Offer summary

Qualifications:

7+ years of experience in mortgage underwriting and quality control, Proficiency with Desktop Underwriter (DU) and Loan Prospector/Loan Product Advisor (LP/LPA), Strong understanding of the end-to-end mortgage lending process, Excellent written and verbal communication skills..

Key responsibilities:

Ensure all loans are underwritten and decisioned in accordance with agency-conforming guidelines

Verify that loans comply with insurer, guarantor, and agency requirements

Review and validate complete and accurate financial documentation, including credit and legal documents

Analyze applicant income, assets, credit reports, and property valuations to assess loan eligibility.

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, DST, and NFX, Tomo is poised to become one of the most valuable fintech startups of our generation.

We are intentional about who joins our rapidly growing team—we seek ambitious, team-oriented, and driven individuals who embrace the effort required to win. At Tomo, we seek teammates who have a pattern of success in their lives —whether demonstrated through work, academics, athletics, or personal endeavors. Tomowners lean into the company culture, are energized by our mission and want to have fun at work.

Mortgage Quality Control Auditor

As a Mortgage Quality Control Auditor, 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. You will collaborate closely with leadership and members of the operations team throughout the Pre-Funding and Post-Close processes to ensure loans meet the highest quality standards.

What you’ll do:

Ensure all loans are underwritten and decisioned in accordance with agency-conforming guidelines
Verify that loans comply with insurer, guarantor, and agency requirements (FNMA, FHLMC, etc.)
Confirm loans meet the standards of private institutional investors and internal company policies
Review and validate complete and accurate financial documentation, including credit and legal documents
Analyze applicant income, assets, credit reports, and property valuations to assess loan eligibility
Review appraisal reports and resolve any discrepancies
Calculate qualifying ratios, determine creditworthiness, and provide risk-based underwriting opinions

What Makes You a Great Fit:

7+ years of experience in mortgage underwriting and quality control
Proficiency with Desktop Underwriter (DU) and Loan Prospector/Loan Product Advisor (LP/LPA)
Strong understanding of the end-to-end mortgage lending process
Ability to perform complex loan calculations (DTI, LTV, etc.)
Skilled at managing multiple files and tasks simultaneously
Excellent written and verbal communication skills
Team-oriented with strong collaboration skills
Leadership experience is a plus