AVP Consumer Loan Operations Manager

About the Role

Flatirons Bank is seeking driven, reliable, hardworking candidates from all backgrounds to join our team. We want employees who are proactive, resourceful, communicative, efficient, and eager to provide key input into the future success of our team. If your goal is to build a career with impact and influence, consider joining the dedicated team at Flatirons Bank.

Who We Are

Flatirons Bank is a full-service independent bank dedicated to serving the financial needs of individuals, businesses, and nonprofits in Boulder County. With locations in Boulder and Longmont, we provide a personalized banking experience, making all our decisions locally. Since our inception over two decades ago, our goal has been to bring more to banking in Boulder County. We take pride in developing personal relationships with our clients while maintaining the highest level of professional service.

Our suite of services includes Personal and Business Banking, Professional Services Banking, Treasury Management, Mortgage Lending, and Commercial Real Estate Lending solutions. Flatirons Bank employees also contribute to making a difference in the Boulder County community through various nonprofit organizations.

Flatirons Bank’s headquarters in Boulder was the first in the county to achieve LEED Gold certification upon its opening in 2009. The Bank actively works towards being a community leader that balances purpose with profit by considering the impact of its decisions on its stakeholders: employees, clients, vendors, community, and the environment.

Responsibilities

• Consumer Lending Operations Leadership
  • Lead the day-to-day administration of the Bank’s bridge, portfolio mortgage, secondary-market mortgage, HELOC, and consumer construction lending activities.
  • Coordinate workflow across loan officers, processors, documentation staff, title companies, appraisers, insurance providers, settlement agents, and other internal and external partners.
  • Monitor production volume, service levels, staffing capacity, and operational risk; recommend staffing, workflow, and technology changes before capacity constraints affect clients or controls.
  • Serve as the primary escalation resource for complex processing, documentation, title, insurance, disclosure, closing, funding, and post-closing matters.
  • Provide direct production support and backup coverage during peak periods, vacations, absences, and staffing transitions.
  • Partner with the head of Loan Administration and Chief Credit Officer on strategy, staffing, product implementation, and continuous improvement.
• Team Leadership, Performance, and Succession Planning
  • Directly supervise, coach, and develop consumer lending administration staff, including establishing clear performance expectations and providing timely feedback.
  • Create and maintain cross-training plans, documented procedures, and reliable backup coverage across processing, documentation, closing, funding, and post-closing functions.
  • Identify skill gaps and provide or coordinate training that strengthens technical expertise, regulatory understanding, service quality, and professional growth.
  • Promote accountability, teamwork, thoughtful problem-solving, and a client-focused approach to administering consumer loans.
  • Lead succession planning for key positions, including the orderly transfer of institutional knowledge.
• Lending Compliance and Regulatory Implementation
  • Serve as the Bank’s primary operational subject-matter resource for consumer lending laws and regulations applicable to the Bank’s products, including TRID, TILA/Regulation Z, RESPA/Regulation X, ECOA/Regulation B, HMDA, Flood, Fair Housing, FCRA, SCRA, HOEPA, E-Sign, SAFE Act, and related state requirements.
  • Support lending compliance requirements applicable to lending, including Flood, Regulation B, adverse action, and other requirements designated by the Chief Credit Officer or Compliance Officer.
  • Monitor regulatory developments affecting lending and coordinate timely implementation through policies, procedures, forms, system settings, checklists, training, and operational controls.
  • Provide practical regulatory guidance to lenders, loan administrators, and management on non-routine transactions and compliance questions.
  • Maintain consumer and lending compliance policies, procedures, and job aids in coordination with the Compliance Officer and Chief Credit Officer.
  • Support implementation and compliance administration for secondary-market and other mortgage programs used by the Bank.
  • Partner with the Bank’s Legal Counsel and the Marketing team to review consumer lending marketing materials and help ensure disclosures and promotional content comply with applicable laws, regulations, and Bank policies.
• Quality Control and Monitoring
  • Oversee pre-closing and post-closing quality-control processes for consumer loans, including Loan Estimate and Closing Disclosure review, timing, tolerances, changed circumstances, redisclosures, pricing, and program requirements.
  • Coordinate or perform targeted file reviews, exception tracking, and monitoring to identify errors, trends, and control weaknesses.
  • Develop and oversee corrective-action plans, follow-up testing, and staff training in response to identified exceptions, audit findings, complaints, or regulatory changes.
  • Oversee HMDA data quality, completeness, and timely reporting support; coordinate periodic validation and correction of reportable data.
  • Support SAFE Act and NMLS administration, mortgage loan originator registration, and mortgage compensation compliance as assigned.
  • Ensure lending compliance monitoring is appropriately documented and provide data, analysis, and reporting to the Compliance Officer, Compliance Committee, management, and the Board as requested.
• Construction Loan and Draw Administration
  • Develop and implement the long-term operating model for construction loan and draw administration within Loan Administration.
  • Establish consistent controls and procedures for budgets, borrower equity, inspections, lien searches, lien waivers, change orders, cost overruns, disbursements, and exception escalation.
  • Coordinate responsibilities among Loan Administration, Credit, Relationship Managers, borrowers, contractors, and third-party inspection providers.
  • Train and oversee employees assigned to perform construction draw administration and provide hands-on support for complex or higher-risk draws.
  • Monitor the construction portfolio and recommend staffing or process changes as volume and complexity grow.
• Systems Administration and Reporting
  • Serve as a primary or backup system administrator for lending-related platforms, including LaserPro, iCore, and AccuSystems, with particular responsibility for consumer lending products, forms, and settings.
  • Monitor relevant software release notes, regulatory updates, and product changes; coordinate testing and implementation with appropriate internal and external resources.
  • Maintain standardized document packages, product configurations, user access, and system controls consistent with approved products and policies.
  • Oversee or support lending exception reports, HMDA reporting, compliance reporting, and other management information generated from lending systems.
  • Develop resilient system administration coverage so critical knowledge and access are not concentrated with a single employee.

