Appraisal Review Specialist

About the role

The Specialist I, Mortgage Underwriting, supports the reviewing residential real estate appraisal reports for U.S. conventional mortgages and, over time, may support FHA appraisal reviews as well. The Appraisal Review Specialist at Zillow Home Loans (ZHL) is a key member of a new India-based collateral risk team focused on driving both loan quality and operational efficiency.

What you'll do

• Collateral risk & appraisal review
• Review residential appraisal reports for conventional and FHA loans, ensuring they meet ZHL standards and applicable investor/agency guidelines
• Assess collateral risk by analyzing subject property characteristics, market conditions, comparable selection, adjustments, reconciliation of value, and property photos
• Identify appraisal deficiencies, inconsistencies, or red flags (e.g., market anomalies, condition/quality mismatches, unsupported adjustments, data errors)
• Recommend appropriate actions, including appraisal clearance, revision requests, desk reviews, and escalations, to protect ZHL from collateral-related loss

What you need

• 3–6 yrs of experience
• Underwriting
• Reconciliation
• Sales
• SOP writing
• Risk management
• Any graduate