, AMCs, county recorders, and third-party vendors; then conduct a line-by-line review of appraisals, 1004Cs, 1025s, 1007s, market data, comparable sales, cost approaches, and income analyses. • Identify red flags such as unsupported adjustments, non-arm’s-length transactions, USPAP violations, or geographic competency gaps; determine precise remediation steps—whether a revised report, a desk review, a field review, or a new appraisal—and shepherd each file to a compliant close. • Act as the subject-matter expert for Mortgage Lending products (conventional, FHA, VA, USDA, jumbo, portfolio, and investor loans) and translate nuanced guideline changes into actionable coaching for loan officers, processors, and underwriters. • Drive pipeline velocity by collaborating daily with Sales, Underwriting, Closing, Post-Closing, and Quality Assurance teams to balance risk controls with on-time closings; proactively escalate potential delays and present data-driven solutions. • Maintain an active risk radar: monitor regulatory bulletins from HUD, VA, Fannie Mae, Freddie Mac, CFPB, and state appraisal boards; update checklists, job aids, and training decks so the entire mortgage ecosystem stays compliant. • Mentor junior analysts and new hires by sharing best-practice workflows, hosting monthly “lunch-and-learn” sessions, and providing side-by-side coaching on complex collateral scenarios. • Champion a culture of continuous improvement by submitting enhancement requests to technology partners, automating manual touchpoints, and piloting new data-analytics tools that reduce review cycle time without compromising quality. • Represent Truist externally when needed—whether attending state appraisal board meetings, participating in industry roundtables, or partnering with AMCs to resolve systemic quality issues—thereby elevating the bank’s reputation as a fair, knowledgeable, and forward-thinking lender. • Work from the comfort of your home office while remaining seamlessly connected to the Richmond-based team through Microsoft Teams, SharePoint, and Encompass; occasional travel (roughly 5 %) may be required for training, audits, or strategic planning sessions. • Enjoy the autonomy of remote flexibility coupled with the camaraderie of a high-performing team that celebrates wins, supports one another through challenges, and consistently ranks among the top quartile for customer satisfaction and loan quality. Apply tot his job