Mortgage Broker Operations Manager

Job Overview

We are seeking a dynamic, dual-threat leader for the role of Mortgage Broker Operations Manager. This unique position is designed for a high-performing professional who possesses a "master-level" understanding of the U.S. mortgage market (particularly San Francisco-San Jose Bay Area) and thrives in both operational scaling and front-end sales.

The ideal candidate will divide their time equally between two core functions:
optimizing our brokerage’s operational infrastructure and driving revenue through personal loan origination
. You will serve as the primary architect of our loan program strategy—maintaining deep expertise in Conventional, Jumbo, Non-QM, and Construction products—while simultaneously managing a personal pipeline and leading a team of processors to ensure flawless execution.

Location: Cupertino, CA

Employment Type: Full-time

• Serve as the internal subject matter expert on all available loan programs. You must maintain an exhaustive, up-to-the-minute understanding of wholesale lender guidelines, pricing overlays, and turn times across conventional, jumbo, non-QM, construction, DSCR, hard money loans and other products
• Oversee end-to-end mortgage operations, managing loan files from application through closing and funding;
  Manage and support Loan Processors and operational staff, setting workflows, priorities, and performance standards
• Monitor pipeline status, track milestones, and proactively identify and resolve bottlenecks;
  Review loan files for completeness, accuracy, and quality prior to underwriting and closing;
  Coordinate and support Loan Officers, Underwriters, Title/Escrow Companies, and borrowers to ensure timely closings;
• Develop and maintain internal loan program matrices, pricing guidance, and scenario playbooks;
  Support training and ongoing education for Loan Officers and processors.
• Evaluate and onboard new wholesale lenders. Manage "Preferred Lender" programs for builder partners, ensuring loan offerings are perfectly aligned with builder incentives and Silicon Valley buyer profiles.
• Monitor the 2026 interest rate environment and secondary market trends to advise leadership on pricing strategies and product positioning.
• Ensure all loans comply with federal, state, and investor guidelines, as well as internal policies;
  Support audits, licensing requirements, and regulatory reviews as needed

• Actively originate residential mortgage loans, managing your own client relationships from initial consultation through to funding.
• Provide expert-level financing advice to clients in the Bay Area market, specializing in complex scenarios such as RSUs, self-employed income, and multi-collateral Jumbo financing.
• Develop and maintain a referral network of real estate agents, builders, and financial planners to support consistent production goals.
• Utilize deep program knowledge to pair clients with the most competitive and viable loan products, ensuring a high conversion rate from lead to closed loan.

• Ensure all loans comply with federal, state, and investor guidelines, as well as internal policies
• Support audits, licensing requirements, and regulatory reviews as needed
• Maintain and optimize the Loan Origination System (LOS), document management tools, and reporting dashboards
• Establish, document, and continuously improve SOPs to support consistency and scalability

• Minimum 5–7 years of mortgage industry experience, with at least 3 years in a management or "team lead" capacity.
• Proven understanding of broker workflows and wholesale lending environment
• Strong working knowledge of a broad range of residential mortgage products
• Demonstrated ability to manage operations while actively producing loans
• Excellent organizational, analytical, and problem-solving skills
• Strong communication and leadership capabilities
  
  Ability to operate effectively in a fast-paced, growth-oriented environment
• Proficiency with LOS platforms, document management systems, and MS Office

• Hybrid leadership + producing role with meaningful impact
• Competitive compensation with base + production upside
• Opportunity to help shape and scale a growing mortgage platform
• Collaborative, entrepreneurial team culture
• Long-term growth and leadership opportunities