首席运营官
Chief Operating Officer
职位名称：首席运营官 工作地点：远程（优先在办公室 - 爱达荷州梅里迪安） 向：首席执行官汇报 直属下属：承销副总裁、运营经理 雇佣类型：全职 范围：负责生产运营的全流程（发起、承销、完成），并为服务策略提供咨询意见。服务和二级/资本市场运营业务由各自职能负责
我们是谁 以零售为主的独立抵押贷款银行（IMB），年业务量超过20亿美元，服务组合持续增长（约4亿美元未偿本金），拥有全部代理机构（房利美、房地美、联邦住房管理局、退伍军人事务部）的批准资质。该组织设计为精简扁平结构——此次招聘将取代中层管理的多个层级，寻找一位高级运营人员，能够承担信用风险、管理团队并直接解决流程效率问题。
职位概述 这是一个真正的首席运营官级别的职责，其范围和权威性与副总裁运营角色不同。职责范围包括信用风险所有权、直接代理机构关系、系统/流程策略（包括人工智能实施）以及直接管理承销和运营领导层，这需要完整的高管级权威和责任。首席运营官将与首席执行官、高管团队和部门负责人密切合作，提高运营效率，改善服务质量，并推动增长。
主要职责
- 负责信用风险政策和信用箱策略 —— 作为积极的政策负责人，制定、捍卫并发展信用箱策略。
- 管理承销副总裁和运营经理 —— 设定绩效目标，建立问责文化，并直接辅导和发展两位领导者。
- 负责代理机构关系和升级 —— 作为与房利美、房地美、联邦住房管理局和退伍军人事务部在叠加、质量检查发现和回购要求方面的直接联系人。
- 负责发起系统的策略和流程，包括人工智能实施路线图 —— 制定策略和优先事项，根据供应商或系统人才进行技术执行。
- 从生产角度提供服务策略建议 —— 提供战略输入，说明信用箱和产品组合决策如何影响抵押贷款服务权价值和保留率，保持生产运作为核心重点。
- 保持亲力亲为的后备能力 —— 当直属下属需要支持时，亲自处理卡住的文件或故障流程，体现亲力亲为的领导风格。
所需资格条件 - 优先顺序
- 深厚的信用风险专业知识（最高优先级）
- 有个人...
查看英文原文
Job Title: Chief Operating Officer Location: Remote (in-office preferred - Meridian, ID) Reports to: Chief Executive Officer Direct Reports: VP of Underwriting, Operations Manager Employment Type: Full-Time Scope: Owns production operations end-to-end (origination, underwriting, fulfillment) and provides advisory input into servicing strategy. Servicing and secondary/capital markets operations are owned by their respective functions
Who We Are Retail-focused independent mortgage bank (IMB) originating $2B+ in annual volume, with a growing servicing portfolio (~$400M UPB) and an all-agency (Fannie Mae, Freddie Mac, FHA, VA) approval footprint. The organization runs lean and flat by design — this hire replaces layers of middle management with one senior operator who can own credit risk, run people, and fix throughput directly.
Role Summary This is a true COO-level mandate, distinct in scope and authority from a VP Operations role. The scope — credit risk ownership, direct agency relationships, systems/process strategy including AI implementation, and direct management of underwriting and operations leadership — calls for full executive-level authority and accountability. The COO will work closely with the CEO, executive team, and department heads to enhance operational efficiency, improve service quality, and drive growth.
Key Responsibilities
- Own credit risk policy and credit box strategy — author, defend, and evolve the credit box as an active policy owner.
- Manage the VP of Underwriting and Operations Manager — set performance targets, build a culture of accountability, and coach and develop both leaders directly.
- Own agency relationships and escalations — serve as the direct point of contact with Fannie Mae, Freddie Mac, FHA, and VA on overlays, QC findings, and repurchase demands.
- Own systems and process strategy for origination, including the AI implementation roadmap — set the strategy and priorities, drawing on vendors or a systems hire for technical execution.
- Advise on servicing strategy from the production side — provide strategic input on how credit box and product-mix decisions affect MSR value and retention, keeping production operations as the core focus.
- Retain hands-on fallback capability — step in personally to work a stuck file or a broken workflow when direct reports need support, reflecting a hands-on leadership style.
Required Qualifications - Priority Order
- Deep credit risk expertise (highest priority)
- Has personally authored and defended credit box and credit policy design as a true policy owner, taking ownership of authorship rather than enforcement alone.
- Has personally negotiated with agencies on overlay treatment, QC escalations, or repurchase demands, leading these conversations directly rather than delegating them.
- Understands how credit decisions flow through to servicing and MSR performance.
- Strong people management
- Has directly managed underwriting and operations leaders in a flat, accountability-heavy culture, maintaining a direct span of control rather than managing through layers of middle management.
- Sets clear targets, holds people to them, and coaches and develops direct reports.
- Steps in personally to work a file or a process when needed, balancing hands-on involvement with team autonomy so the team keeps moving rather than becoming dependent.
- Deep agency knowledge
- Fluent in Fannie Mae DU, Freddie Mac LPA overlays, FHA TOTAL Scorecard, and VA automated underwriting.
- Understands how overlays get built into underwriting policy through direct, practical application, going beyond theoretical or classroom knowledge.
- Retail fulfillment and throughput background
- Has personally owned pull-through rate, cycle time, and underwriter capacity planning as direct, individual KPIs, with hands-on accountability rather than secondhand oversight.
- Built this experience at a $1.5B–$5B retail-focused IMB, in an environment distinct from depository banking or correspondent-heavy lending models.
- Compliance and audit experience
- Experience serving as a key point of contact through Fannie Mae and Freddie Mac audits, from information requests through findings and remediation.
- Experience with Ginnie Mae oversight and audits, including the reporting and compliance expectations tied to Ginnie Mae issuer status.
- Extensive experience with compliance oversight more broadly, with a track record of building and maintaining a strong compliance posture across origination operations.
Preferred Qualifications (Additive Strengths)
- AI/automation implementation experience in origination — a strong plus, and equally well covered through a systems hire or vendor partnership.
- Direct servicing operations experience — a valuable complement to the advisory and strategic input this role provides on servicing, though the core requirements stand on their own.
- Working knowledge of employment law and/or contract law — useful for navigating people-management decisions, vendor and agency agreements, and other contractual matters that intersect with this role.
- Familiarity with ESOP (Employee Stock Ownership Plan) structures — helpful given the potential for equity or profit-interest arrangements tied to this role and the broader organization.
- CFPB audit experience — a strong plus given the regulatory scrutiny facing IMBs, and complementary to the agency and compliance audit experience above.
- Broad product knowledge acumen — depth across conventional, government, and non-QM product types strengthens credit box strategy and supports informed conversations on product mix.
PMR Core Values No matter your position or department, your primary responsibility at PMR is to embody our core values — Vision, Hustle, Grit, and Execute — in everything you do.
- Vision – Innovate / Cultivate: Leads with foresight and creativity, fostering innovation in loan programs, production processes, and team development. Encourages collaboration and continuous improvement that shapes PMR's future.
- Hustle – Speed / Excel: Embraces a sense of urgency and a results-driven mindset. Drives the team to move quickly, seize opportunities, and deliver outstanding service to clients and partners.
- Grit – Strength / Courage: Perseveres through challenges with resilience and determination. Leads with courage during change and sets the tone for consistent, principled performance.
- Execute – Implement / Achieve: Translates strategic goals into tangible outcomes. Holds the team accountable for precision, timeliness, and excellence in every stage of production.
Originally posted on Himalayas