Overview
- World Business Lenders (WBL) is a privately held portfolio lender specializing in real estate-secured business loans for underserved businesses. WBL operates with a fully remote, multinational workforce and an experienced executive leadership team.
- Collateral spans U.S. markets, from primary metros to tertiary and rural locations, so this role must form defensible value opinions in markets the reviewer may not know firsthand.
- Typical schedule is 9:00 AM to 6:00 PM Eastern Time, Monday through Friday, with additional hours as committee timing and business needs require.
What You'll Be Doing (Core Responsibilities)
- Review appraisals, evaluations, BPOs, and CMA’s for accuracy, methodology, and compliance with USPAP and the Interagency Appraisal and Evaluation Guidelines; return deficient reports for correction.
- Test value conclusions against independent market evidence (MLS, public records, CoStar, broker reports) in any U.S. market.
- Flag weak comparables, unsupported adjustments, stale data, math errors, and unreasonable extraordinary assumptions or hypothetical conditions.
- Analyze income property: rent rolls, operating expenses, NOI, cap rates, and discounted cash flow (DCF) assumptions.
- On construction and development loans, compare budgets, draws, and completion status against as-complete value conclusions.
- Recommend a value for each relevant premise (as-is, as-complete, as-stabilized, disposition) suited to the loan’s stage: origination, performing, default, workout, or REO.
- Write concise findings and present recommendations for Investment, Asset Resolution, and Initial Credit Review.
- Recommend added work when information is insufficient: new appraisal, inspection, environmental, or engineering report.
Requirements
- Education
- Bachelor’s degree in real estate, finance, economics, business, or a related field.
- Required Experience
- 5+ years in appraisal, appraisal review, collateral valuation, underwriting, or asset management, the majority on commercial collateral.
- Hands-on commercial and income-property valuation or review experience; residential review experience is a plus.
- Working knowledge of the sales comparison, income, and cost approaches, and of USPAP.
- Experience with distressed, foreclosed, or REO property.
- Strong Excel, writing, and presentation skills, and the confidence to challenge unsupported conclusions.
- Preferred Background / Industry Experience
- State Certified General or Certified Residential appraiser credential or progress toward Certified General.
- A professional valuation designation, or active candidacy for one, such as:
- AI-GRS (General Review Specialist, Appraisal Institute), the designation focused on commercial appraisal review
- MAI (Appraisal Institute), for commercial and income-producing property
- MRICS (Royal Institution of Chartered Surveyors)
- ASA (American Society of Appraisers), Real Property
- CCIM (CCIM Institute), for commercial investment analysis
- ARA (American Society of Farm Managers and Rural Appraisers), for rural and agricultural property
- AI-RRS or SRA (Appraisal Institute), for residential review and valuation
- Commercial appraisal review experience at a bank, portfolio lender, or private credit fund.
- Familiarity with construction and development projects and the cash flow-based analysis used to value them.
Key Performance Measures
- Accuracy of recommended values against subsequent sales and recoveries
- Material deficiencies caught before funding, workout, or disposition decisions
- Review turnaround time and consistency with WBL standards
- Quality of written findings and committee presentations
- Growth into independent review of complex commercial and development assets
Remote Work Requirements
- Stable, reliable internet connection.
- Professional and dedicated remote working environment.
Benefits
What We Offer
💰 Compensation includes a base salary of $65,000-$85,000.
🏖️ Benefits include medical, dental, vision, life, and disability coverage; a 401(k) with company match; and paid holidays and paid time off (PTO).
🌍 Work Environment: Fully remote work environment, with occasional travel for leadership off sites/corporate events.
Ready to Apply?
If this sounds like you, we'd love to hear from you - submit your CV in English and hit Apply
Skills Required
- Bachelor's degree in real estate, finance, economics, business, or a related field
- 5+ years of experience in appraisal, appraisal review, collateral valuation, underwriting, or asset management, primarily involving commercial collateral
- Hands-on commercial and income-property valuation or review experience
- Working knowledge of sales comparison, income, and cost approaches
- Working knowledge of USPAP
- Experience with distressed, foreclosed, or REO property
- Strong Excel skills
- Strong writing and presentation skills
- Ability to challenge unsupported valuation conclusions
- State Certified General or Certified Residential appraiser credential, or progress toward Certified General
- Professional valuation designation or active candidacy, such as AI-GRS, MAI, MRICS, ASA, CCIM, ARA, AI-RRS, or SRA
- Commercial appraisal review experience at a bank, portfolio lender, or private credit fund
- Familiarity with construction and development projects and cash flow-based valuation analysis
What We Do
At World Business Lenders (WBL) Our motto, 'We Lend. You Grow' is simple, yet powerful. We make working capital available to eligible businesses for expansion and growth. WBL was founded by a seasoned team of entrepreneurs with strong track records of launching, financing and growing successful small businesses. We understand what businesses need in terms of working capital, and are well-aware of how little is actually available for small businesses in the current marketplace. WBL understands how additional working capital can help you navigate your business to maximum success. Our unique approach to lending makes your business the focal point for loan decisions. Instead of concentrating on personal assets and a business owner's credit score, we believe the history and financial performance of your business should outweigh all other factors in our decision making process. WBL bases each loan decision on your business’s ability to make affordable daily payments to satisfy the loan. While there are many challenges small business owners face, WBL believes access to working capital shouldn't be one of them. WBL's sole focus is making loans to small businesses. This is all we do! We Lend. You Grow.
