Junior Mortgage Loan Processor Team Lead

About the role

This is a hands-on leadership role for an experienced loan processing professional who's ready to step into a player-coach position. As the Junior Loan Processor Team Lead, you'll own the day-to-day execution of a team of ~10 Junior Loan Processors — keeping files moving, quality high, and your people developing. You know the mortgage process cold, and you're energized by teaching others how it works. You'll be the primary escalation point for your team on anything touching appraisals, title, homeowners insurance, and employment verifications — and you'll set the standard for how this work gets done at Tomo.

Responsibilities

• Directly supervise and support a team of ~10 Junior Loan Processors, providing day-to-day coaching, feedback, and prioritization guidance
• Onboard and train new team members on Tomo's systems, workflows, and mortgage fundamentals
• Maintain visibility into the team's full pipeline, ensuring files are progressing and nothing is aging or stalled
• Review team output for accuracy, completeness, and compliance before files advance to underwriting
• Identify patterns in errors or delays and proactively address them through coaching or process adjustment
• Serve as the team's in-house expert on appraisals, title, homeowners insurance (HOI), and employment/income verifications
• Troubleshoot complex third-party issues — including appraisal escalations, title curative matters, HOI coverage gaps, and VOE discrepancies — with a clear understanding of how each impacts loan eligibility and timing
• Stay current on agency guidelines and investor overlays as they relate to third-party documentation requirements

Requirements

3–5+ years of mortgage loan processing experience, with strong hands-on knowledge of the full loan cycle

Deep familiarity with appraisals (order management, review, escalations), title (commitments, curative, endorsements), HOI (coverage requirements, binders, declarations), and employment verifications (written/verbal VOEs, 4506-C, self-employment docs)

A natural teacher — you get energy from helping others grow, not just doing the work yourself

Highly organized with strong attention to detail and the ability to manage competing priorities across a team

Clear, direct communicator — comfortable giving feedback, setting expectations, and escalating when needed

Experience with LOS platforms (Encompass or similar); comfortable learning new systems

Prior lead or supervisory experience a plus, but not required if you're ready to step into it

Qualifications

Clear communication skills

Ability to manage multiple tasks and prioritize effectively

Strong organizational and analytical skills

Ability to troubleshoot and resolve complex issues

Passion for continuous learning and improvement

Skills

Strong knowledge of mortgage loan processing

Expertise in appraisals, title, homeowners insurance, and employment verifications

Excellent problem-solving and troubleshooting abilities

Effective communication and interpersonal skills

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

Pay

$75K - $85K

Schedule

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