Wealthfront is seeking a Director of Home Lending to join our team as we build and scale our mortgage lending operations. As a key player on the team you will leverage your expertise to play a pivotal role in compliance, origination and operational functions of the home lending unit. This position offers an exciting opportunity to be a part of a cutting-edge team in a rapidly growing environment.
Responsibilities
- Lead configuration and optimization of the Loan Origination System (LOS) to meet business needs, ensuring efficient and compliant loan origination.
- Collaborate with product and engineering teams to design scalable system workflows and ensure seamless integration with other technology platforms.
- Oversee system testing, implementation and ongoing enhancements to maintain operational efficiency and an excellent client experience.
- Ensure all home lending processes and systems are compliant with federal and state regulations.
- Provide pipeline support to origination and operations team members managing queues, workload and providing back-up support.
- Manage and support a team of origination and operations personnel.
- Maintain strong working relationships with compliance and legal teams to ensure timely updates to operations in response to regulatory changes.
- Assist with audits and licensing in alignment with industry standards.
- Design and deliver comprehensive training programs for the home lending unit.
- Implement training, reference material, policy and procedure to support the launch of new states and product offerings.
- Identify opportunities for process improvements and implement technology-driven solutions to enhance efficiency.
- Participates in and leads proactive team efforts to achieve departmental and company goals.
- Adopts Company values in work behaviors, decision making, contributions and interpersonal interactions.
- Contributes to a positive work environment by demonstrating cultural expectations and influencing others to reward performance, accountability, diversity and inclusion, flexibility, continuous development, collaboration, creativity and fun.
Expertise
- Customer-focused, business-centric, and team-oriented mindset; relentlessly passionate about finding and completing valuable work.
- Strong working knowledge of state-specific licensing and registration requirements and use of the NMLS. Strong working knowledge of Federal and state regulations including TRID and HMDA.
- Involvement in regulatory and loan file audits.
- Deep understanding of mortgage loan products, underwriting guidelines and state requirements.
- Self-driven with the ability to work independently and collaboratively.
- Excellent organizational skills, able to set and meet deadlines in a high paced environment.
- Demonstrated ability to communicate effectively and influence positive outcomes at all levels of an organization.
- Intellectually curious and interested in applying technology to enhance business processes.
- Strong analytical and problem-solving skills with the ability to identify opportunities for operational improvement.
- Proficiency in project management and familiarity with technology platforms commonly used in home lending operations.
- Excellent communication skills focusing on both internal and external communications.
- Openness to adapting to industry changes.
Requirements
- Minimum 7 years of retail mortgage lending experience
- Minimum 4 years experience in leadership roles
- Strong knowledge of Conventional Conforming and Jumbo guidelines
- Solid understanding of state and federal lending regulations
- Familiarity with digital lending platforms and automation tools
- Proven expertise in system configuration, particularly with Loan Origination Systems (LOS) and related platforms
Estimated annual salary range: $130,000 – $145,000 USD plus equity and a discretionary bonus.
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