Divisional Operations Manager - Retail

Cardinal Financial Consulting

Manage operational pipelines for division branches and processing units at Cardinal Financial. Collaborate on efficiency and compliance with quality standards across teams.

Posted 7/28/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in loan processing management, quality control, and performance improvement within the mortgage industry. Proficient in utilizing tools like Octane and MS Excel to analyze data and enhance operational efficiency.

Highest-signal resume keywords

Loan Processing ManagementQuality Control StandardsPerformance ImprovementFederal And State Guidelines KnowledgeCustomer Service Excellence

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Loan Application ReviewPerformance AnalysisData MonitoringPipeline ManagementIntermediate Excel Skills

Soft Skills

ProfessionalismCommunicationCoachingTeam LeadershipProblem Solving

Tools & Technologies

OctaneMS WindowsGoogle G-SuiteOutlook

Industry Keywords

RESPATILAHMDAMortgage Industry TerminologyService Level Agreement

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

Demonstrate working knowledge of federal and state guidelines, rules and regulations such as RESPA, TILA, HMDA, etc.
Ability to maintain a high level of professionalism, customer service, and communication with all parties involved in the loan cycle.
Proficient with Octane, and all other 3rd party settlement service provider functions as required to perform job duties.
Strong PC Skills.
Must be proficient in MS Windows, Excel, Google G-Suite and Outlook.
Intermediate Excel skills a plus.
Has knowledge of commonly used terminology, concepts and practices and procedures within the mortgage industry.
Ability to meet time deadlines while working under pressure.
Ability to effectively handle simultaneous tasks and projects in a fast paced environment.
Able to effectively and efficiently work independently or as a member of a team.
Ability to effectively analyze loan account related problems and define solutions.

Benefits

Comp & perks

Great compensation package
Opportunity for career growth
A commitment to be a relevant market leader - we are aiming for the top!
Octane, our engineered proprietary technology that is transforming the mortgage industry
An empowered culture where your ideas are important and your voice matters
Full Benefits, beginning the first day of the month following your start date, including – Medical, Dental, Vision, Life, Disability Insurance, and much more
Generous paid time off package that also includes all major holidays
401(k) w/ 50% match up to a maximum employee contribution of 5% - Beginning the 1st of the month following 30 days of employment