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Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care.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 are seeking a Mortgage Loan Processor to take ownership of residential mortgage loan files and fulfill the requirements necessary to advance them to closing. This person will play a key role in obtaining, reviewing, and assembling documentation, as well as preparing and submitting files. The ideal candidate has a demonstrated track record of providing exceptional customer service to both internal and external partners. The ideal candidate can also effectively communicate with borrowers to set proper customer expectations, ensure smooth closing, and resolve issues with a strong sense of urgency.

Responsibilities

• Fund a pipeline of up to 25 brokered first mortgages or 50 brokered second mortgages simultaneously

• Process loans in accordance with purchase contract deadlines and rate-lock expiration requirements

• Review newly assigned files within 48 hours of receipt to confirm required compliance disclosures were issued within mandated timeframes

• Prioritize and manage daily workflow to ensure timely and accurate loan processing

• Analyze documentation to calculate verified income, validate assets, and update internal and external systems (e.g., Vesta)

• Support implementation and ongoing utilization of the new Loan Origination System (LOS), Vesta

• Maintain consistent communication with borrowers and loan officers regarding loan status, outstanding conditions, and material changes

• Proactively identify potential processing issues and implement appropriate resolutions

• Investigate discrepancies, address red flags, and resolve complex loan challenges using sound judgment

• Accurately document and record all critical updates within internal and external systems (e.g., Vesta)

• Prepare complete and compliant loan files for underwriting and closing

• Clear underwriting approval and/or suspense conditions in a timely manner

• Assist in resolving post-closing conditions to mitigate financial risk

• Perform additional duties and responsibilities as assigned

Ideal Background

• Bachelor’s degree—or equivalent work experience.

• Thorough understanding of relevant federal rules and regulations (e.g. RESPA, TILA, ECOA, TRID, CFPB).

• Thorough understanding of the underwriting process and agency requirements.

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

• Proven customer service skills

• Strong communicator with excellent writing abilities

• High integrity with strong ethical values

• Ability to manage multiple tasks and or projects simultaneously

• Team player with the 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

• Demonstrated ability to perform effectively in a fast-paced, dynamic environment characterized by continuous change

Minimum Qualifications

• 3+ years of mortgage processing or underwriting experience.

• Experience working with Vesta (Loan Operating System) is a PLUS! Encompass experience is also preferred.

• 2+ years of vendor management experience with regard to third-party services.

• Knowledge of state lending laws and regulations.

• Experience using government sites for VA and FHA files to place orders and obtain case numbers.

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

Benefits

• Compensation: Competitive salary 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.

• 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 email addresses. We will never ask 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.