Chief Operating Officer

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 U