Mortgage Operations - Loan Processor

About the role

Wealthfront Mortgage Operations (MOps) is built around efficiency, critical problem-solving, and modernizing the lending experience. Our goal is a seamless, tech-enabled mortgage process. We automate mortgage origination by partnering with engineers and product leaders to build systems that eliminate manual toil and deliver a self-service mortgage experience. The result is rates significantly below the national average, saving clients thousands over the life of their loans.

We are systems builders, not process followers. Team members execute high-quality mortgage processes while actively identifying opportunities to improve automation—better logic, better design, less toil. We hire critical thinkers who don’t just want better tools; they think carefully about how every tool should work. Every team member understands the “why” behind each step.

We operate as one integrated unit. We work as a single team with end-to-end fluency across the origination lifecycle. No traditional silos. This cross-functional depth lets us move faster, catch problems earlier, and evolve quickly.

Our interview process is intended to be insightful for you and us. We’re charting a unique path in home lending, so mutual fit is a top priority. After a conversation with our recruiting team, you will complete a 15–20 minute take-home assignment. From there, you’ll meet our mortgage operations leads before a cross-functional final round.

Responsibilities

• Review loan file and gather any items needed for final loan approval
• Act as liaison between all operational and sales departments in the transaction
• Order supporting documentation
• Evaluate loan applications for reasonableness and, if needed, escalate files for further evaluation
• Prioritize daily workload to ensure a delightful client experience
• Manage a full pipeline of assigned loans, driving files from disclosures signed through closing
• Provide excellent client communication throughout the loan process
• Communicate with third-party vendors to finalize the application
• Ensure adherence to investor and regulatory guidelines
• Proactively maintain loan pipeline, tasks, and objectives
• Adopt company values in work behaviors, decision-making, contributions, and interpersonal interactions
• Contribute to a positive work environment by demonstrating cultural expectations and influencing others to reward performance, accountability, diversity and inclusion, flexibility, continuous development, collaboration, creativity, and fun

Expertise

• Customer-focused, business-centric, and team-oriented mindset; relentlessly passionate about finding and completing valuable work
• Strong working knowledge of federal and state regulations including TRID and HMDA
• Deep understanding of mortgage loan products and underwriting guidelines
• Self-driven with the ability to work independently and collaboratively
• Excellent organizational skills, able to set and meet deadlines in a high-paced environment
• Demonstrated ability to communicate effectively and influence positive outcomes at all levels of an organization
• Intellectually curious and interested in applying technology to enhance business processes
• Prior experience in retail mortgage loan processing
• Openness to adapting to industry changes

Requirements

• 4+ years mortgage processing experience in a retail environment
• Mortgage Loan Originator License preferred (or ability to obtain in 90 days)
• Knowledge of Conventional Conforming and Jumbo guidelines
• Experience in the non-delegated space
• Experience at a mortgage broker preferred
• Understanding of state and federal lending regulations
• Extensive knowledge and understanding of customer service and intrapersonal best practices

Pay

Estimated annual salary range: $56,000 – $70,000 plus equity and a discretionary bonus.

Benefits

• Medical, vision, and dental coverage
• 401(k) plan
• Generous time off and parental leave
• Wellness reimbursements
• Professional development opportunities
• Employee investing discount

About Wealthfront

Wealthfront’s mission is to create a financial system that favors people, not institutions. We leverage technology to build powerful, low-cost, and easy-to-use financial products that help modern investors grow and manage their money.

We started by transforming the investment advisory business, automating strategies typically reserved for the wealthy and unlocking access to high-quality investment advice for a digitally native generation underserved by traditional institutions. Since then, we’ve expanded to a full suite of products designed to help clients turn savings into long-term wealth, including:

• A Cash Account that, through partner banks, offers one of the highest annual percentage yields on uninvested cash in the industry, with instant and secure access, no account fees, and a full suite of checking features
• A zero-commission stock investing account with 50+ handpicked collections to help DIY investors discover new companies and make smarter decisions
• Multiple automated investing portfolios designed to unlock tax savings through sophisticated strategies like fixed income, tax-loss harvesting, and direct indexing—offered at industry-leading low costs and accessible minimums

Our award-winning products have attracted over 1 million clients who trust us with more than $90 billion of their hard-earned savings—and we’re far from done.