Chief Financial Officer- Mortgage Industry exp required

Chief Financial Officer

Location: Brea, CA Work Model: On-site Compensation: $150,000$200,000+ base salary depending on experience Bonus: Performance-based annual bonus tied to financial accuracy, reporting timeliness, cost optimization, and company profitability targets Schedule: Full-time, MondayFriday; executive-level flexibility expected Benefits: Health insurance, PTO, 401(k) match, vision, dental

A growing TPO/wholesale lending company is hiring a Chief Financial Officer to lead financial operations, accounting, servicing financial workflows, HR/payroll administration, broker financial workflows, and regulatory financial reporting. This is a hands-on executive role for someone with deep mortgage finance and accounting experience who can manage both strategic financial leadership and day-to-day operational execution. The CFO will oversee everything from daily funding reconciliation, broker commission payments, banking operations, and warehouse line follow-up to NMLS reporting, servicing financial operations, and HR/payroll administration.

Responsibilities:

• Oversee accounting operations, including daily bookkeeping, QuickBooks journal entries, bank account reconciliation, and period-end financial closings
• Reconcile daily LOS data against warehouse actuals and escalate discrepancies to the funding team
• Manage broker commission payments and monthly brokerage incentive payments
• Manage origination-related vendor payments and administrative expenditures
• Lead banking operations, including daily multi-account review, journal reconciliation, Positive Pay administration, wire/ACH activity, and bank payment processing
• Manage loan-purchase financial follow-up before and after purchase
• Prepare period-end journal reconciliations and financial statement closings
• File quarterly NMLS Call Reports
• Submit financial statements to NMLS, warehouse lenders, and investors upon request
• Oversee servicing financial operations, including payment collection, borrower statement mailing, payment deposits, transfer/goodbye letters, and delinquent account follow-up
• Manage TPO/broker onboarding financial workflows, including application review, broker portal setup, welcome packages, and NMLS follow-up
• Manage payroll processing for W-2 and 1099 employees
• Oversee payroll bookkeeping, PTO/leave tracking, employment administration, employment verification administration, 401(k) contributions, health insurance enrollment, and monthly premium payments
• Work closely with CEO/ownership, operations/funding, warehouse lenders, broker relations, loan officers, investors, vendors, and external auditors
• Build scalable financial processes as the company grows

Qualifications:

• 10+ years of mortgage finance/accounting experience
• At least 5 years in a senior leadership role
• Prior CFO, VP of Finance, or Controller experience at a mortgage lender, TPO/wholesale shop, or similar financial institution preferred
• CPA or equivalent professional certification strongly preferred
• Deep knowledge of mortgage lending accounting, warehouse line operations, and NMLS regulatory financial reporting
• Hands-on experience with QuickBooks and loan origination systems such as Byte or similar
• Advanced Microsoft Excel skills
• Experience with banking platforms, DocuSign, NMLS system, and payroll platforms
• Expertise in TPO/wholesale lending financial workflows, broker commission structures, and investor reporting
• Strong banking operations background, including Positive Pay systems, multi-account reconciliation, and wire/ACH management
• Experience managing payroll, benefits administration, 401(k), health insurance, and HR financial functions
• Experience with NMLS Call Reports and state-level regulatory filings preferred
• Servicing portfolio management experience preferred, including payment collection, escrow, and delinquency follow-up
• Highly detail-oriented with the ability to manage daily, monthly, and quarterly deadlines simultaneously
• Comfortable operating across accounting, servicing, TPO, and HR functions
• Self-starter who can work with minimal supervision and scale processes as the company grows