Underwriting&CreditPolicyDirector

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, Citi Ventures, NFX and Progressive Insurance, Tomo is poised to become one of the most valuable fintech startups of our generation. Location: New York City (NYC) Office Schedule: In-office Monday–Wednesday; remote flexibility Thursday–Friday ABOUT THE ROLE Tomo is expanding our mortgage operations team and seeking an exceptional Underwriting & Credit Policy Director to lead these functions. In this pivotal role, you will oversee a high-performing mortgage underwriting and risk team. You have been instrumental in building the architecture and foundation for multiple high growth mortgage lenders. You revel in both the craft of underwriting and the grind of building and leading. You are a systems thinker who embraces first principles - we have no aloof executives at Tomo, we are all doers and thinkers. KEY RESPONSIBILITIES - Leadership & Team Management: - Evolve the architecture of our high velocity process driving precision and speed. - Foster a culture of accountability, continuous learning, and high performance. - Underwriting Oversight: - Direct the underwriting operations, ensuring loan decisions are made in accordance with agency guidelines (FNMA, FHLMC, FHA, VA), investor overlays, and Tomo's internal credit policies. - Maintain high standards of accuracy, completeness, and sound risk assessment. - Continue to develop a team of excellent leaders - Credit Risk Management: - Evaluate and approve complex loan files, including those with layered risk, non-standard income documentation, and non-QM transactions. - Establi