What are the responsibilities and job description for the Director of Lending (Finance, Compliance & Policy) position at AlphaX RE Capital?
Position: Director of Lending (Finance, Compliance & Policy)
Work Type: Full Time
Location: Arizona (Onsite)
Responsibilities
Reports to: Vice-President of Finance
Works closely with: Director of Lending Infrastructure
Lending Policy & Compliance Framework
- Establish lending policies, underwriting standards, and credit guidelines for the wholesale loan purchasing program
- Develop and document standard operating procedures for loan review, approval, and portfolio management
- Ensure compliance with California regulations for wholesale lending through the broker channel
- Create loan file review protocols and quality control processes
- Develop portfolio monitoring and servicing procedures
State Licensing Strategy & Preparation
- Lead strategy for state-by-state lending license applications (targeting 2027 launch)
- Research and document licensing requirements for target states
- Prepare license applications, compliance manuals, and regulatory filings
- Establish state-specific compliance frameworks in preparation for direct lending
- Coordinate with legal counsel on licensing matters
Qualifications
Experience
- 5 years in mortgage lending, consumer lending, underwriting, credit policy, or lending operations.
- Strong background in wholesale lending or broker-driven lending channels.
- Hands-on experience with state lending licensing; NMLS experience strongly preferred.
- Deep knowledge of California lending regulations and multi-state compliance requirements.
Skills & Competencies
- Expertise in lending policy creation, underwriting standards, and credit risk management.
- Skilled in building SOPs, QC processes, and scalable operational frameworks.
- Strong analytical, documentation, and process design abilities.
- Effective communicator who can work cross-functionally with leadership, legal, and compliance teams.
- Strategic thinker with the ability to lead long-term regulatory initiatives.
Company Website
https://www.alphax-capital.com