Mortgage Broker Operations Manager

AlphaX RE Capital; Cupertino (CA); Hybrid; USD 180,000 - 260,000; Full time

Benefits offered by this job

Competitive compensation

Collaborative team culture

Long-term growth opportunities

Job summary

A leading mortgage company is seeking a Mortgage Broker Operations Manager in Cupertino, CA. This role combines operational management and sales, focusing on optimizing the brokerage's infrastructure while also originating personal loans. The ideal candidate has significant experience in the mortgage industry and strong communication and leadership skills. The position offers a competitive compensation package with opportunities for growth in a collaborative environment.

Qualifications

• 5–7 years of mortgage industry experience with 3 years in management.
• Proven understanding of broker workflows and wholesale lending.
• Ability to work effectively in a fast-paced environment.
• Excellent organizational, analytical, and leadership skills.
• Strong communication and collaboration with processors and lenders.

Responsibilities

• Oversee end-to-end mortgage operations and manage loan files.
• Originate residential mortgage loans and manage client relationships.
• Ensure compliance with federal and state guidelines.
• Maintain LOS, document management, and reporting dashboards; establish SOPs for scalability.
• Lead and develop a team of processors to ensure timely closings.
• Ensure compliance with federal, state, investor guidelines, and audits.

Skills

Mortgage industry experience

Leadership capabilities

Analytical skills

Communication skills

Analytical skills

MS Office

Tools

Loan Origination Systems

Document management systems

MS Office

Job description

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

Key Responsibilities

Operations Management & Market Strategy (≈50%)

• 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

Loan Origination & Production (≈40%)

• 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.

Compliance & Systems (≈10%)

• 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

Qualifications & Requirements

• 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

What We Offer

• 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