Tomo Mortgage

Mortgage Loan Processor

• Directly supervise and support a team of ~10 Junior Loan Processors, providing day-to-day coaching, feedback, and prioritization guidance
• Onboard and train new team members on Tomo's systems, workflows, and mortgage fundamentals
• Monitor team workload and redistribute files as needed to ensure SLAs are met
• Conduct regular 1:1s and contribute to performance reviews for direct reports
• Serve as the first escalation point for complex file issues, flagging to the Junior Loan Processing Manager when needed
• Maintain visibility into the team's full pipeline, ensuring files are progressing and nothing is aging or stalled
• Review team output for accuracy, completeness, and compliance before files advance to underwriting
• Identify patterns in errors or delays and proactively address them through coaching or process adjustment
• Serve as the team's in-house expert on appraisals, title, homeowners insurance (HOI), and employment/income verifications
• Troubleshoot complex third-party issues — including appraisal escalations, title curative matters, HOI coverage gaps, and VOE discrepancies — with a clear understanding of how each impacts loan eligibility and timing
• Stay current on agency guidelines and investor overlays as they relate to third-party documentation requirements

Junior Mortgage Loan Processor – Team Lead

Accountant

• Own the end-to-end Accounts Payable process, including invoice intake, coding, approval routing, and timely payment execution.
• Manage vendor onboarding, W-9 collection, and vendor master data maintenance; support annual 1099 reporting.
• Serve as the primary point of contact for vendor inquiries, resolving discrepancies with speed, accuracy, and care.
• Reconcile vendor statements and monitor AP aging; investigate and resolve outstanding items.
• Manage corporate card and employee expense workflows, ensuring policy compliance and proper coding.
• Identify and drive process improvements and automation opportunities across the AP function.
• Execute assigned month-end close tasks, including journal entries for accrued liabilities, prepaid expenses, and expense accruals tied to AP cutoff.
• Prepare bank reconciliations and balance sheet reconciliations, investigating and resolving reconciling items.
• Ensure complete and accurate AP cutoff at period end, including accrual of unrecorded liabilities.
• Assist in preparing monthly, quarterly, and annual reporting requirements.
• Support the year-end audit process by preparing schedules, reconciliations, and documentation as needed.
• Maintain accurate financial records and ensure compliance with accounting standards and internal policies.

Senior Accountant

Data Scientist

• Own the data function end-to-end — strategy, roadmap, prioritization across a broad stakeholder surface, and the health of the platform.
• Build and develop the team — hire across data science, analytics/business intelligence, and data engineering, and grow the people already here.
• Drive marketing measurement and experimentation — quantify the effectiveness of marketing spend and build attribution models.
• Lead by building — write SQL, build dbt models, and work in notebooks alongside the team; set the technical bar by doing the work, not just reviewing it.
• Keep the platform healthy — ensure pipelines and infrastructure are reliable, performant, and cost-efficient as the business scales.
• Partner with Product and Engineering — shape how data is instrumented and captured so it's analyzable downstream, and help QA data at the source.
• Be a trusted partner to leadership — own the data narrative with the exec team and make the call on what the team does and doesn't take on.

Head of Data

Underwriter

• Oversee a high-performing mortgage underwriting and risk team.
• Direct the underwriting operations, ensuring loan decisions are made in accordance with agency guidelines (FNMA, FHLMC, FHA, VA), investor overlays, and Tomo's internal credit policies.
• Maintain high standards of accuracy, completeness, and sound risk assessment.
• Evaluate and approve complex loan files, including those with layered risk, non-standard income documentation, and non-QM transactions.
• Establish and enforce credit risk tolerance levels in alignment with company objectives.
• Ensure full compliance with federal and state regulations, including RESPA, TILA, ECOA, and Fair Lending requirements.
• Partner closely with Processing, Closing, Secondary Markets, and Sales leadership to resolve pipeline issues, provide underwriting guidance, and ensure smooth loan flow from application to close.
• Identify and implement workflow enhancements to increase underwriting efficiency, reduce turn times, and improve decision consistency.
• Establish and monitor KPIs including turn time, approval rates, suspense/decline rates, and post-close audit results.
• Conduct regular file audits and provide targeted coaching to maintain quality benchmarks.
• Design and deliver ongoing training programs covering underwriting guidelines, credit analysis, documentation requirements, and regulatory updates.

Underwriting and Credit Policy Director

Manager

• Manage, mentor, and develop a team of post-closing coordinators and Jr post-closers, providing day-to-day oversight and performance guidance.
• Establish and monitor team productivity standards, including review of an average of 5–6 loans per coordinator per day at a high quality threshold.
• Conduct regular pipeline reviews, identify bottlenecks, and reallocate resources to maintain turnaround targets.
• Serve as the escalation point for complex loan defects, documentation disputes, and investor exceptions.
• Oversee the audit of all closed loan files to verify completeness, accuracy, and compliance with regulatory requirements and investor guidelines.
• Direct the review and remediation of loan defects, ensuring all outstanding conditions are resolved within department SLAs.
• Maintain accountability for final recorded and non-recorded closing documents, ensuring proper custody and maintenance.
• Ensure all post-closing activities meet TRID disclosure and timing requirements, FHA/VA/USDA guidelines, and applicable fair lending laws.
• Manage submission and receipt of FHA mortgage insurance and VA loan guaranty within 60 days of closing.
• Oversee processing of upfront MIP and VA/USDA funding fee payments through the payment processing system.
• Ensure all loans are registered with MERS
• Manage submissions of all required loans through Fannie/Freddie UCD
• Collaborate with compliance, legal, and secondary market teams to address investor findings and repurchase requests.
• Develop and maintain post-closing policies, procedures, and training materials to support team consistency and regulatory alignment.
• Track and report key performance metrics including defect rates, cure timelines, investor delivery rates, and team throughput.
• Identify systemic issues and lead cross-functional initiatives to improve loan quality and reduce post-closing defects.
• Partner with closing, underwriting, and operations leadership on process alignment and shared quality standards.
• Administer and optimize workflows within the loan origination system (LOS) to support post-closing efficiency.
• Manage relationships with title companies, recording agencies, custodians, and investors as needed to resolve post-closing issues.

Junior Mortgage Loan Processor – Team Lead

Senior Accountant

Head of Data

Underwriting and Credit Policy Director

Post Closing Manager