Director of Licensing and Compliance

About the Job

This is a new, high-impact position responsible for building and leading the company's licensing and compliance program from the ground up. As Director of Licensing and Compliance, you will own the full lifecycle of state lending and MLO licensing, including new license acquisition, drive examination readiness, and establish the operational playbooks that scale with the business. You will report to the General Counsel, and this role is ideal for you as a self-starter who thrives in a build-phase environment.

New License Applications

• Lead the preparation and submission of new state lending license applications, including corporate entity applications, across target jurisdictions
• Manage the full application lifecycle: gathering corporate documentation, drafting responses to supplemental requests, coordinating surety bonds and financial statements, and shepherding applications through approval
• Evaluate new-state entry requirements and advise the General Counsel on timelines, costs, and regulatory considerations for market expansion
• Build and maintain relationships with state regulators to facilitate efficient application processing

Licensing Program Management

• Design, implement, and manage the end-to-end process for maintaining state lending licenses across all active jurisdictions
• Monitor state regulatory requirements and ensure timely renewals, amendments, and filings (including NMLS submissions)
• Track and maintain records for all company and branch licenses

MLO Licensing Oversight

• Oversee the licensing, registration, and ongoing maintenance of Mortgage Loan Originator (MLO) licenses
• Manage MLO onboarding and offboarding workflows, including sponsorship, background checks, and continuing education tracking
• Serve as the primary point of contact for MLO licensing inquiries and escalations

Examination Preparation and Response

• Lead preparation for state regulatory examinations, including document gathering, internal readiness reviews, and coordination across departments
• Serve as the primary liaison with state examiners during the examination process
• Track examination findings, coordinate remediation efforts, and implement corrective actions

Compliance Playbook Development

• Build and maintain playbooks for annual state reporting obligations, including MCRs, MSRs, and other jurisdiction-specific filings
• Develop standardized processes, checklists, and calendars to ensure consistent, timely compliance across all licensed states
• Document procedures in a manner that supports scalability and knowledge transfer

Program Building

• Establish the foundational infrastructure for the licensing and compliance function, including vendor relationships, technology tools, and internal workflows
• Develop KPIs and reporting to give leadership visibility into licensing status, examination outcomes, and compliance health
• Identify and recommend process improvements and automation opportunities

The on-target earnings for this position are $215,000 to $250,000, inclusive of a base salary and a biannual bonus based on company, team, and individual success.  Within the range, individual pay is determined by job-related skills, experience, and relevant education or training.

About You

• 7+ years of experience in mortgage or consumer lending licensing and compliance
• Proven track record of preparing and submitting corporate state lending license applications and obtaining new licenses in multiple jurisdictions
• Deep working knowledge of NMLS, state licensing requirements, and multistate regulatory frameworks
• Direct experience preparing for and responding to state regulatory examinations
• Demonstrated ability to build a program or function, not just maintain one
• Familiarity with compliance management software and NMLS batch processing
• Desire to participate in fast-paced early-stage startup
• Adaptability: Embraces changing circumstances with resiliency, positivity and a sense of humor
• Team-Oriented: Prioritizes collaboration, inclusivity, and teammate support 

About Us

Millions of homeowners in today’s economy are sitting on substantial home equity they are unable to access due to rising interest rates and strict qualification requirements of traditional lenders. That means millions of homeowners can’t convert their hard-earned equity into cash to pay off debt, start a home renovation, or pad their retirement to better their lives.

Splitero co-founders Michael Gifford and David Zvaifler witnessed the problem firsthand throughout their real estate careers. They set out to create a win-win product that could help those homeowners access their home equity but not make monthly payments like traditional financing options. And thus, Splitero was born.

As part of our team, you will join our quest to revolutionize the real estate industry while helping families in need. We offer a suite of benefits designed to help you thrive in all areas of life.

• OneTeam Culture - We foster a culture of transparency, innovation, and inclusivity, where every voice is heard and every team member is valued. We believe in celebrating our successes, doing the right thing, and helping each other so we grow as a team and as individuals. 
• Generous Resources - We want to ensure you are set up to do your best work. In addition to a solid tech stack, and access to any WeWork location, you will receive a monthly cell and internet stipend.
• Premium Healthcare - We offer comprehensive healthcare plans for you and your family, which employees are eligible for on their first day.
• Flexible PTO and Parental Leave - We offer a generous PTO and encourage employees to take time off to recharge. We're proud to offer a parental leave policy that allows you to welcome your new addition without worry.

We are a workforce composed of individuals with diverse backgrounds, abilities, minds, and identities. In keeping with our commitment to inclusion, we will ensure that people with disabilities are provided reasonable accommodations. If reasonable accommodations are required when applying, interviewing, or performing the essential functions of this position, please contact People Operations, at peopleops@splitero.com.