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, DST, NFX and Progressive, Tomo is poised to become one of the most valuable fintech startups of our generation.

• Review and underwrite high net worth borrower loan applications, including non-conforming scenarios with complex credit, income, and asset profiles
• Analyze credit reports, income documentation, asset statements, and appraisals to ensure compliance with internal guidelines and investor overlays
• Accurately review and calculate all income types, including self-employed income and complex tax returns
• Issue timely and accurate credit decisions including approvals, suspensions, and denials
• Perform cash flow analysis on personal and business bank statements to verify income and liquidity
• Evaluate loan applications to determine eligibility, acceptability, and compliance with investor, state, and federal guidelines
• Underwrite to multiple Non-Agency Jumbo and private investor guidelines in a dynamic and changing market
• Identify key factors affecting borrower and property eligibility for complex or atypical financial profiles and loan structures
• Collaborate effectively with sales, processing, and closing teams to ensure smooth loan processing
• Review resubmissions and conditions promptly and make final underwriting decisions as needed
• Maintain compliance with FNMA, FHLMC, Non-QM, and internal overlays
• Balance strong risk management with a customer-first mindset and quality loan decisions
• Utilize an analytical and methodical approach to underwriting Jumbo loans using the company’s unique upfront method
• Perform credit and collateral analysis on both conventional and Non-Agency Jumbo files
• Review initial submissions from production and origination staff and render accurate credit decisions
• Maintain awareness of regulatory changes and investor guideline updates
• Other duties as assigned