Consumer Direct Divisional LeaderBranch Manager

Join the GEM Mortgage Team!

Ready to be part of a leading mortgage lender that truly puts clients first At GEM Mortgage a division of Golden Empire Mortgage weve been a respected leader in the industry for nearly 40 years guided by our core belief that our borrowers interests come first. Were dedicated to providing clients with expert financing advice and believe that everyone deserves access to credit.

Our mission is to build long-lasting relationships with borrowers and real estate partners be an employer of choice with growth opportunities for our team members and operate as a trustworthy financially sound enterprise that positively influences our communities.

At Golden Empire Mortgage our LEADER values guide everything:

Loyalty to our team borrowers and partners.

Excellence in all we do.

Accountabilitywe take ownership.

Driven for continuous improvement.

Engaged to deliver success.

Reliability you can count on.

If youre passionate about making a real difference in peoples lives delivering exceptional service and growing your career with a company that truly values its people and its purpose we invite you to explore opportunities with us. Come join GEM Mortgage and help us empower clients and communities!

Job Summary

The Consumer Direct Divisional Leader is responsible for building scaling and leading Golden Empire Mortgages Consumer Direct channel. This role owns day-to-day execution performance optimization and vendor coordination across digital marketing lead management sales operations and customer experience while operating within the companys compliance risk and financial guardrails. This position requires a balance of entrepreneurial leadership and operational discipline. The Divisional Leader is accountable for volume growth cost efficiency conversion performance and team productivity while partnering closely with executive leadership to ensure regulatory compliance brand integrity and sustainable profitability.

Essential Job Functions

Lead the overall strategy execution and performance of the Consumer Direct division with accountability for production volume conversion rates cost per loan and profitability.

Manage daily operations including digital lead acquisition call center sales execution borrower engagement and pipeline management.

Select manage and optimize third-party vendors (e.g. digital marketing platforms CRM AI voice/follow-up tools) ensuring performance aligns with

agreed KPIs and budget constraints.

Develop and implement scalable workflows for lead intake borrower follow-up disclosures compliance checks and loan submission.

Recruit train coach and performance-manage Consumer Direct loan officers sales leaders and support staff.

Establish data-driven performance management using dashboards KPIs and reporting to drive continuous improvement.

Partner with Compliance Legal Secondary IT and Operations to ensure all Consumer Direct activities meet regulatory investor and company requirements.

Maintain adherence to approved budgets and obtain executive approval for material changes to spend strategy or compliance-impacting initiatives.

Drive a culture of accountability transparency and ethical sales practices consistent with Golden Empire Mortgages values.

Prepare regular performance updates and strategic recommendations for executive leadership.

Minimum Requirements

Bachelors degree in business finance marketing or a related field (or equivalent experience).

Minimum of 7 years of mortgage industry experience with at least 35 years in Consumer Direct

call-center or digital mortgage production leadership.

Demonstrated success scaling a Consumer Direct or high-velocity mortgage sales operation.

Strong working knowledge of mortgage compliance requirements (federal state and investor-specific).

Experience managing external vendors and marketing platforms with performance-based accountability.

Proven ability to lead teams through growth change and performance pressure.

Abilities Required

Strategic thinking with strong executional follow-through.

Data-driven decision-making and comfort with performance analytics and dashboards.

Strong leadership coaching and communication skills across diverse teams.

Ability to operate with urgency while maintaining compliance and risk discipline.

Financial acumen including budgeting ROI analysis and unit-economics management.

High level of integrity sound judgment and accountability.

Ability to collaborate effectively with executive leadership and cross-functional partners.

Compensation Disclosure

This is a full-time exempt salaried position. The base salary range for this role is $200000 to $240000 per year depending on skills experience and qualifications. This position is not eligible for overtime compensation in accordance with California labor law. Additional compensation such as bonuses or incentive pay may be available based on performance and business needs.

At-Will Employment

This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time with or without cause or notice subject to applicable law.

Work Location
This position isfully remote. Employees may perform all job duties from a location outside of their main office or branch location subject to reliable internet access and compliance with company policies.

Equal Opportunity Employer

Golden Empire Mortgage are Equal Opportunity Employers. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race color religion sex (including pregnancy childbirth or related medical conditions) gender gender identity or expression sexual orientation marital status national origin ancestry age physical or mental disability medical condition genetic information military or veteran status or any other characteristic protected under federal state or local law.

Reasonable Accommodations

Golden Empire Mortgage is committed to providing reasonable accommodation for qualified individuals with disabilities during the application or recruitment process. If you need assistance or accommodation please contact us at .

California Consumer Privacy Notice

Golden Empire Mortgage a division of Golden Empire Mortgage may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect use and protect your information please review our Privacy Policy Experience:

Manager