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LendingHome

Valuation Analyst (Appraiser)

Pittsburgh, PA

Kiavi, formerly known as LendingHome, is one of the largest lenders to real estate investors in the United States. With Kiavi’s technology platform and innovative financing solutions, real estate investors are empowered to make informed decisions, close deals faster, and realize the full potential of their real estate investment strategies.

The Team 

Founded in 2013, Kiavi is committed to helping customers revitalize approximately $25 trillion worth of aged U.S. housing stock and provide move-in ready homes and rental housing for millions of Americans across the country.  We have funded $7.8 billion dollars worth of loans across about 35,000+ projects, becoming one of the nation's largest bridge loan lenders. 

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Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards: Best Digital Mortgage Platform, Fast Company’s Most Innovative Companies, and many more

  • Loans funded: More than $7.8 billion
  • Geography: Lends in 27 states plus Washington, D.C., which account for more than 80% of the nation’s real estate market
  • Homes financed: About 35,000
  • Principal and interest returned to investors: More than $5.18 billion
  • Employees: Over 400 employees

This position can be based anywhere in the United States—remote or in-office. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them. For those who prefer to work in-office, we have locations in San Francisco and Pittsburgh. We also plan to use these spaces to bring together teammates to drive creativity and innovation.

The Role

The Valuations team is instrumental in assessing the risk of our mortgage deals. Specifically, the team uses its expertise to order, assess and analyse the value of a subject property. It’s a dynamic department that partners with Customer Experience, Underwriting and Capital Markets to deliver excellent borrower experience and provide support for investors. A qualified Real Estate Valuation Analyst provides analytical support in underwriting mortgage loan investments. Pivotal to the success of a valuation team member candidate is previous experience as a residential real estate appraiser as well as a strong aptitude in finance and economics. Needs to have a thorough understanding of real estate and capital markets vocabulary, good familiarity with analytic programs such as Excel, and an ability to communicate ideas and recommendations orally and in writing, as well as the ability to work independently as a member of a team.

Responsibilities

  • Perform initial intake steps with prospective borrower applications to evaluate whether collateral falls within Kiavi's parameters for lending 
  • Researching subject property and comparables based on online sources including county records & MLS, and information provided by real estate professionals and borrowers researching and analyzing collateral as-is and as-repaired value based on variety of factors, including: collected data, replacement cost, borrower’s rehab project, market comparisons, local and regional market and economics
  • Allocating value to land, improvements and evaluate plausible exit scenarios
  • Presenting verbal and written analysis, being able to defend it and make recommendations to customer experience, operations teams, and 3rd parties valuations providers
  • Analyzing data collected through 3d party valuations and interpreting which value is valid and pertinent to the valuation of a specific property
  • Rebutting 3rd party valuations 
  • Responding to questions and concerns regarding property valuations
  • Providing analytical support and completing special projects for all functional areas within the real estate loan portfolio
  • Tracking vendor variances, conducting collateral checks, and partnering with the servicing team on REO files

Qualifications

  • Active appraisers license
  • Preferred Associate or Bachelor degree, or 3-5 years experience in sufficient, relevant real estate valuation work
  • Experience with as-repaired valuations and appraisal reviews
  • Good understanding of return on investment and return on repairs
  • 5 years of experience valuing residential real estate in a multi-state lending environment
  • Proficiency with online research gathering subjects and comps information  
  • Written and verbal communication skills; must be able to adapt well to a fast paced and constantly changing business environment; 
  • PC proficient at the intermediate level; ability to work with new technology systems and paperless environment, demonstrated ability to work in a team-oriented environment and provide excellent customer experience 
  • Familiarity with Google Suite (Gmail, Google Docs, Google Sheets) 

 

Benefits and Perks 

  • Product Ownership: All employees think like an owner because all employees own equity in the company and play a critical role in making our business great.
  • Health Insurance: Our medical, dental, and vision plans are completely free for employee-only coverage, and the company pays 80% of the total premium for dependents.
  • Whole-Person Wellness: Anyone can schedule no-cost unlimited virtual therapy sessions, use a monthly subsidy for fitness facilities, and access reimbursements for fertility services.
  • Retirement Savings. Employees who participate in our “no fee” 401(k) receive an immediately-vested employer match on 100% of contributions up to 3% of compensation. 
  • Career Growth: We foster an environment that encourages opportunities to use your voice, do better for our customers and each other, and support your career journey.
  • Flexible Time Off: With no cap on the number of days of PTO each year, employees are encouraged to enjoy a well-rounded lifestyle with work, travel, and family.
  • Paid Leaves: You’re immediately eligible for up to 12 weeks of paid leave each year to bond with a new child (mothers & fathers) and up to 8 weeks for medical or caregiver leave so you come back ready to deliver high-impact results.
  • Remote-First: We win together while still being fully remote, and each employee receives a stipend for their home office setup and a monthly allowance to help with the cost of internet/phone.

Kiavi in the News:

Kiavi is an Equal Opportunity Employer
San Francisco Fair Chance Ordinance Police Code, Article 49
Job ID: 3655455
Employment Type: Other