Requirements

• Minimum of 7 years of experience in mortgage operations, consumer loan administration, lending compliance, or a closely related banking function; a combination of relevant experience and education may be considered.
• Demonstrated experience leading or supervising mortgage or consumer lending operations personnel.
• Advanced working knowledge of residential mortgage, HELOC, and consumer construction loan processes, including disclosures, documentation, closing, funding, and post-closing administration.
• Strong knowledge of applicable federal and state lending laws and regulations, including TRID, TILA/Regulation Z, RESPA, ECOA/Regulation B, HMDA, Flood, Fair Housing, SAFE Act, and related requirements.
• Experience performing or overseeing Loan Estimate and Closing Disclosure quality control, HMDA data review, lending compliance monitoring, and corrective action.
• Experience with construction lending and draw administration preferred.
• Experience with Finastra LaserPro, DCI iCore, AccuSystems/AccuAccount, or similar systems strongly preferred; system administration experience is desirable.
• Ability to balance leadership responsibilities with hands-on production and problem-solving.
• Excellent judgment, attention to detail, organization, communication, and time-management skills.
• Ability to interpret regulations, loan documents, procedures, and non-standard transactions and translate them into practical operating guidance.
• Ability to work independently, collaborate across departments, and communicate effectively with employees, clients, auditors, regulators, and vendors.
• Intermediate to advanced proficiency with Microsoft Word, Excel, PowerPoint, and related business applications.

Benefits

• Medical, dental, and vision insurance
• Employer-paid short-term and long-term disability insurance
• Employer-paid life insurance
• Employer-matching 401K
• Guaranteed Safe Harbor Match
• Discretionary Yearend Profit-Sharing Match
• Health Savings Account (HSA) with company contribution
• Health Reimbursement Arrangement (HRA)
• Paid-time off (PTO)
• Volunteer time off
• Paid parking

Pay

The position’s pay range starts anywhere between $80,000 and $100,000 annually. An annual bonus may be paid to eligible employees based upon organizational and individual performance.

Reporting

Supervision Received: Directly from SVP, Chief Credit Officer; Indirectly from AVP, Loan Operations Manager.

Supervision Exercised: Directly over Mortgage Loan Administrator, Mortgage Loan Assistant.