Appraisal Quality Control Analyst

WHO WE ARE:

Xactus (pronounced ‘Zac-tus’) is the leading verification innovator for the mortgage industry. We have over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. Xactus works closely with our clients to digitally integrate a 360° approach to verification across their workflows. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy – while also closing more loans more quickly with greater profitability.

Xactus is proud to provide a friendly work environment that is primarily remote (unless specifically a hybrid or on-site role). Our remote workforce provides many opportunities for you to enhance your skills while maintaining a healthy work/life balance.

Our top-notch financial leadership team prioritizes building talent. If you are curious and searching for a change that will be fun and rewarding, please reach out to us! We would love to have you on our team!

WHO YOU ARE:

You are a career-minded, driven individual who is looking for a position that challenges you and supports your professional development.

THE BENEFITS WE OFFER:

A friendly, supportive environment which is highly rated by Xactus employees. Feedback from our employees says: “The people I work with treat each other with respect,” “I feel accepted by my coworkers,” and “The person I report to cares about me as a person.”

Xactus offers medical, vision and dental insurances, bonus programs, fitness reimbursement and other healthy life-style programs through our benefits carrier, 401k plan with a company match, short and long-term disability, life insurance, accident and critical illness insurance, health savings account, flexible spending account, employee assistance program, legal services, employee discounts and more.

Summary:

Appraisal Quality Control Analysts are responsible for performing pre‑ and post‑delivery quality control checks on non‑complex residential appraisal assignments to support overall appraisal quality, data integrity, and regulatory compliance. This role focuses on ensuring completeness, consistency, and guideline adherence and does not constitute an appraisal review as defined by USPAP.

The Appraisal Quality Control Analyst does not perform quality control reviews on complex appraisal assignments, including but not limited to atypical properties or new construction, and is not involved in Reconsideration of Value (ROV) requests.

ESSENTIAL FUNCTIONS:

The following is a list of essential functions, which is subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function based on business needs or at its sole discretion.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Perform quality control reviews of non-complex residential (1–4 unit) appraisal reports for completeness, internal consistency, and adherence to applicable client, investor, and internal guidelines.
• Identify missing, inconsistent, or unclear data points and communicate findings to appropriate internal stakeholders for resolution.
• Verify that required appraisal components, exhibits, certifications, and addenda are present and properly completed.
• Perform basic validation of property data, legal descriptions, and MLS information for accuracy and consistency.
• Confirm alignment between report data, scope of work, and assignment parameters.
• Document QC findings and outcomes in internal systems in a clear, professional, and objective manner.
• Escalate complex issues, atypical properties, new construction assignments, or policy questions to licensed Review Appraisers or management.
• Maintain effective communication with Appraisal Desk staff to help minimize delays or processing issues.
• Adhere to all applicable internal policies, regulatory requirements, and information security standards.
• Collaborate with team members to support continuous process improvement and quality initiatives.

EXCLUSIONS / SCOPE LIMITATIONS

The Appraisal Quality Control Analyst does not:

• Perform appraisal reviews requiring a state appraisal license or certification
• Analyze or render opinions of value
• Perform QC on complex assignments, including but not limited to atypical properties or new construction
• Participate in, evaluate, or manage Reconsideration of Value (ROV) requests
• Communicate appraisal conclusions directly to lenders, borrowers, or appraisers regarding value disputes

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE:

• No appraisal license or certification required
• No college degree required
• Prior experience in appraisal administration, valuation QC, mortgage operations, or collateral review functions preferred
• Familiarity with residential appraisal report formats and terminology strongly preferred.

SKILLS AND COMPETENTCIES:

• Strong attention to detail and accuracy
• Analytical mindset with the ability to identify inconsistencies and missing information
• Excellent written and verbal communication skills
• Ability to follow defined guidelines, workflows, and escalation protocols
• Time management skills with the ability to handle volume‑based workloads
• Professional judgment to recognize issues requiring escalation

WORKING CONDITIONS:

• This is a work from home position.
• May require flexibility in hours.

PHYSICAL DEMANDS:

Xactus promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and team members. Please contact your supervisor with questions regarding the physical demands of this position.

• Lifting/carrying up to 10 lbs.
• Manual dexterity for computer work
• Speaking, hearing and vision are required to perform essential functions.

ADDITIONAL INFORMATION REGARDING EMPLOYMENT WITH XACTUS:

If applying for a position at Xactus, candidates must be a resident of the United States, and should be authorized and eligible for employment in the United States. Xactus does not provide visa sponsorship at this time.

If hired to work at Xactus, employment is contingent upon successful completion of required background checks (including but not limited to federal and state criminal history checks, employment history verification, education verification, credit history check) and pre-employment drug screening.

No agency submissions, please. We do not accept unsolicited resumes from third-party recruiters.