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.
Junior Closer
Location: New York, NY
Reports To: Sr. Manager, Closing & Post Closing
Type: Full-Time; Hybrid (in office Mon-Wed, remote Thurs-Friday)
Are you passionate about helping homebuyers achieve their dreams? Do you thrive in a fast-paced, team-oriented environment? If you’re eager to start your career in the mortgage industry or closing department, this is your chance to learn from the ground up!
As a Junior Closer, you’ll gain hands-on experience in the mortgage process from start to finish. You’ll assist in coordinating loan closings, preparing closing packages, and ensuring seamless transactions so homebuyers get their keys on time. With a strong desire to grow, you’ll develop the skills needed to become a seasoned closer/funder while delivering top-tier customer service.
What You’ll Do:
Redisclose all fee changes due to changes in loan terms throughout the process (e.g. third party fees, changes in appraised values, etc.) to ensure Tomo is in compliance.
Request and monitor all lender wires through the warehouse bank to fund loans on behalf of the entire closing team.
Track all collateral packages to ensure timely delivery to warehouse banks and subsequent shipment to designated investors.
Your role will evolve to…
Thoroughly review all pre-closing documents to ensure accuracy of information, including fees, rates, property details, and vesting before document preparation.
Input required closing data in the loan origination system
Review compliance reports and remediate any fails or alerts
Check title report for correct endorsements and approved items, and to verify that Borrower and property are correct
Prepare and issue the Initial Closing Disclosure.
Draw and release closing documents to the Settlement Agent
Authorize funding of loan
Assist in resolving any post-closing issues as needed
What Makes You a Great Fit:
Attention to detail and organizational skills
Staying current on federal, state, investor and internal policies and procedures
Maintaining transparency between all teammates involved in a customer’s journey
Preferred Qualifications
A bachelor’s degree
1+ years of professional experience (bonus if that is recent mortgage closing/funding experience)
What’s in It for You?
Career growth: Multiple paths within Tomo, including elite operational roles
Equity ownership: All teammates receive stock options
Coaching and mentorship: Build a foundation for a mortgage career
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
What We Do
Tomo is a fintech mortgage lender who's goal is to create a better home buying experience. We know that together we can deliver an experience that is easier, more efficient, and more predictable. Our digital mortgage platform and purchase-focussed mortgage process provides buyers with the confidence that they need in their rate, support, and in their outcomes.
Why Work With Us
We believe in providing a tech enabled, but human-driven real estate transaction to streamline the home buying process. This involves bringing best-in-class local professionals together through a seamless digital workflow - providing the efficiency and intimacy we all deserve!
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