OJO is committed to fostering an environment where all employees and candidates can thrive, grow, and lead. We strongly encourage members of marginalized communities, including people of color, lesbian, gay, bisexual, transgender, queer and non-binary people, veterans, parents, and individuals with disabilities, to apply with OJO
. If you feel like you don’t meet all of the requirements for this role, we encourage you to apply anyway. We know the confidence gap and imposter syndrome gets in the way of meeting incredible candidates and we don’t want anything to get in the way of meeting you. If you need any assistance completing any forms or to otherwise participate in any portion of our interview process, please reach out to recruiting@ojolabs.com.
About OJO
OJO is an Austin-based real estate technology company partnering with the top real estate agents and teams to deliver value to millions of consumers on its platform. The company’s platform for buying, selling, and homeownership meets people wherever they are on their journey, offering personalized guidance every step of the way. Through a bespoke combination of people and technology, OJO cultivates a deep understanding of individual needs and preferences, matching people with the right tools and trusted providers to equip anyone to unlock the abundant benefits of home ownership.Our residential search site Movoto provides personalized recommendations and highlights listings best suited to each consumers’ needs and preferences, so they never miss a home that might be the right fit.
OJO Homeowner, our home management and finance tool, helps consumers uncover hidden savings, monitor equity, and plan for the future, whether managing their home as an asset or identifying the right time to sell. We also have a network of top-rated real estate agents and teams on our OJO Pro+, OJO Pro, and OJO Select Network platforms, to match each consumer with the expert who can best support their individual journey.As one of the fastest-growing companies in the U.S., OJO has placed 29th on the Deloitte Tech Fast 500 and 49th on the Inc. 5000. To date, the company has raised more than $140 million to fuel its rapid growth. CEO and Founder, John Berkowitz, has been named EY Entrepreneur of the Year for Central Texas and a top CEO by the Austin Business Journal and the company’s executives have won more than a dozen industry awards in the past year. OJO is headquartered in Austin, Texas and has employees globally with a presence in Chicago, Minneapolis, and San Mateo; and a large operations center in St. Lucia.We consistently incorporate social and environmental impact into decision-making at OJO because we consider it important to the success of our business and our overarching purpose to equip anyone to unlock the abundant benefits of homeownership. From saving to buying, owning to selling, we guide people through all the twists and turns along the way.
So they can unlock more than just the front door.
About the Role
We are seeking a highly motivated and experienced Licensed Loan Officer Assistant to join our dynamic team. The ideal candidate will be intimately familiar with retail purchase loan origination, working closely with real estate agents, structuring loans, analyzing income, running Automated Underwriting Systems (AUS), and overall managing purchase loan transactions from application to close. This role requires excellent communication, organizational, and analytical skills, with a strong commitment to providing exceptional customer service.
Location:
This position can work from home in Arizona but our ideal candidate lives/works in the Tucson, AZ.
What you’ll do:
- Loan Origination Support
- Assist the Loan Officer in originating retail purchase loans, including following up with agents and borrowers by phone, text and email.
- Ensure accurate and timely completion of loan applications and related documentation.
- Gather and organize all required borrower information and documentation.
- Get customer prequalified and issue pre-qualification letters to borrowers and their agents
- Follow up with agents and borrowers to nurture them until they get in contract
- Real Estate Agent Collaboration
- Work closely with real estate agents to facilitate smooth loan transactions.
- Provide updates and communicate effectively with real estate agents throughout the loan process.at least weekly using video and high tech tools.
- Loan Structuring
- Analyze borrower profiles and structure loans to meet their financial needs and goals.
- Ensure loans comply with all regulatory and company guidelines.
- Get loans properly documented and approved in AUS, upload and disclose loan to issue loan estimate, work with closely with assign loan coordinator to insure loans get through underwriting and are approved quickly.
- Income Analysis
- Review and analyze borrower income documents, including pay stubs, tax returns, and financial statements.
- Ensure accurate calculation of income and debt ratios and enter into loan origination system and run AUS.
- Automated Underwriting System (AUS)
- Run loan applications through AUS to determine eligibility and risk assessment.
- Interpret AUS findings and take appropriate actions to address any conditions or issues.
- Get loans approved, issue pre-quals, and move files into processing as needed
- Transaction Management
- Oversee the entire purchase loan process from application to closing
- Coordinate with all parties involved, including borrowers, real estate agents, underwriters, and closing agents.
- Monitor loan progress and ensure timely resolution of any issues or delays while maintaining world class communication with all parties.
- Customer Service
- Provide exceptional customer service to borrowers, answering their questions and addressing their concerns promptly.
- Educate borrowers on loan products, processes, and requirements.
What we need from you:
- Active and valid AZ mortgage loan officer license.
- Minimum of 2-3 years of experience in retail purchase loan origination.
- In-depth knowledge of mortgage loan products, guidelines, and regulations.
- Strong understanding of income analysis and loan structuring.
- Proficiency in running and interpreting AUS findings.
- Excellent communication and interpersonal skills.
- Strong organizational and time management skills.
- Ability to work independently and as part of a team.
- Proficiency in mortgage lending software and Microsoft Office Suite
- Experience with brokering loans to United Wholesale Mortgage is a must
What do we have to offer?
- Equitable Pay Practices
- Equity
- Generous PTO
- 20+ Paid Company Holidays
- Options for 100% Coverage of Employee and Dependent Medical Health Premiums
- Robust Ancillary Benefit Offerings Including Dental, Vision, Life Insurance and Disability Coverage, and Pre Tax Savings Accounts
- Talkspace Access for Employees and Their Dependents
- Home Office Stipend
- Monthly Wellness Stipend
- Generous Paid Parental Leave
- Investment in Continued Learning
- Promote from Within Philosophy
- Volunteer Program
Ready to join us? Here’s what to expect next:
Step 1: Complete the application belowStep 2: Recruiter Phone ScreenStep 3: Hiring Manager Video InterviewStep 4: Subject Matter Expert/Technical Video InterviewStep 5: Final Round Interview + Role-specific Project Assignment (for many roles)
Diversity and Inclusion at OJO:
OJO is an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We provide equal employment opportunity to all employees and applicants for employment and do not discriminate on any basis prohibited by law, including race, color, sex, gender, sexual orientation, gender identity or expression, pregnancy, age, religion, national origin, disability, marital status, and veteran status. We provide equal employment opportunities at all stages in the employment process, including hiring, recruitment, selection, compensation, benefits, promotion, demotion, layoff, termination, and all other terms and conditions of employment.
Further, all of our employees have a responsibility to treat others with dignity and respect at all times.Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. A reasonable accommodation is a change in the way things are typically done which will ensure an equal employment opportunity without imposing undue hardship on OJO. Please reach out to recruiting@ojolabs.com if you need assistance completing any forms or to participate in any portion of the application or interview process.
