Director of Home Lending

Position Overview

• Location Type:
• Job Type: Full-time
• Salary: $130,000 - $145,000 USD annually (plus equity and a discretionary bonus)

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.
• Participate in and lead proactive team efforts to achieve departmental and company goals.
• Adopt Company values in work behaviors, decision making, contributions, and interpersonal interactions.
• Contribute 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 of 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.

Benefits

• Medical, vision, and dental insurance.
• 401K plan.
• Generous time off.
• Parental leave.
• Wellness reimbursement.