Valon’s mission is to empower every homeowner. We believe the journey of home ownership starts when you get your keys, but lasts far beyond. We’re creating a world where home ownership comes with ease, security, and financial know-how. Our growing team of engineers, operators, product enthusiasts, and experienced servicing professionals are leveraging technology to fundamentally improve the homeownership experience. Through mortgage servicing—the process of paying off one’s mortgage—Valon is taking the first step in transforming the industry one homeowner, and lender, at a time.

Lending at Valon

Valon is scaling up its mortgage lending business, which aims to provide Valon homeowners the ability to access low-cost, streamlined mortgage loans and give Valon partners tools they need to retain customers. As a member of the Lending Department, you will make it faster, easier, and cheaper for homeowners to get loans by reinventing the homeowner’s journey. We are looking for experienced and innovative individuals who are eager to transform the mortgage industry for the better by building our team and business.

About this Role

The Consumer Direct Mortgage Loan Officer will provide loan solutions for existing and prospective customers of Valon Mortgage. This individual will report to the Originations Manager and be responsible for providing best-in-class customer service to support Valon’s strategic goals. The primary objective of this role will be to recapture future purchase and refinance loans for customers with mortgages within Valon’s servicing portfolio, strengthening both customer and investor relationships.

Responsibilities

Recommend loan solutions to Valon’s existing portfolio of servicing and prospective customers sourced through strategic initiatives
Refer products and develop solutions tailored to customers’ specific goals
Be the primary point of contact throughout the lending journey with Valon
Collect and analyze customer financial documentation as required by investor guidelines
Analyze required documentation and disclosures for accuracy and compliance
Manage customer pipeline to maintain efficiency, meeting required pull-through ratios and production targets
Collaborate effectively with cross-team members to move milestones forward efficiently
Escalate customer concerns to management to ensure the customer is presented with timely solutions

Ideal Background

Bachelor’s degree or equivalent work experience
Comprehensive knowledge of federal regulations, including RESPA, TILA, ECOA, TRID, and CFPB
Thorough understanding of the underwriting process as well as agency and investor requirements
Experience with industry technology (e.g. DU, LP, Encompass, CRM)
Strong communicator with excellent writing abilities
High integrity with strong ethical values
Team player with ability to work effectively with cross-team members
Eager to join a highly dynamic team and play a role in a high-growth, transformative project

Minimum Qualifications

3+ years of mortgage origination experience
2+ years of consumer direct mortgage experience
NMLS eligibility throughout employment
Active state licenses per NMLS

Benefits

Compensation: competitive salary and the option to partake in our performance bonus program and 401k plan
Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits, a One Medical membership, and a Talkspace subscription to provide mental health support
Food & meals: in-office snacks and drinks, Bagel Fridays, and regular food trucks on premise
Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
Grow together: Company-wide orientation for you to successfully onboard alongside other learning and development opportunities, including regular review cycles that feature 360 degree feedback
Play together: quarterly budgets for team and company outings. Use it for team swag, cooking classes or team dinners!
Generous time off: 17 days paid time off, sick days, and 11 company holidays

Throughout the interview process, please remember that emails will only be from valon.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@valon.com if you have any requests to verify the authenticity of an outreach.

Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.

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