Junior Mortgage Loan Processor Team Lead
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.
Team Leadership
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
Monitor team workload and redistribute files as needed to ensure SLAs are met
Conduct regular 1:1s and contribute to performance reviews for direct reports
Serve as the first escalation point for complex file issues, flagging to the Junior Loan Processing Manager when needed
Pipeline & Quality Oversight
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
Third-Party Coordination & Subject Matter Expertise
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
Who You Are
35+ 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
Why This Role Matters
Your team is the engine that keeps loans moving. By leading them well and teaching them to handle the complex pieces of the pipeline you directly impact how fast and smoothly Tomo closes loans for real customers. This is a high-visibility role with a clear path toward Operations leadership.
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 optionswe 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