A Senior Commercial Appraisal Reviewer position is open with Zions Bank, a division of Zions Bancorporation, N.A. This position involves being in office at the Midvale headquarters and being 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.

This Senior Commercial Appraisal Reviewer position is part of the overall Commercial Appraisal Review Department (ARD) of the parent company, Zions Bancorporation. The ARD services all eight banks of the parent company which consist of Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank, Commerce Bank of Washington, and Commerce Bank of Oregon.

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 (officing at National Bank of Arizona, Biltmore office campus)
• Houston, TX (officing at Amegy Bank tower)
• Midvale, UT (Zions Bancorporation offices)

This position will be open until filled.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.

Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include “Accommodation needed” in the subject line to ensure your information is routed to the appropriate contact.

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