SVP – Consumer Direct

Luminate Bank

. Develop and execute the long-term vision and growth strategy for the Consumer Direct Division .

Posted 9/28/2026full-timeRemote • Minnesota • United StatesLeadWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates extensive leadership in mortgage banking with a focus on driving revenue growth, operational efficiency, and compliance. Capable of developing strategic plans, managing high-performing teams, and enhancing customer satisfaction throughout the mortgage process.

Highest-signal resume keywords

Mortgage Banking LeadershipRevenue Growth StrategyOperational Efficiency ImprovementMortgage Compliance ExpertiseTeam Development and Mentorship

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

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

Hard Skills

Mortgage Production ManagementFinancial AnalysisStrategic PlanningPerformance Metrics EstablishmentBudget DevelopmentCapacity PlanningProcess ImprovementLoan OriginationCustomer AcquisitionPipeline Monitoring

Soft Skills

Leadership PresenceInfluencing and Motivating TeamsCollaborationCoaching and MentorshipAccountability Culture Building

Tools & Technologies

Mortgage TechnologyLOS PlatformsCRM SystemsPerformance Analytics

Industry Keywords

Consumer Direct SalesRegulatory ComplianceAgency and Government MortgagesJumbo and Non-QM ProductsCustomer Satisfaction Metrics

About the role

Key responsibilities & impact

Develop and execute the long-term vision and growth strategy for the Consumer Direct Division
Establish annual production, revenue, profitability, and market share objectives
Identify opportunities to expand product offerings, customer acquisition channels, and operational capabilities
Collaborate with executive leadership to align divisional goals with organizational objectives
Lead and inspire high-performing Consumer Direct sales teams nationwide
Drive loan origination volume, pull-through, profitability, and customer acquisition
Establish performance metrics, KPIs, compensation strategies, and accountability measures
Monitor pipeline health, conversion ratios, funded volume, and sales productivity
Partner with marketing and lead generation teams to maximize lead flow and conversion performance
Oversee division-wide operational performance, scalability, and efficiency
Partner with fulfillment, processing, underwriting, closing, and post-closing teams to improve cycle times and customer satisfaction
Implement process improvements and automation initiatives to enhance productivity and reduce costs
Ensure consistent execution of best practices throughout the loan lifecycle
Maintain responsibility for divisional P&L performance
Develop budgets, forecasts, staffing models, and capacity planning strategies
Analyze production trends, margins, expenses, and profitability metrics
Present regular business performance updates to executive leadership
Recruit, develop, and retain mortgage professionals and leadership talent
Build a culture of accountability, performance, collaboration, and customer service
Provide coaching and mentorship to sales managers, operational leaders, and emerging talent
Lead succession planning and organizational development initiatives
Ensure adherence to federal, state, agency, investor, and company requirements
Promote responsible lending and regulatory compliance
Partner with Compliance, Quality Control, and Risk Management teams to identify and mitigate operational risk
Drive continuous improvement in quality, audit performance, and customer outcomes
Champion a best-in-class borrower experience throughout the mortgage process
Monitor customer satisfaction, retention, and reputation metrics
Evaluate and implement technology solutions that improve borrower engagement and ease of doing business

Requirements

What you’ll need

10+ years of progressive leadership experience in mortgage banking
Significant experience leading a Consumer Direct, Call Center, Inside Sales, or Digital Mortgage platform
Demonstrated success managing large-scale mortgage production teams and multi-level leadership structures
Proven track record of driving revenue growth while improving operational efficiency and profitability
Strong understanding of agency, government, conventional, jumbo, and non-QM mortgage products
Deep knowledge of mortgage compliance, regulatory requirements, and industry best practices
Exceptional analytical, financial, and strategic planning skills
Strong leadership presence with the ability to influence and motivate teams at all levels
Experience utilizing mortgage technology, LOS platforms, CRM systems, and performance analytics
Bachelor's degree in Business, Finance, Management, or related field preferred

Benefits

Comp & perks

Competitive executive compensation package
Performance-based incentive opportunities
Medical, dental, and vision insurance
HSA and FSA plans
401(k) with company match
Life and AD&D insurance
Flexible PTO program
Professional development and leadership opportunities