Loan Advisor (St. Louis)

Tomo; St. Louis (MO); Hybrid; USD 90,000 - 110,000; Full time

Benefits offered by this job

Career growth opportunities

Equity ownership

Comprehensive medical, dental, and vision plans

Paid parental leave

401(k) retirement plan

Job summary

A leading mortgage technology company is looking for a Mortgage Loan Officer in St. Louis, MO. You will help clients navigate the home financing process while managing a pipeline of leads. Candidates must have over 4 years of experience in residential mortgage lending and hold an NMLS MLO License. The role offers competitive compensation with potential earnings ranging from $200,000 to $400,000 annually, along with equity options and comprehensive benefits.

Qualifications

• 4+ years of experience in residential mortgage lending, with an active NMLS license.
• Expert in communication with clients and team members.
• Ability to manage high volumes of transactions efficiently.

Responsibilities

• Advise homebuyers through the home financing process.
• Ensure smooth loan manufacturing by collaborating with internal teams.
• Manage a pipeline of warm leads and convert them into closed business.
• Identify creative solutions for customers' unique needs.

Skills

Residential mortgage lending experience

Communication expert

Industry knowledge of loan products

Ability to build relationships

Multitasking

Problem perception

Education

NMLS MLO License

Tools

Desktop Underwriter (DU)

Loan Prospector/Loan Product Advisor (LP/LPA)

Job description

Location

St. Louis

Employment Type

Full time

Location Type

Hybrid

Department

Mortgage Sales

Mortgage Loan Officer

Location: St. Louis, MO

Reports To: Sales Manager

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

The Role

Tomo is seeking mortgage loan officers (Loan Advisors) to help evolve the home buying experience into a customer‑centric, streamlined, tech‑driven process and re‑write the playbook for others to follow. We’ve found that elite performers have a strong desire to associate with other elite performers and we aim to build around that. Day by day we’re cultivating the most effective sales organization in America.

** You must have an NMLS MLO License.

What You’ll Do:

• Advise Tomo’s prospective homebuyers and guide them through the home financing process.

• Work hand in hand with other internal sales/operations teams to ensure smooth and frictionless manufacturing of loans.

• Manage a pipeline of warm leads – helping them convert into closed business better than anyone in the industry.

• Be creative and solution oriented – identify solutions to meet customers’ unique needs and take a consultative approach.

• Be compliant – adhere to investor guidelines for all documents required for a complete submission to Underwriting.

• Quote rates and guidelines with accuracy and fairness.

• Become an expert in our POS, CRM and LOS systems to facilitate a more efficient and accurate process.

• Regularly visit our office in St. Louis.

What Makes You a Great Fit:

• Residential mortgage lending experience (4+ years and active licenses).

• World class at taking buyers from “hello” to “keys in hand.” Fearless in the pursuit of excellence and perfecting your craft.

• Communication expert – both externally with clients/agents as well as internally with Tomo team members.

• Building relationships quickly with all parties.

• Balancing a “hunter” and “gatherer” mindset.

• Industry knowledge of loan products and pricing strategies.

• Knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA).

• Multitasking and staying organized while balancing high quantities of transactions.

• Perceiving problems and anticipating needs of customers, real estate agents or partners.

• The drive to build something new. Detail‑oriented with a strong focus on quality.

Preferred Qualifications:

• Experience in a tech startup environment.

What’s in it for you?

• Career growth: Multiple paths within Tomo, including elite sales and leadership opportunities.

• Skill development: Proven industry leading training and development program designed to upskill our sales talent.

• Competitive compensation: On‑target earnings of ~$100,000. There is uncapped commission potential where many fall between $200,000‑$400,000 annually present day.

• Equity ownership: All teammates receive stock options.

Employee Benefits

• 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.