Job Title: Retail Division President | CPO
Reports To: President & CFO
Department: Arcstone Financial (Retail Sales Division)

About Arcstone Financial
Arcstone Financial is a dynamic mortgage company dedicated to providing exceptional financial solutions. We are committed to the highest standards of service, efficiency, and integrity.

Job Summary

Arcstone Financial is seeking a dynamic and results-driven Retail Division President and Chief Production Officer (CPO) to lead and expand the company’s retail mortgage division. The CPO will be responsible for all revenue-generating activities within the retail channel, including the oversight of sales and marketing efforts, strategic growth, talent acquisition, and branch performance.

This executive will oversee the management, growth, and operational integrity of the retail division, they will supervise mortgage loan officers and branch managers, while ensuring alignment with company goals and compliance standards. The CPO is also expected to drive recruitment of high-performing loan originators and branch leaders, strengthen market presence, and help shape Arcstone’s retail brand and reputation across all channels.

Key Responsibilities

• Lead all production and sales activities across Arcstone's retail lending division, including oversight of loan officers, branch managers, and regional teams.
• Build and scale internal systems, workflows, technology integrations, and retail-specific infrastructure to support rapid expansion and long-term sustainability.
• Manage and grow branch’s P&L, ensuring profitability and adherence to established company margins and performance benchmarks.
• Recruit, hire, train, and onboard high-performing mortgage loan officers and branch managers aligned with Arcstone’s culture and production standards.
• Develop and execute market-specific strategies to grow retail loan volume, expand branch presence, and capture high-quality, compliant business.
• Partner with marketing to develop and deploy campaigns that support branch growth, enhance brand awareness, and generate borrower leads.
• Ensure loan-level compliance with federal, state, agency, and investor guidelines through proactive collaboration with credit, legal, and compliance departments.
• Define and track performance KPIs and SLAs across retail sales teams to maintain high accountability, responsiveness, and service excellence.
• Report regularly to leadership on division performance, staffing needs, pipeline health, operational efficiency, and profitability.
• Serve as the final escalation point for loan-level or client-level issues requiring executive resolution or decision-making authority.
• Lead monthly sales meetings and contribute to strategic planning sessions, and drive execution of tactical growth initiatives.
• Oversee onboarding and integration of new branches or loan officers, ensuring fast ramp-up, strong engagement, and high retention.
• Stay ahead of industry trends, market shifts, and regulatory developments to ensure Arcstone remains competitive and compliant in all retail markets.
• Collaborate with capital markets to optimize pricing strategies that drive both competitiveness and profit margin integrity.

Skills Requirements

Experience | Education

• Bachelor’s degree required; MBA or advanced degree preferred.
• 10+ years of experience in mortgage banking, with direct leadership over a sales team.
• Proven track record of developing, scaling, and managing a profitable sales division.
• Knowledge of agency, Non-QM, and investor guidelines, including correspondent and delegated requirements.
• Strong command of mortgage technology platforms, including Encompass, Optimal Blue, and CRM tools.
• Demonstrated ability to lead cross-functional teams and meet aggressive business growth timelines.
• Experience managing branch-level and divisional P&L.

Benefits | Travel