Retail Mortgage Lending Operations Manager

Description

About CBC Mortgage Agency 

Voted as one of the top 20 places to work in Utah, and winner of Best Communication in the State of Utah. CBC Mortgage Agency (CBCMA) has established a record of success and growth and is looking for individuals and professionals who want to take their careers to the next level in a comfortable workplace with an environment that encourages networking and team socializing. In addition to great perks, the position offers competitive wages as well as an excellent benefits package, including medical, dental, vision, and life insurance coverages, short and long-term disability, 401(k)-plan retirement investment, and more benefit programs. In addition to these great benefits, we offer 11 paid holidays and paid time off (PTO). If this is the opportunity that you’ve been waiting for, apply today!

ABOUT CEDAR BAND CORPORATION (The Parent Company) 

We are a federally chartered tribal corporation wholly owned by the Cedar Band of Paiutes. Deeply rooted in our rich history, we provide industry-leading military and government contractor services, including construction management, technology, telecommunications, and staffing solutions, as well as mortgage industry, convenience store, and beverage distribution services to federal agencies and commercial industries. From our modest beginnings as a single IT company with one contract, we have grown to ten branded companies across the nation. Headquartered in Cedar City, Utah, with regional offices and project sites in South Jordan, UT; Las Vegas, NV; Yuma Proving Grounds (YPG), AZ; Portland Air Nation Guard (PANG), OR; and more locations, we employ over 100 employees, who are all committed to our vision to be an industry leader as a tribally owned business that provides world-class service. To attract and retain high-caliber employees, we offer competitive compensation, excellent benefits, and a dynamic work environment based on open communication and honesty.

Job Summary:

CBC Mortgage Agency is seeking an experienced, results-oriented Operations Manager to lead the day-to-day operations of our retail mortgage lending in the Salt Lake City metropolitan area. This leadership role is responsible for ensuring exceptional operational efficiency, regulatory compliance, superior customer service, and timely loan closings while supporting branch production goals. The Operations Manager partners closely with Leadership, Loan Officers, Underwriting, Processing, Closing, and Corporate Operations to deliver an outstanding borrower experience while maintaining high-quality loan production.

Job Location: Onsite @ South Jordan, UT office; Hybrid work option.

Compensation:  $120,000.00+ annual (DOE), Salary Exempt Status position.

Benefits: Fully eligible for medical, dental, vision, and other offered insurances; quarterly performance bonus, 401(k) with company match, Paid time off (PTO), and options for professional development.

Key Responsibilities:

• Manage all branch operational activities from loan application through funding.
• Lead and develop branch operations staff including processors, loan assistants, and closing personnel.
• Ensure all loans meet company, investor, agency, state, and federal compliance requirements.
• Monitor loan pipeline to identify bottlenecks and ensure timely closings.
• Establish and monitor operational performance metrics including turn times, pull-through ratios, customer satisfaction, quality control, and productivity.
• Work closely with Loan Officers and Sales Manager to improve workflow, communication, and customer experience.
• Maintain compliance with CFPB, RESPA, TILA, TRID, HMDA, ECOA, Fair Lending, and applicable agency guidelines.
• Participate in recruiting, hiring, coaching, training, and performance management.
• Conduct regular pipeline and production meetings.
• Implement operational improvements and best practices.
• Coordinate with Underwriting, and Compliance teams.
• Assist with branch budgeting, staffing, and expense management.
• Ensure branch readiness for audits and examinations.

Requirements

Required Qualifications

• 5+ years of mortgage banking operations experience.
• 3+ years in an operations leadership role.
• Thorough knowledge of residential mortgage lending.
• Knowledge of FNMA, FHLMC, FHA, VA, and USDA products.
• Knowledge of TRID, RESPA, HMDA, ECOA, Fair Lending, and CFPB regulations.
• Experience managing loan pipelines.
• Strong leadership, communication, and organizational skills.
• Experience with Encompass, Lending Pad and similar LOS.
• Proficiency with Microsoft Office.

Preferred Qualifications

• Bachelor's degree in Business, Finance, or related field.
• Retail mortgage banking experience.
• Multi-branch operations experience.
• Lean/Six Sigma experience (preferred).

Core Competencies

• Leadership
• Mortgage Operations
• Compliance
• Process Improvement
• Risk Management
• Customer Service
• Financial Acumen
• Project Management
• Conflict Resolution
• Strategic Planning

Work Environment

This job operates in a professional office environment. The role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
 

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sit for long periods of time; talk and listen; occasionally stand and walk; use hands and fingers, as well as reach with hands and arms; lift up to 35 pounds; and other physical duties associated with the job.
 

Position Type/Expected Hours of Work

This is a full-time position; the hours of work and days are Monday through Friday during regular business hours, 8:00 am to 5:00 pm. Some weekend work may be required according to business operations and projects.
 

Travel and Supervision

Some travel is expected for this position, estimated to be 10%. This position will have supervisory responsibilities in the Retail Mortgage Lending division of the Company. Specifics to be determined by Senior Leadership.

Work Authorization/Security Clearance

Must be authorized to legally work within the United States of America.
 

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.