Mortgage Loan Officer

The role

Most loan officers are about to spend the next decade competing with AI. You'd be running it.

At Ralo, the AI does the origination: intake, document collection, structuring, rate scenarios, disclosures, all of it. What it can't do is be a licensed human who knows when something's off. That's the job. You supervise the work, make the calls the model can't, and you're the loan officer named on every file. When the AI gets it right, you close loans faster than any traditional shop. When it doesn't, you're the reason the borrower never knows there was a problem.

The part that's genuinely rare: you don't just work the system, you teach it. Every exception you untangle and every mistake you catch goes back into how Ralo originates the next thousand loans. Your experience stops being something that closes one deal at a time and starts setting the standard for all of them. There are only a handful of people in the country who get to do that right now, and we're hiring one of them.

If you've originated for years and you can see where this is going, and you'd rather drive it than get optimized around, come build it with us. If what you want is to work a personal pipeline on commission and never touch the process behind it, this isn't the right seat.

What you'll own

Be the loan officer of record. Serve as the named, licensed MLO on the Loan Estimate and Closing Disclosure, and the compliant human point of contact the borrower can reach. You stand behind every file with your name and NMLS ID on it.

Supervise the AI across the loan lifecycle. Review the AI's work — structuring, rate quotes, conditions, disclosures — and sign off that it's right before it reaches a borrower. You're the last set of eyes between the model and the customer.

Own the exceptions. Handle the cases the AI escalates: the borrower who doesn't fit the happy path, the document that doesn't reconcile, the scenario that needs human judgment and experience to resolve. This is where five years of doing the job actually pays off.

Make the AI better. Flag the errors, the false approvals, the conditions it misses, and turn them into feedback the model actually learns from. You'll help write the playbooks and build out the edge-case library it runs on. Fix something once and you've fixed it for every loan after.

Quote rates and guidelines with accuracy and fairness. Make sure what the system tells borrowers is right, compliant, and defensible.

Own compliance at the point of contact. Ensure each file meets TRID, RESPA, and ECOA requirements and investor guidelines, and keep an eye on fair-lending and explainability as the AI does more of the work. When something looks off, you're the one who catches it.

What the role is (and isn't)

In scope: human-in-the-loop oversight of Ralo's AI across the loan lifecycle, being the licensed loan officer of record and compliant point of contact, reviewing and validating AI outputs, handling escalations and exceptions, and feeding corrections back to improve the system.

Shared: the AI does the heavy lifting — intake, documents, structuring, rate scenarios, disclosures — and you supervise it; product and engineering build the AI, and you tell them where it's wrong and how to fix it.

Not your job: prospecting or generating your own leads (the business brings the borrowers), building the models yourself (that's engineering), and owning the marketing funnel, brand, or PR.

What you'll need

• 3+ years originating residential mortgages, with the depth to make judgment calls the AI can't.
• An active NMLS Mortgage Loan Originator license in good standing, and the willingness and ability to add state licenses as we grow.
• Real product fluency across conventional (Fannie Mae / Freddie Mac, including DU and LP/LPA), FHA, VA, USDA, and jumbo, plus the guideline knowledge to spot when something doesn't fit.
• Comfort working inside a tech stack — LOS, CRM, POS — and the instinct to learn new tools fast.
• The judgment to read the AI's work critically and catch what's wrong, instead of rubber-stamping whatever it hands you.
• Genuine accountability for the loans you put your name on, and the compliance discipline to back it up.
• An early-stage operator's instinct: you ship, you take ownership, and you find a way through ambiguity. The tools and process will change under you constantly, and that's the fun part, not the scary part.

This is an in-person role at our New York City office (Flatiron).

Nice to have

• Active licenses in multiple states already.
• Background in fintech, mortgage tech, or another technology-forward lender.
• Genuine interest in AI/ML and a track record of making a process or system better, not just working within it.
• Experience as the first or earliest licensed hire somewhere.
• Genuinely bought into Ralo's mission to make mortgages affordable.

What we offer

• A competitive compensation package (competitive base + performance bonus) with meaningful early-employee equity.
• A top-tier team to build with, including people from Y Combinator, Google, and Goldman Sachs.
• A low-bureaucracy environment: minimal meetings, maximum ownership.
• A high bar focused on execution, learning, and continuous improvement.
• A front-row seat to AI reshaping an entire industry, as one of the few licensed people in the country actually building it.