Accounting Manager

Luminate Bank® is more than a bank—we're Banking Brighter® by making financial success simple, accessible, and
rewarding. Whether you're purchasing a home, growing your savings, or planning for long-term stability, we offer expert guidance and personalized solutions to illuminate your path. Our seamless digital banking, tailored lending options, and wealth-building strategies empower you to take control of your financial future. With competitive rates, clear insights, and a customer-first approach, we help you make informed decisions with confidence. No matter where you are in your journey, Luminate Bank® is here to support you every step of the way.

Position Overview: The Accounting Manager is responsible for overseeing day-to-day accounting operations for the bank’s mortgage and bank activities, ensuring accurate financial reporting, strong internal controls, and compliance with GAAP and applicable banking and mortgage regulations. This role manages accounting staff, supports month-end and year-end close processes, and partners closely with finance, funding, servicing, and secondary market teams.

Key Responsibilities

Accounting Operations & Financial Reporting

· Review and approve journal entries and purchase invoices.

· Ensure accurate accounting for loan originations, sales, servicing, warehouse lines, escrow, and related fees.

· Ensure compliance with GAAP, regulatory guidance, and internal accounting policies.

· Assist in preparation of regulatory reporting.

Mortgage & Loan Accounting Oversight

· Oversee reconciliation of warehouse lines, clearing accounts, and loan-level balances.

· Partner with funding, secondary, and servicing teams to resolve loan accounting discrepancies.

· Support interim servicing and sub-servicer accounting and reporting.

Internal Controls & Compliance

· Maintain and enhance internal controls over financial reporting.

· Support internal and external audits, regulatory exams, and due diligence requests.

· Ensure timely and accurate documentation in support of audits and examinations.

· Assist in developing and maintaining accounting policies and procedures.

People Management & Leadership

· Supervise, coach, and develop accounting staff.

· Review work product to ensure accuracy, timeliness, and compliance.

Process Improvement & Projects

· Identify opportunities to streamline accounting processes and improve efficiency.

· Participate in system implementations, upgrades, and automation initiatives.

· Support special projects, ad-hoc reporting, and management initiatives as needed.

Education & Experience

· Bachelor’s degree in Accounting, Finance, or related field required.

· 5+ years of progressive accounting experience, preferably in banking or mortgage lending.

· 2+ years of people management or team-lead experience preferred.

· Experience with mortgage loan accounting, warehouse lines, or financial services strongly preferred.

Skills & Competencies

· Strong knowledge of GAAP and financial reporting.

· Experience supporting audits and regulatory examinations.

· High attention to detail with strong analytical and problem-solving skills.

· Ability to manage multiple priorities in a fast-paced, deadline-driven environment.

· Strong communication skills and ability to partner cross-functionally.

· Proficiency with accounting systems and Excel; mortgage systems experience a plus.

· Familiarity with mortgage and banking activities.

Benefits:

● Competitive compensation reliant on ability and experience

● Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision

● Life and AD&D Insurance, as well as additional voluntary benefit possibilities

● 401K with robust company match

● Flexible PTO program

● Earned Sick & Safe Time (ESST)

● The opportunity to work for the Midwest’s fastest growing bank