Director of Operations, Underwriting and Processing

Director of Operations, Underwriting & Processing

Mortgage Vintage, Inc. – Newport Beach, CA (Onsite)

Full-Time · $150,000 annual salary Commissions

About the Role

Mortgage Vintage, Inc. (MVI) — a leading private money lender and home of CrowdTrustDeed — is seeking a highly skilled Director of Operations, Underwriting & Processing to oversee our loan pipeline, credit decisioning, compliance, and team operations. This role is central to ensuring efficient loan workflow, high-quality underwriting, and smooth, timely loan sales and closings for business-purpose private money loans.

You will manage loan processing and underwriting from intake to post-closing, lead operations for the Newport Beach headquarters, manage loan sales through CrowdTrustDeed.com and work directly with executive leadership, investors, and brokers.

What You’ll Do

Operational Leadership

• Lead daily loan pipeline, processing workflow, and underwriting standards.
• Respect specified Loan Conditions, improve automation, and manage system workflows in Zoho CRM.
• Train, supervise, and support processors and operations staff.
• Maintain Key Performance Indicators (KPI’s) and operations reporting for management.

Loan Processing & File Management

• Oversee communication with borrowers, brokers, escrow, and title.
• Work with Contract Processor to collect and review borrower/entity docs, property data, disclosures, and third-party reports.
• Work with Contract Processor to Order and track escrow, title, insurance, valuations, tax reports, and required forms.
• Maintain accurate, compliant, and audit-ready loan files.

Underwriting & Credit Analysis

• Underwrite bridge, business purpose cash-out, fix and rent, fix-and-flip, construction, ADU and cash-out loans.
• Analyze borrower credit, background, experience, and bank statements.
• Review appraisals/BPOs, comps, valuations, and title for accuracy and red flags.
• Work with Team to set
•  loan terms, structure, CLTV, conditions, and funding requirements.

Closing, Docs & Funding Oversight

• Conduct full pre-closing audits of accuracy, vesting, compliance, and conditions.
• Review trust deeds, notes, escrow instructions, and loan docs.
• Approve Loan Funding Requests and investor/IRA funding confirmations.
• Track post-closing items including recordings and final title policies.

Construction & Funds Control

• Review construction budgets, feasibility reports, and fund-control documentation.
• Approve draw requests, inspections, and budget tracking.

Compliance & Reporting

• Maintain Zoho CRM data accuracy, notes, and loan stage tracking.
• Manage DRE, NMLS, HMDA, and internal loan activity reporting.
• Ensure underwriting files remain fully compliant and audit-ready.

Broker, Vendor & Investor Coordination

• Validate broker licensing, agreements, and compliance documentation.
• Approve invoices for credit/background checks and vendor billing.
• Support CrowdTrustDeed postings with underwriting and risk commentary.

What We’re Looking For

• 4–7 years in private money lending, underwriting, processing, or loan operations.
• Strong understanding of CA DRE/DFPI compliance and private money guidelines.
• Expertise in valuations, title review, credit analysis, and construction budgets.
• Highly organized, detail-driven, and capable of managing a fast-paced pipeline.
• Proficiency in Zoho CRM, and ZohoOne, LOS systems, Excel, Outlook, Dropbox, Office365, Acrobat.
• Bachelor’s degree preferred; DRE or NMLS license a plus.

Compensation & Details

• $150,000 annual salary Commissions
• Full-time onsite role (4 days/week at the Newport Beach headquarters)
• Opportunity to work directly with executive leadership in a high-impact role.

How to Apply

Apply directly through LinkedIn or send your resume to info@mortgagevintage.com with subject line:

“Director of Operations, Underwriting & Processing Application – [Your Name]”