Cardinal Financial Consulting

Mortgage Loan Originator

• Analyze borrower credit, capacity, and collateral, and structure loan solutions
• Educate borrowers on products, pricing, and loan options
• Convert inbound and outbound opportunities into funded loans
• Ensure accuracy and compliance across all loan documentation
• Collaborate with the operations teams to move loans efficiently
• Deliver a high-touch borrower experience throughout the process

Manager

• Lead and manage a high-performing retail origination team
• Recruit, hire, and develop Loan Originators and support staff
• Drive production, performance metrics, and customer experience
• Oversee compliance, pricing adherence, and operational execution
• Handle escalations and collaborate with senior leadership
• Manage branch financials and expenses
• Continue personal production alongside leadership responsibilities
• Contribute to evolving the retail business model

Producing Branch Manager, Retail

Loan Assistant

• Reviews loan application, supporting documentation, and credit authorization.
• Keeps current understanding of all loan program guidelines, pricing, policies and procedures.
• Documents all client conversations in loan origination software with timely follow up in CRM.
• Provides daily/weekly status of files in progress to Loan Originator/Production Team or Leadership as well as the Client.
• Communicates status updates and appropriately escalate issues and opportunities to meet the needs of clients and homeowners.
• Assists clients with the utilization of the Origination system (Octane).
• Collect and submit/file vendor validations from borrowers.
• Maintains a positive working relationship with internal departments and external contacts.
• Processes borrower documents in an accurate and timely manner following proper internal protocol and procedures.
• Performs specific tasks assigned by Loan Originator or Production Leader.
• Communicates and partners closely with Operations to ensure a smooth and accurate loan process.
• Schedules new leads and appointments and calls with clients as needed.
• Responds to client’s questions and concerns in a timely manner in accordance with team/department SLA expectations.
• Performs a variety of research and administrative duties in support of the Loan Originator/Production Team.
• Ensures loan Turn Time requirements are achieved.

Loan Originator Assistant

• Analyze borrower financials, credit, and property data to structure winning deals
• Guide clients through loan options, terms, and strategy
• Build and maintain your own referral network (Realtors, builders, financial advisors, etc.)
• Generate business through prospecting, meetings, and in-person relationship building
• Manage the loan process from application through closing with precision
• Partner with operations teams to deliver a seamless borrower experience
• Maintain compliance, licensing, and documentation accuracy

Mortgage Loan Originator, Retail

Transaction Coordinator

• Represents the organization to internal and external customers, vendors, members of state and regional government entities and other organizations well by providing exceptional customer service and effective communication skills, both in writing and orally.
• Ensures daily, weekly, and monthly internally specified requirements surrounding successful new file welcome contacts, closings, fundings, and customer satisfaction ratings are met.
• Works as a team with sales, transaction assistants, underwriting, closing, funding, and management to ensure assigned loans are being processed with timeliness, attention to detail, accuracy, and within compliance of corporate policies, agency, and all state and federal laws.
• Finds solutions to challenging scenarios or loan conditions with the ability to find creative and acceptable solutions for restructuring loans in addition to explaining underwriting conditions to borrowers and loan originators alike.
• Addresses, resolves, and responds to any consumer concerns related to the processing of the loan and consumer experience as it relates to the underwriting approval and surrounding requirements, all while providing exceptional customer service.
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, and demonstrating a commitment to professional ethics.
• Processes documents in an accurate and timely manner to ensure proper audit procedures are followed.
• Develops effective professional partnerships with all colleagues.
• Assists Transaction Assistants with questions relating to third party documentation requirements and general mortgage and processing concepts.

General

• Delivers loan file inventory to investors based on document bundles and stack delivery requirements.
• Delivers loan files for all Quality Control and State Audits based on specific stack delivery requirements.
• Manages the processing of compliance review fees associated with specific DPA programs and housing entities, ensuring accurate and timely handling.
• Actively manages and follows up on delivery completion with investors.
• Manages the end-to-end detitling process for manufactured homes on Construction and Exception loans, including borrower outreach, coordination with settlement agents, and direct communication with state titling authorities.
• MSR Sale due diligence stack and delivery.
• Completes new investor training, including DPA or HFA partners.
• Documents imaging into system of record for any missing items required for the loan stack or additional checklists.
• Reviews and interprets agency and investor requirements to confirm applicable overlays; validate loan file compliance.
• Completes MERS initial registration and transfers in compliance with warehouse, investor, and servicer requirements.
• Evaluates and provides input on process and workflow enhancements, procedure updates, and evolving task requirements to drive accuracy and operational efficiency.
• Oversees any additional projects or tasks as required.

Post Funding Specialist II

Project Manager

• The Construction & Renovation Project Coordinator manages both the pre- and post-funding stages of residential construction and renovation loans.
• Monitor, assist, and control the draw/disbursement process from closing through project completion.
• Act as the primary point of contact for borrowers, contractors, and builders.
• Guide all parties through each milestone, coordinating inspections, document collection, and change-order reviews.
• Facilitate the ordering, retrieving, and reviewing of construction and credit documents before underwriter review.
• Troubleshoot issues and continuously improve processes.
• Serve as primary liaison for stakeholders; provide timely, professional updates and education throughout the loan and construction lifecycle.
• Collect, validate, and upload third-party and underwriting documents; maintain accurate data in the system of record.
• Monitor and control pre- and post-funding draw processes; coordinate fund releases with Accounts Payable and title partners.
• Identify and resolve loan conditions or project issues; communicate underwriting requirements clearly to borrowers and loan originators.
• Prioritize and manage multiple files to meet service-level targets.
• Partner with Sales, Transaction Assistants, Underwriters, Closers, Funders, Accounting, Post-Funding, and Servicing; mentor peers.

