Loan Advisor (St. Louis)

Tomo Mortgage; St. Louis (MO); Hybrid; USD 100,000 - 400,000; Full time

Benefits offered by this job

Equity ownership

Comprehensive Medical, Dental, and Vision plans

Generous paid time off policy

Paid parental leave

401(k) retirement plan

Job summary

A digital mortgage company is seeking a Mortgage Loan Officer in St. Louis, MO. You will guide prospective homebuyers through the financing process and manage a pipeline of leads to close business effectively. The ideal candidate has over 4 years of residential mortgage lending experience, holds an NMLS MLO License, and excels in communication. This full-time hybrid role offers competitive compensation with uncapped commission potential, equity ownership, and comprehensive benefits including medical, dental, and paid parental leave.

Qualifications

• Minimum of 4 years of residential mortgage lending experience with active licenses.
• Proven ability in guiding homebuyers through the financing process.
• Expert in the use of POS, CRM, and LOS systems.

Responsibilities

• Advise prospective homebuyers in the financing process.
• Collaborate with internal teams for loan processing.
• Manage a pipeline of warm leads and convert them to sales.
• Ensure compliance with investor guidelines.

Skills

Residential mortgage lending experience

Communication expertise

Relationship building

Industry knowledge of loan products

Risk assessment and compliance

Organizational skills

Education

NMLS MLO License

Tools

Desktop Underwriter (DU)

Loan Prospector/Advisor (LP/LPA)

Job description

Who We AreTomo 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 Officer

Location: St. Louis, MO

Reports To: Sales Manager

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

The Role

• 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 customer 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