Senior Commercial Appraisal Reviewer - Phoenix, Houston, Midvale or Las Vegas

Zions Bancorporation is comprised of a collection of extraordinary, locally led and community-focused banks serving businesses, households and local governments in some of the best growth markets in the nation. We're determined to help build strong, successful communities, create economic opportunity and help our clients achieve greater financial strength through the relationships we develop and the services we provide.

Summary

The Senior Commercial Appraisal Reviewer is responsible for performing in‑depth reviews of commercial real estate appraisal reports to ensure compliance with bank policies, federal regulations, and USPAP standards, securing credible valuations of real estate collateral used for underwriting, monitoring, and credit management purposes. The role provides consultation on appraisal policy and procedures, manages the appraisal procurement workflow, and supports operational effectiveness within the department. This position represents the department in internal and external interactions and provides advanced technical expertise, leadership, and support to colleagues, partners, and vendors.

Key Responsibilities

Appraisal Review & Core Operational Work

• Perform in‑depth reviews of commercial real estate appraisal reports to ensure compliance with bank policies, federal regulations, and USPAP standards, and to obtain credible valuations of real estate collateral used for underwriting, monitoring, and/or credit management purposes.
• Perform advanced technical Administrative and Technical Reviews of appraisal reports for compliance with USPAP and Bank appraisal standards to secure credible valuations of real estate collateral.
• May validate collateral valuation conclusions for underwriting, portfolio monitoring, and credit risk management with increased independence and subject matter authority, as appropriate.

Appraisal Ordering & Engagement Management

• Order appraisals and oversee appraisal engagement management within designated systems of record.
• Order, track, and manage appraisal engagements end‑to‑end, ensuring accurate documentation and timely delivery of reviews.

Consultation, Issue Resolution & Operational Support

• Provide consultation on bank appraisal policy/standards and department procedures.
• Assist with department operations, workflow management, and the appraisal procurement process.
• Resolve valuation disputes and address complaints or concerns from lenders, internal stakeholders, vendors, and clients, helping to ensure completion of the appraisal procurement cycle.
• Provide subject matter expertise on appraisal governance and support dispute resolution involving valuation concerns.
• Develop resolutions to a diverse range of complex problems requiring creativity, sound judgment, and the ability to apply appraisal standards within broadly defined policies and practices.

Reporting, Initiatives & Process Improvement

• Prepare reports for management as required, including contributions to strategic reporting or departmental initiatives.
• Support operational improvements, process standardization, and modernization efforts within the department, providing contributions or leadership when applicable.
• Contribute to department initiatives and participate in cross‑functional projects requiring advanced appraisal expertise.

Leadership, Representation & Collaboration

• Provide leadership, mentorship, technical guidance, and training to colleagues, bank staff, and third‑party suppliers as needed.
• Serve as a key resource representing the department to internal partners and external vendors, with elevated autonomy in scoping and completing assignments.
• Represent the organization as a principal contact and regularly interact with management and senior customer personnel on matters requiring coordination across organizational lines.

Qualifications

Education & Experience

• Bachelor's degree in business, finance, or related field.
• 6+ years of experience in commercial real estate appraisal, review, evaluation, and/or directly related field.
• A combination of education and experience may meet requirements.
• Prior leadership, supervisory, or mentorship experience preferred.
• Knowledge of CMBS appraisal requirements and collateral markets preferred.

Licensing & Professional Designations

• Certified General license required.
• MAI designation preferred.

Technical Expertise & Skills:

• Expert knowledge of commercial real estate appraisal principles, practices, and applications; extensive knowledge of USPAP and Bank appraisal standards; advanced knowledge of financial math/applications.
• Excellent analytical, problem‑solving, and communication skills, both verbal and written; strong attention to detail and accuracy.
• Ability to build and maintain effective working relationships with staff, bank management, and vendors.
• Ability to work independently and manage multiple priorities.
• Proficiency in related appraisal software, Microsoft Word, Excel, etc.
• Demonstrated ability to manage complex appraisal assignments with increased autonomy and stakeholder coordination.

Pay Range:

• $105,000 - $143,000 $ (Based upon relatable skills/experience and location)

Work Location:

This position can be located at one of our headquarters in the following locations:

• Phoenix, AZ
• Las Vegas, NV
• Houston, TX
• Midvale, UT

Benefits:

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business,
• Employee Ambassador preferred banking products