Salaried Ribbit Jobs (NOW HIRING)

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: Birmingham, MI

Reports To: Loan Processing Manager

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

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

We're looking for resourceful teammates who are proactive in managing pipelines, attuned to customer needs, and excited about using technology to transform the mortgage experience. If you've ever wished you could help modernize the tools and systems in mortgage lending, this is your chance to shape the future.

• Serve as the primary point of contact for customers from processing through closing, keeping them informed and supported
• Manage 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
• Coordinate closings and 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
• Walk customers through their Closing Disclosure, offering support and clear answers to their questions

• 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
• 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

What's in It for You?

• 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. On Target Earnings for this role is between $75,000-$85,000/yr. We provide a competitive base salary and bonus.
• 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.

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