Director of Valuations & Collateral Risk

Lending One is a direct private lender for Real Estate professionals headquartered in Boca Raton, FL with additional offices in Charlotte, NC and Great Neck, NY. Lending One made the Inc. 500 list of the fastest-growing private companies in America in 2019. Along with being rated one of the Top Workplaces in 2025 - for the fourth consecutive year - by Sun Sentinel!

We specialize in providing business-purpose mortgage loans for non-owner-occupied investment properties. We offer fix/flip bridge loans and long-term rental financing. Not a broker nor a bank, but a fully funded lending partner that can close consistently. Lending One and its affiliates have extensive real estate experience and have provided over $8 Billion in real estate capital.

As the Director of Valuation & Collateral Risk, you will lead Lending One’s valuation and appraisal functions, overseeing the internal appraisal and appraisal coordination teams. As a licensed appraiser, you will provide subject matter expertise and oversight across the valuation process, including internally assigned property values and the review of appraisal reports completed by external and third-party appraisers. You will be responsible for maintaining consistent valuation standards, ensuring the quality and accuracy of collateral assessments, and providing leadership and oversight of collateral risk across Lending One’s lending platform.

This is a leadership role for an experienced valuation professional who understands collateral and valuation risk, has a proven ability to lead and develop teams, and knows how to build scalable, efficient processes. The ideal candidate will bring a continuous improvement mindset and be excited about leveraging technology, data, and automation to strengthen an already successful operation, improve consistency and efficiency, and support Lending One’s continued growth.

• Set and maintain valuation policy across DSCR rental, bridge, fix-and-flip, fix-to-rent, new-construction and portfolio lending products supporting our Core and Builder Finance divisions
• Provide senior-level review and escalation for complex appraisals, after-repair values, construction projects, rural or thinly traded markets, unusual property types and material valuation disputes.
• Establish consistent standards for appraisal, broker price opinion, inspection, automated valuation and other alternative valuation products.
• Ensure valuation practices align with Lending One’s credit appetite, product guidelines, investor requirements, warehouse eligibility and applicable legal or regulatory standards.
• Partner with Credit, Underwriting, Asset Management and Capital Markets to identify emerging collateral risks and translate portfolio performance into policy improvements.

• Lead and develop the valuation review and appraisal coordination teams, establishing clear responsibilities, service level expectations, and escalation processes.
• Oversee the complete appraisal lifecycle, from ordering and assignment through review, revisions and documentation and final approval, ensuring an efficient and consistent borrower experience.
• Build scalable, high-performing valuation operations through the development of workflows, capacity planning, cross-training and performance metrics to improve turnaround times, quality and service.

• Own relationships with appraisal management companies, valuation providers, inspection vendors and relevant technology partners.
• Establish vendor scorecards covering quality, turn time, revision frequency, geographic coverage, responsiveness and cost.
• Lead vendor selection, performance reviews, remediation and…