THE TEAM:

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

Position Summary:

The SVP, Non-QM Operations will plan, direct, coordinate, and oversee all Non-QM operational functions across the organization, with a focus on scalable execution, credit quality, investor alignment, operational cost and efficiency, and disciplined risk management.

This leader will develop efficient, cost-effective operational systems that support the growth of Kind Lending's Non-QM platform. The ideal candidate will bring deep Non-QM credit expertise, including strong knowledge of bank statement programs, DSCR, asset depletion, investor guideline overlays, exception management, and complex borrower income analysis.

This role requires a senior mortgage operations executive who can lead high-performing teams, partner closely with Credit, Capital Markets, Secondary, Sales, Compliance, Risk, and Executive Leadership, and ensure the Non-QM channel operates with speed, quality, consistency, and investor confidence.

Responsibilities:

• Lead and oversee all aspects of Non-QM operations, including fulfillment, underwriting, closing, funding, post-closing coordination, pipeline management, and service-level performance.
• Partner with Executive Leadership to achieve Non-QM production, profitability, efficiency, credit quality, and investor delivery targets.
• Provide strong credit leadership and subject matter expertise across Non-QM products, including bank statement, DSCR, P&L-only, asset qualifier, foreign national, ITIN, jumbo Non-QM, and other alternative documentation programs.
• Ensure operational teams consistently interpret and apply Non-QM investor guidelines, overlays, eligibility requirements, documentation standards, and exception protocols.
• Collaborate with Credit Risk, Capital Markets, Secondary Marketing, Compliance, Sales, and Product teams to support responsible Non-QM growth and strong loan sale execution.
• Establish, track, and maintain SLAs for Non-QM operations, ensuring timely turn times, clear escalation paths, and accountability across sales and operations.
• Lead process improvement initiatives specific to Non-QM workflow, including scenario review, guideline interpretation, underwriting consistency, conditions management, exception tracking, and loan quality controls.
• Develop, audit, and maintain Non-QM operational policies and procedures, including credit escalation processes, investor-specific workflows, and quality control checkpoints.
• Build, mentor, motivate, and retain a high-performing Non-QM operations team, ensuring staffing levels align with volume, complexity, and service expectations.
• Monitor market, investor, regulatory, and credit trends affecting Non-QM lending and quickly adapt operational practices to remain competitive and compliant.
• Partner with Sales leadership to improve communication, scenario submission quality, loan structuring discipline, and borrower experience.
• Provide executive-level reporting on Non-QM pipeline health, turn times, fallout, suspense trends, credit exceptions, investor conditions, loan quality, and operational performance.
• Support the launch, refinement, and expansion of Non-QM products, investors, and channels while ensuring operational readiness and credit discipline.
• Maintain a strong culture of accountability, collaboration, transparency, and service excellence consistent with Kind Lending's values.

Qualifications:

• Minimum 15 years of senior mortgage operations leadership experience, preferably with an Independent Mortgage Banker.
• Minimum 5 years of senior Non-QM operations and credit experience required.
• Deep understanding of Non-QM underwriting, credit risk, investor guidelines, exception management, and alternative documentation analysis.
• Strong knowledge of Non-QM products, including bank statement, DSCR, asset depletion, P&L-only, foreign national, ITIN, jumbo Non-QM, and other non-agency loan programs.
• Proven ability to lead operations in wholesale and/or retail mortgage channels.
• Experience working directly with investors, aggregators, due diligence firms, capital markets, and secondary marketing teams preferred.
• Strong understanding of federal and state mortgage regulations, fair lending requirements, compliance expectations, and responsible lending practices.
• Ability to balance production growth with credit quality, investor salability, operational discipline, and risk management.
• Strong technical expertise in reporting, workflow development, LOS optimization, pipeline analytics, and operational performance measurement.
• Demonstrated ability to build scalable processes, lead through change, and respond quickly to market and investor guideline changes.
• Excellent verbal and written communication skills, with the ability to communicate complex credit and operational topics clearly to executive leadership, sales, and operations teams.
• Requires a team-player mentality and willingness to work in a fast-paced environment while exhibiting our Kind Culture.

Pay Disclosure:

The starting base pay range for this position is $225k/annually. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

Disclaimer Statement:

This job description is not intended, nor should it be construed to be an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job.  It is intended to be a general description of the principal requirements common to positions of this type.

Work Authorization:

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.

Other Duties:

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.

***For your security, Kind Lending will only contact you from email addresses ending in kindlending.com.  Emails from any other domain should be treated as suspicious and may be phishing attempts.

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