Mortgage Loan Processor

Who we are

Tomo is a digital mortgage company on a mission to eliminate the greed and complexity in lending, helping homebuyers save thousands of dollars. Our AI-driven customer experience makes the lending process faster, less frustrating, and more affordable. By passing these savings directly to homebuyers, we eliminate excessive fees and inflated rates that cost Americans billions each year. Backed by top-tier venture investors, including Ribbit, DST, and NFX, Tomo is poised to become one of the most valuable fintech startups of our generation.

The elevator pitch… 

Tomo is growing our mortgage operations team, and we’re looking for our next GOAT! A Mortgage Loan Processor leverages established guidelines to ensure loan applications are accurate and include compliant supporting documentation.

Our team’s ultimate goal is to work closely and collaboratively to achieve on-time closings, while building a memorable experience for our customers. We are looking for resourceful Processors with proactive pipeline management skills and excellent intuition about customer experience and needs. The ideal candidate for this role gets excited about moving quickly, using technology, innovating, and being around customer-centric teammates. 

This role is based in our office Monday- Wednesday and is remote optional on Thursdays and Fridays. This role is based in Seattle, WA, Stamford, CT or Detroit, MI. 

You will 

• Serve as the primary relationship manager and point of contact for the customer from rate lock to close, collaborating with other functions to make this happen
• Perform all processing, pre-underwriting, and pre-closing tasks required to proactively manage mortgage loan files from receipt in processing to final disposition
• Verify accuracy and adherence to investor guidelines of all documents required for a complete submission to Underwriting (including appraisal and title)
• Collaborate with the agent to obtain necessary documentation (if needed) for approval and keep him or her informed of the status of the application
• Use Tomos tools to proactively communicate with the customer and keep them informed throughout the loan process
• Consistently meet target service level objectives
• Initiate follow-up phone calls to members and third parties to obtain necessary loan documentation, title, credit and/or collateral information
• Meet stated objectives for quality submissions to Underwriting
• Maintain proactive review of pipeline to ensure that rate locks do not expire
• Coordinate closings with all parties and assists with post-closing follow-up, as necessary
• Identify opportunities for process improvements and serves as a project resource in the implementation of system enhancements or process improvements
• When Closing Disclosure is sent to customer, offer option to review and answer questions

You’ll need 

• Understanding of the mortgage lending process
• Ability to handle multiple purchase applications simultaneously in a fast-paced environment - On time close is very important to us!
• Strong written and verbal communication with a phone-first mentality
• Strong performance in team environments
• Detail orientation with a strong focus on quality
• Superior customer centricity

You may also have the extras… 

• Bachelor’s Degree
• 2+ years experience of mortgage loan processing specifically purchase transactions
• Ability to obtain and maintain NMLS registration
• Byte Experience
• Non-QM and broker experience/knowledge