Mortgage Operations Manager

Cornerstone-First-Mortgage; Miami (FL); On-site; USD 135,000 - 165,000; Full time

Job summary

Cornerstone First Mortgage is seeking a Director of Mortgage Operations in its Miami branch. You will own the end-to-end loan process from application through closing, coordinating processing, underwriting, closing, and compliance while building a high-performance operations team.

The role emphasizes establishing scalable workflows, turn-time improvements, and cross-functional partnerships with underwriting, funding, and corporate compliance to sustain growth beyond current monthly volumes.

Qualifications

• 7+ years in mortgage operations with leadership in a large retail lender.
• Hands-on processing and underwriting knowledge to guide the team.
• Strong knowledge of Conventional, FHA, VA, Non-QM guidelines; DSCR experience a plus.

Responsibilities

• Oversee loan lifecycle from application to funding, including processing and closing.
• Lead the operations team and collaborate with underwriting, closing, and compliance.
• Design workflows and SOPs to run the branch on systems rather than memory.
• Improve turn times and reporting, including daily pipeline reviews and weekly scorecards.

Skills

Bilingual English/Spanish

Mortgage operations leadership

Processing/Underwriting

DSCR/foreign national experience

Encompass/LOS experience

Salesforce CRM

Tools

Encompass

Salesforce

Job description

Mortgage Operations Manager

Cornerstone First Mortgage Miami, Florida, United States

About this position

We are looking for a bilingual candidate who speaks English and Spanish

The opportunity

Cornerstone First Mortgage's Miami branch is one of the top-producing branches in the company, and we are building the operations leadership to match. We are looking for a Director of Mortgage Operations to own everything that happens from completed application to closing: processing, underwriting coordination, closing, compliance, and the team that does that work. Our loan officers originate and take applications, and our processors process the loans. You make sure every loan they bring in funds on time, clean, and with a borrower and a realtor who want to send us the next one.

If you have led branch operations at a large retail lender and you are ready to build a department rather than maintain one, we would love to talk.

About the branch

We are a bilingual, builder-focused branch in Miami that closes $20–30MM a month today and is on a clear path to $40MM. We are a preferred lender for builders like Lennar, Pulte, and others across Miami-Dade, Broward, Orlando, and Mid Florida, and we work with a deep network of realtors who trust us with their clients. We lend across the full product set: Conventional, FHA, VA, Non-QM, DSCR, foreign national, and new construction. The culture is simple, and we protect it: we show up, we do what we say, and we treat our teammates and partners like family.

Why this seat matters

We are growing, and we want an operations leader who grows with us and shapes how the branch runs. You will have real authority to design the operation: the workflows, the team structure, the reporting, and the standards. You will lead the existing operations team, including our Operations Manager, and you will have the backing of a Branch Manager who wants you to make decisions, not wait for them.

We are looking for a bilingual candidate who speaks English and Spanish

Compensation:

$150,000 Plus Bonus

Responsibilities:

What you will own

• The loan lifecycle from completed application to funding: setup, processing, underwriting coordination, conditions, closing, and post-closing

• Turn times that realtors and builders can plan around: a predictable clear-to-close calendar and a 24-hour pre-approval standard for the team

• The operations team: hiring, training, coaching, and developing the Operations Manager, processors, pre-approval specialists, and loan officer assistants

• Written workflows and SOPs for every handoff, so the branch runs on systems rather than memory and new hires are productive in their first two weeks

• Pipeline management: daily pipeline reviews, aging and lock reports, and a weekly operations scorecard to the Branch Manager

• Builder communications and reporting: you are the operations point of contact for our builder partners, owning pipeline status updates, weekly reports, and closing-date commitments

• Quality and compliance: file quality before submission, disclosure and TRID timing, investor overlays, and audit readiness

• The partnership with corporate underwriting, closing, secondary, and compliance so our files move smoothly and first

• Capacity planning so the branch can grow to $40MM a month and beyond

• Supporting loan officers with deal structure: helping the sales team structure complex files, choose the right program, and solve problems before a file reaches underwriting

Qualifications:

Who you are

• 7+ years in mortgage operations, including 3+ years leading branch operations at a large retail lender

• Hands-on processing and underwriting background: you can read a file, see the issue, and guide the team to the fix before underwriting asks

• Strong command of Conventional, FHA, VA, and Non-QM guidelines; DSCR and foreign national experience is a plus

• Comfortable in Encompass or a similar LOS and in Salesforce or a comparable CRM

• A builder of systems: you have written SOPs, built scorecards, and improved turn times at a previous branch

• A leader people want to work for: calm under pressure, clear about expectations, generous with coaching

• Bilingual in English and Spanish is a strong plus; our partners and clients are

• You enjoy working alongside loan officers and see the sales team as the customers of operations

About Company

Cornerstone First Mortgage is a full-service mortgage bank headquartered in San Diego, licensed in 49 states and Puerto Rico. All aspects of the loan process (processing, underwriting, and funding) are conducted in-house. We have grown exponentially over the past few years and are always looking for driven and motivated individuals to join our team.

www.cfmtg.com