Tomo Mortgage

Title: Post Closing Coordinator Location: New York City Department: Mortgage Operations Job Description: 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. The elevator pitch… As a Post Closing Coordinator, you will play a crucial role in swiftly delivering closed loans to investors. The loans delivered must meet investor guidelines at first pass as a result of your ability to integrate package requirements from various stakeholders including Tomo team members and third parties (e.g. settlement agents, MERS, warehouse banks, interim servicing etc.).The ideal candidate for this role gets excited about moving quickly, using technology, innovating, and being around customer-centric teammates. You will have a powerful voice with our product development team - if you have long dreamed of fixing and modernizing an LOS then this will be a dream job. What You'll Do: - Review and verify closed loan packages to ensure that the loans are accurate, complete and compliant and in alignment with industry guidelines - Deliver appropriate post close paperwork to warehouse lending partners - Communicate with and task Mortgage Loan Officers, Processors, Closers, Settlement Agents and other counterparties to obtain missing information and documentation for the closed loan package prior to investor delivery - Responsible to communicate effectively with Loan Officers, Processors and Closers when tasked to contact the customer in relation to identified suspense items - Swiftly resolve any suspense items identified by the investor - Stack and image loan packages to industry and investor standards - Meet shipping expiration deadlines; coordinate with Secondary Marketing if an expiration date cannot be met prior to commitment expiration date - Register/transfer mortgages in the MERS system - Run UCDs - Review and reconcile purchase advice details in Tomo systems - Manage a pipeline to get collateral from title to deliver to warehouse banks - Contribute to continuous improvement of the current post-closing process and help identify patterns and processes that may improve upstream business practices - Ensure files are compliant and regulator review/exam ready before archiving the file - Ensure any initial payments are collected on the loan when a payment is due in advance of investor loan purchase and subsequent servicing transfer - Generate Loan Boarding and Transfer reports from LOS and upload to Willow system for “Welcome” and “Goodbye" letters What Makes You a Great Fit: - High School diploma or equivalency degree - 2+ years of related experience - Experience with high volume data entry/validation - Knowledge of mortgage banking industry and loan delivery concepts - Understanding of investor, agency, state and federal requirements for loan delivery - Demonstrated skill in monitoring and overseeing loan production pipeline - Demonstrated experience researching information, problem solving, and making solid business decisions - Experience working in a fast paced and changing environment - Experience reporting, analyzing, interpreting, and critical thinking - Experience of fostering relationships within Tomo and with 3rd Parties - Strong attention to detail, written and oral communication, multi-tasking, and working in a team atmosphere adhering to deadline - Ability to work from our NYC office What’s in It for You? - Career growth: Multiple paths within Tomo, including elite operational roles - Competitive compensation and benefits - Equity ownership: All teammates receive stock options - Coaching and mentorship: Build a foundation for a career in operations Location This role will be based in our NYC office on a hybrid schedule: Mon-Wed on-site, and Thurs/Fri remote optional. Employee 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

Title: Mortgage Underwriter Location: Remote - USA Department: Mortgage Operations Employment Type Full time Compensation - $85K – $100K • Offers Equity Job Description: 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. Mortgage Loan Underwriter Location: Remote, US Reports To: Head of Underwriting Type: Full-Time, Remote As a Mortgage Loan Underwriter, you will have the opportunity to join Tomo’s growing mortgage operations team! Leveraging established underwriting guidelines, you will evaluate borrower financial and credit information along with property valuations to inform lending decisions. Our underwriters will collaborate closely with all members of the operations team throughout the process to bring loans to closing, without having to speak directly to the borrower. We are looking for resourceful Underwriters who can make guidelines fit the borrower, not the borrowers fit the guidelines. Beyond producing high quality loans, our goal is to build a memorable experience that will ensure our customers enjoy the home buying process. With offices in Detroit, Seattle and New York City, we are quickly expanding in order to deliver a once-in-a-lifetime experience through a combination of technology and excellent service What You'll Do: - Underwrite and decision residential agency conforming mortgage loans - Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents - Review appraisal reports to identify and resolve any discrepancies discovered within - Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan - Calculate qualifying ratios, determine creditworthiness; provide risk opinions - Maintain proactive review of pipeline What Makes You a Great Fit: - 7+ years of experience underwriting Fannie Mae and/or Freddie Mac - Knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA) - Understanding of the mortgage lending process - Ability to carry out loan calculations (DTI, LTV, etc.) - Ability to handle multiple files simultaneously - Strong written and verbal communication - Perform well in team environments - The drive to build something new - Leadership experience a plus Preferred Qualifications: - VA LAPP/SAR/DE Certifications - Experience working with Fannie Mae and/or Freddie Mac Employee 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

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. You’ll be joining our demand generation or efficiency teams, whose missions are to build transparent, delightful experiences to demystify the mortgage process, empower homebuyers to purchase with confidence, and improve our internal capability to deliver those experiences. Location: Remote, US. Teammates located near Seattle, WA, Detroit, MI or New York, NY may work from our offices whenever they choose to. Reports To: Engineering Manager Type: Full-Time; Remote We’re looking for someone who: Has empathy for homebuyers and enjoys building technology that improves their journey from discovery to closing. Brings their own unique background and experiences to the team, adding fresh ideas and perspectives. Thrives in a startup environment with ambiguity and enjoys collaborating to figure out the best path forward. Is a team-first engineer who jumps in to fight fires, provides constructive feedback, and thinks about both the customer and Tomo as a whole. Learns continuously and stays current with new trends and technologies, especially in backend engineering and AI. Has experience leveraging LLMs in software engineering and is excited to push our capabilities further. Works independently and makes sound decisions without requiring heavy oversight. Enjoys working with a geographically distributed team (US) You'll be: Building and maintaining scalable Python microservices Contributing to API design and integration patterns across services Deploying and supporting systems in production as part of an on-call rotation Following healthy engineering practices, including code review, iterative delivery, automated testing, and continuous deployment Collaborating closely with product managers, designers, and frontend engineers to deliver seamless customer experiences Leveraging AWS infrastructure, Kubernetes, and modern DevOps tooling to ensure reliability and performance You'll need: 2+ years of experience delivering meaningful software projects to production Understanding of modern software engineering practices, including logging, monitoring, continuous deployment, and automated testing Proficiency with Python and building backend systems using microservice architectures Interest in using AI tools as part of your developer workflow To be inquisitive, ready to engage in vibrant debate, make difficult decisions quickly, and learn continuously. You might also have: Experience integrating or optimizing LLM-powered workflows. Experience with SEO, site performance, and tools like PageSpeed Insights Experience with observability tools like Datadog Understanding of AWS, containerization (Docker), and orchestration (Kubernetes). Familiarity with financial services, fintech, real estate, or home lending technology Experience with modern frontend frameworks or API contract design. Employee 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