Senior 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, Citi Ventures, NFX and Progressive Insurance, Tomo is poised to become one of the most valuable fintech startups of our generation.

Location: New York, NY

Reports To: Loan Processing Manager

Type: Full-Time; Hybrid NYC (in office Mon-Wed, remote Thurs-Friday)

At Tomo, we’re on a mission to make the homebuying process simple, transparent, and memorable. Our Loan Processors are trusted guides for customers, helping them navigate from application through closing with confidence and clarity.

As a Senior Loan Processor, you’ll be responsible for a heavier pipeline than our standard processor role without sacrificing quality. You'll take on increased volume while remaining committed to our core value of omotenashi: proactively anticipating and satisfying customer needs to deliver an exceptional experience. We're looking for someone who excels at managing a high volume of purchase applications simultaneously while maintaining a relentless focus on on-time closes. If you have a proven track record of managing a heavy workload with on-time closes, you'll be a great fit to help shape the future of mortgage lending.

• Serve as the primary point of contact for customers from processing through closing, keeping them informed and supported

• Manage a high volume of loan files proactively, completing all processing, pre-underwriting, and pre-closing tasks with care and accuracy

• Review and verify documentation including credit, appraisal, and title for compliance with investor guidelines

• Partner with agents to gather required information and keep them updated on the status of applications

• Submit complete, high-quality files to underwriting while consistently meeting service-level targets

• Assist with post-closing follow-ups to ensure a seamless customer experience

• Identify opportunities to improve our processes and technology, and collaborate with teammates across functions to bring ideas to life

• Offer support and clear answers to any questions pertaining to closing

• Strong understanding of the mortgage lending process

• Ability to handle a high volume of 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

• A voice as to how we can improve our processes and tech

• Detail orientation with a strong focus on quality

• Superior customer centricity

• 2+ years of mortgage loan processing experience, specifically in purchase transactions

• Experience with Byte Pro or other LOS platforms (e.g., Encompass)

• Familiarity with a variety of loan types: Conventional, FHA, VA, and Jumbo

• Strong knowledge of mortgage applications, credit reports, and financial verifications

• Career Growth: Explore multiple career paths across Tomo, including elite operational roles

• Competitive Pay & Benefits: Designed to support your whole self, in and out of work

• Equity Ownership: All teammates receive stock options—we win together

• Coaching & Mentorship: Learn from experienced leaders who are invested in your growth

• Inclusive Culture: We celebrate diverse backgrounds, experiences, and perspectives. Whether your path into mortgage has been traditional or unique, you’ll find a place to thrive here.

On Target Compensation for this role is $125,000 per year depending on performance. This includes both base salary and variable compensation. There is also potential to earn above this with top performance on the team!

Benefits

We strive to anticipate your needs in order for you to be a healthy, motivated, and happy team member. We provide a variety of competitive benefits including (but not limited to):

• Equity Ownership: All teammates receive stock options—we win together

• Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered

• Work-life balance and a generous paid time off policy

• In order to support teammates who become parents, Tomo Mortgage provides paid parental leave

• 401(k) retirement plan