Mortgage Underwriter Team Lead

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. Tomo is expanding our mortgage operations team, and we’re on the hunt for a high-impact Underwriting Team Lead to drive our success. In this role, you will be the "player-coach" of a dynamic underwriting squad, ensuring loan quality and efficiency by blending advanced technology with strategic human oversight. The ideal candidate is a bold, technical expert who loves to be in the weeds of the pipeline while simultaneously leveling up the team around them. You aren't just checking boxes; you are helping us modernize the loan origination system (LOS) and optimize workflows in a fast-paced, tech-forward environment.

Responsibilities

Balance pipeline of new reviews among the team; Lead bi-weekly team meetings to resolve complex loan-level issues and technical questions; Own internal knowledge base (Guru) ensuring content is verified and updated; Monitor Scenario Desk and internal channels to provide real-time guidance; Lead onboarding and training for new hires on LOS (Byte) and AI-driven tools; Collaborate with Underwriting Manager on strategic projects, product updates, and LOS modernization efforts

Requirements

5+ years of recent mortgage underwriting experience; Proven track record of informal leadership or mentoring; Deep knowledge of Conventional, FHA, VA, and Jumbo loans; Tech-savvy and early adopter of technology; Analytical rigor with meticulous attention to detail; Ability to translate complex guidelines into actionable advice; Ability to thrive in a high-change, startup-style environment

Nice to have

DE and VA/SAR certifications are highly preferred; Experience with Byte or similar LOS platforms is a plus

Benefits

Equity Ownership: All teammates receive stock options; 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; Paid parental leave; 401(k) retirement plan