Consumer Direct Mortgage Loan Officer

About the Company

Valon is transforming both mortgage servicing and consumer direct lending with a technology-first approach. Backed by Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care. By unifying processes into a modern, AI-native operating system, we’re leading the way in automation, compliance, and continuous improvement across our servicing and lending businesses.

Our mission is to empower every homeowner by making the mortgage experience simple, secure, and financially empowering. To achieve this, we bring together world-class engineers, servicing experts, lending professionals, and operations leaders who share a passion for improving the homeowner journey. We’re not only reshaping what servicing and lending look like today—we’re creating opportunities for talented people to help drive the future of the industry.

As we continue to grow, Valon is expanding its footprint across multiple states, opening the door to exciting new roles and career paths. Joining Valon means becoming part of a fast-scaling company where innovation, collaboration, and customer impact go hand in hand. Mortgage is just the beginning—we’re building the future of regulated finance, and we want you to be part of it.

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

We’re seeking a Consumer Direct Mortgage Loan Officer to provide loan solutions for existing and prospective customers of Valon Mortgage. This individual will 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 customer and investor relationships.

Responsibilities

• Serve as customers’ primary point of contact throughout the lending journey.

• Recommend curated loan solutions to prospective and existing Valon customers.

• Escalate customer concerns to management to ensure timely resolution.

• Streamline and manage pipeline, meeting required pull-through ratios and production targets.

• Collect customer documentation as required by investor guidelines.

• Analyze documentation and disclosures for accuracy and compliance.

• Collaborate with other members of the department to meet deadlines efficiently.

Why You Should Join Us

• Industry-Leading Results: Our homegrown servicing platform and best-in-class marketing helps us achieve a 50%+ refi recapture rate with 95% inbound leads, many as completed applications.

• Work-Life Balance: Our MLOs can expect to close $2 million a month without overtime by simply showing up, leaning in, and working the system.

• Quick Ramp-Up: No lengthy training period - most Valon MLOs clear $1mm in funded volume in their first full month or production at Valon.

• Hybrid Work Options: Valon MLOs who hit their targets have the flexibility to work from home part of each work week.

• Supportive Culture: Our tight-knit team of industry veterans emphasizes open communication, healthy competition, and close collaboration.

Ideal Background

• Bachelor’s degree—or equivalent work experience.

• Comprehensive knowledge of federal regulations (e.g. RESPA, TILA, ECOA, TRID, CFPB).

• Active MLO state licenses in NMLS.

• Thorough understanding of the underwriting process and agency and investor requirements.

• Strong written and oral communication skills.

• Ability to collaborate with other team members.

Minimum Qualifications

• 3+ years of mortgage originations experience.

• 2+ years of consumer direct mortgage experience.

• Previous experience with relevant technology (e.g. DU, LP, Encompass, CRMs).

• Ability to obtain and maintain MLO state licenses throughout tenure with the company.

• Minimum education requirement: High school diploma or GED equivalent required

Benefits

• Compensation: Competitive salary plus monthly commission on all production up to 55 Basis Points and a 401(k) plan—with a 4% annual match!

• Hours: No weekends or late nights required!

• Generous amount of paid time off: 17 days of paid time off, 5 additional paid sick days, and 11 paid company holidays!

• Health & well-being: We’ll invest in your physical and mental well-being with comprehensive, low-cost medical, dental, & vision benefits, and an EAP for additional support!

• Food & meals: In-office snacks and drinks (and Bagel Fridays)!

• Grow together: We set new employees up for success with our company-wide New Hire Orientation! Other learning and development opportunities include quarterly possibilities for promotion and annual performance reviews.

• Baby bonding time: Birthing and non-birthing parents receive 12 weeks of FULLY PAID time off to focus on their new addition(s)!

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 [email protected] 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.