Construction & Renovation Project Coordinator

Operations

• Establishes production and quality control standards, holding both Sales and Ops teams to a performance service level agreement (SLA) and routine audits.
• Monitors and rebalances processing pipelines, workloads and volume levels for balance and efficiency, and presents processing capacity plan to ensure quality, branch production goals/KPT’s/locks and service levels are being met consistently.
• Identifies Operations staff not meeting performance standards and partners with Branch Manager to coach, develop, and overall improve processing performance, executing an action plan to improve LOA/TA/TC’s performance based off quality and efficiency results.
• Reviews/audits incoming loan applications prior to submission to the processing and underwriting team for completeness and borrower engagement.
• Monitors and advises Sales Team of locks that are expiring and/or assist with clearing lock mismatches; resolves or escalates file level issues if needed.
• Reviews UW and Closing Doc rush request and escalates to Executive Support, Underwriting Manager/s, Closing Managers and EVP’s.
• Takes an active role in forecasting and exceeding branch projections.
• Monitor and track monthly funding projections for each branch.
• Reviews Octane reports, monitoring daily, weekly and monthly production reports, effectively communicating status to all departments.
• Addresses, resolves and swiftly responds to any consumer concerns related to the loan approval and processing phase or consumer experience as requested.
• Manages loan pipeline to ensure there are no aged loan files and the loans are meeting all deadlines and overall service and quality expectations.
• Conducts weekly and monthly pipeline meetings with Branch Manager to review production status and policy updates.
• Oversees time cards, commissions and discretionary bonus requests, lead sources changes and other HR issues for direct and indirect reports, including Sales, Ops and Marketing.
• Assists in the recruiting process; interviewing, onboarding and hiring and training all team members and performance management duties of the transaction management team.
• Escalates to the Executive Team and SVP’s if any operational staff performance or training issues are noticed.
• Communicate training needs as needed to the management team.
• Effectively administers performance reviews, corrective action, coaching for Operations staff.
• Leads team and individual employee meetings in an effective and professional manner.
• Oversees planning, implementation, hiring and recruiting of division marketing team, providing coaching and direction for new sales campaigns, and marketing strategy and growth.
• Other duties may be assigned.

Divisional Operations Manager - Retail

• Lead the identification, evaluation, onboarding, and expansion of regional and national builder partners to drive sustained mortgage production growth, including independent prioritization of opportunities based on revenue potential, strategic alignment, and market conditions
• Develop and execute territory and go-to-market strategies across assigned markets (including North Carolina, South Carolina, and Virginia) through market analysis, competitive intelligence, and assessment of builder volume trends
• Negotiate, structure, and manage strategic builder partnerships, including service levels, product mix, performance commitments, and partnership terms; serve as the primary relationship owner for assigned accounts
• Analyze builder performance metrics, pipeline data, and financial results to forecast revenue contribution, evaluate return on investment, and recommend continuation, expansion, restructuring, or termination of partnerships
• Provide strategic recommendations to senior leadership regarding market positioning, product or service enhancements, and builder engagement strategies based on competitive insights and field intelligence
• Collaborate cross-functionally with sales, operations, marketing, and leadership to design and implement builder-specific programs, processes, workflows, and engagement initiatives that support scalable growth
• Serve as a subject matter expert on builder lending programs and provide strategic guidance and best practices to Builder Account Managers to enhance partner performance and satisfaction
• Prepare and present territory plans, business development strategies, financial forecasts, performance analyses, and executive-level recommendations
• Maintain accurate and compliant documentation of strategic activities, partnership decisions, pipeline tracking, financial projections, and performance reporting within CRM and reporting systems
• Represent Cardinal Financial as a brand ambassador by promoting the company’s mission, values, and ethical standards, including travel to builder sites, offices, and industry events as needed
• Perform other related duties as assigned.

Builder Development Manager

Loan Processor

Loan Processor, Transaction Coordinator

Account Executive

• Prospect and build a pipeline of broker partners
• Execute outbound sales through phone, email, and marketing
• Manage pipeline and performance metrics
• Support brokers with product knowledge, process, and technology
• Deliver virtual presentations on Cardinal's platform and value proposition
• Collaborate with operations teams to ensure execution excellence
• Maintain CRM activity and data accuracy
• Provide world-class follow-up and relationship management

National Account Executive

• Build and expand a broker client base within your territory
• Develop and execute strategic sales plans to grow production
• Manage pipeline, performance metrics, and account activity
• Drive wallet share and market share across your accounts
• Deliver training on products, process, and the Octane platform
• Conduct in-person sales visits, presentations, and relationship-building activities
• Provide market intelligence and act as a trusted advisor to broker partners
• Collaborate with operations to ensure execution excellence