Application Analyst

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 Loan Processor

Location:  New York, NY

Reports To: Loan Processing Manager

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

This is an ideal opportunity for a recent graduate looking to get their foot in the door of the mortgage, fintech, or real estate space. As an Application Analyst, you’ll work closely with our Processing team to help keep the home loan process moving—ensuring documents are complete, accurate, and ready for next steps. You’ll help manage the “behind-the-scenes” tasks that create a seamless experience for our customers, freeing up our Processors to focus on high-impact work.

If you’re organized, hungry to learn, and ready to roll up your sleeves, this is a great entry point to launch your career in a high-growth company.

What You’ll Do

• Support Loan Processors by reviewing applications and prepping files for underwriting

• Review and organize key documents (e.g., paystubs, bank statements, W-2s) for completeness and compliance

• Place orders for third party items needed for final loan approval including but not limited to: appraisals, title reports, homeowners insurance policies, etc.

• Track outstanding items and follow up with third parties (appraisal management company, title companies, insurance agents, etc.) or internal teams as needed

• Learn how the mortgage process works from start to finish (we will train you!)

• Shadow experienced team members and gain exposure to career paths in operations, processing, underwriting, and beyond.

Who You Are

• A recent graduate or early-career professional with strong ambition

• Hungry to learn and curious about how things work

• Known for being organized, detail-oriented, and reliable

• Comfortable juggling multiple tasks and timelines

• A clear communicator—written and verbal

• A team player who thrives in fast-paced environments

• Tech-savvy or quick to pick up new systems

Bonus Points If You Have

• Experience in a fast-paced internship, part-time job, or student organization

• Familiarity with Excel/Google Sheets or CRM tools

• An interest in real estate, finance, or fintech

Why This Role Matters

• This is the backbone of a smooth loan process. You’ll be a key player in helping people buy

• homes, while building real skills and a long-term path in a booming industry. We don’t just

• invest in your output; we invest in your growth.

What’s In It for You

• A steep learning curve and mentorship from experienced professionals

• Career growth into Loan Processing, Underwriting, Operations, Sales, and beyond

• Competitive pay $55K–$57K

• Bonus potential up to $10K annually, paid out quarterly

• Equity

• Inclusive, mission-driven culture that values curiosity, integrity, and hustle

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