5+ years of residential mortgage origination as a licensed loan officer
Track record of $25M+ in personal annual funded volume
Experience with jumbo and non-agency lending
Fluent in cryptocurrency and able to explain crypto-backed lending to high net worth borrowers
Working knowledge of TRID, RESPA, ECOA, BSA/AML, and OFAC requirements
Experience with Encompass as your LOS and a CRM
Tech-savvy and quick to learn new systems in a paperless environment
Responsibilities
Originate and close a pipeline of crypto mortgages and crypto-backed loans
Recommend tailored solutions for borrowers and explain trade-offs
Collaborate with AI agents to enhance sales processes
Help hire and onboard new loan officers as the team expands
Build and improve AI agents for lead follow-up and document collection
Track and report on loan progress from lead to funding
Develop referral partnerships with crypto platforms and wealth managers
Benefits
Competitive base salary plus uncapped commissions on funded volume
Stock options for ownership in a fast-growing company
Generous vacation policy with 4 weeks of PTO per year
Medical, dental, and vision insurance with premium coverage
401(k) program for future savings
Paid additional state licenses and ongoing training
Choice of equipment to enhance productivity
Quarterly team-building events
Office located in vibrant Wynwood with a dynamic team
Full Job Description
About the Role
The Senior Loan Officer, Sales Lead is a hands on producer who will own revenue across both of our product lines, crypto mortgages and crypto backed loans. Reporting to the CEO, you'll spend most of your time originating and closing loans yourself. As volume grows, you'll grow into leading Milo's sales team of AI agents and humans. Milo will invest in you, covering additional state licenses and ongoing training. You'll work closely with Loan Operations, Servicing, Marketing, Engineering and Compliance to give a niche, high net worth market a best in class experience. We're an AI first team, and we want a leader who uses tools like Claude every day to move faster, serve more clients and build a sales function that scales with technology, not just headcount. A deep understanding of cryptocurrency is a must!
Your Mission
Originate and close your own pipeline of crypto mortgages and crypto backed loans, from first call through funding
Recommend the right solution for each borrower, whether a mortgage, a crypto loan or both, and clearly explain the tradeoffs and Milo's value to clients who don't know us yet
Work alongside our AI agents every day, and over time help shape what agents handle, where people add the most value, and how the two work together
As the team grows, help hire and onboard new loan officers and share what's working
Build and improve AI agents for lead follow up, borrower questions, document collection and pipeline updates
Own the funnel by working every inbound lead fast, tracking each loan from lead to application, lock and funding, and reporting weekly to the CEO
Hit monthly and quarterly origination goals set with the CEO
Structure loan scenarios and pricing, and present clear credit narratives on complex files
Deliver complete, underwriting ready files to Loan Operations and keep the pipeline moving toward closing
Partner with Servicing to support borrowers after closing
Build referral partnerships with crypto platforms, wealth managers, CPAs and real estate agents
Work with Engineering and Loan Operations to keep improving the borrower experience
Be a credible public voice for Milo, and share borrower stories, competitive intel and market feedback with Marketing
Follow Milo's state licensing map and Sales Compliance policy on every file
Use AI tools like Claude across the sales process, from lead research and borrower follow up to file review, pipeline reporting and content
Find manual work on the team and automate it, then roll out new tools and workflows and coach the team to use them
Stay on top of new AI and fintech tools, test what's worth adopting, and share what works with the rest of Milo
About You
5+ years of residential mortgage origination as a licensed loan officer
A track record of $25M+ in personal annual funded volume
Experience with jumbo and non agency lending
Comfortable reviewing a file yourself, including income, assets, entity structures and condo reviews
Fluent in crypto, and able to explain crypto backed lending clearly to a high net worth borrower
Working knowledge of TRID, RESPA, ECOA, BSA/AML and OFAC requirements
Experience with Encompass as your LOS and a CRM, and you run your pipeline from data
Comfortable with outbound prospecting and direct to consumer internet leads
Engage clients on their timetable, including occasional evenings and weekends
Excited to join a startup, make a big impact and put in the hustle to get things done!
A true self starter who sees a repetitive task and builds a better way to do it, without waiting to be asked
Hands on with AI tools like Claude or ChatGPT, and able to show how you've used them to save time or close more business
Tech savvy and quick to learn new systems, comfortable in a paperless, data driven environment
Ambitious to grow from top producer into a sales leader at a fast growing company
Licensing Requirements
An active NMLS Mortgage Loan Originator license inFlorida is required
Willing to get licensed in Milo's other lending states, with licensing fees and study time covered by Milo. Our states are Arizona, California, Colorado, Connecticut, Florida, Maine, New Jersey, North Carolina, Tennessee and Texas
A clean NMLS record, and able to pass state background, credit and fingerprint checks
Current on SAFE Act continuing education
Already licensed in any of these states is a strong plus
Bonus Points for
Experience at a fintech or crypto lender, or some experience mentoring or leading other loan officers
An established referral network in crypto, wealth management or luxury real estate
Understanding of foreign national borrowers
Multilingual (English, Spanish and Portuguese) a plus
A personal brand on X or LinkedIn
Experience building AI agents, automations or prompts for a sales or lending team
Our Benefits & Perks
Competitive base salary plus uncapped commissions on funded volume, with a team override as you grow into leadership
Stock options, giving you ownership in a fast growing company
A generous vacation policy with 4 weeks of PTO per year, so you can disconnect, relax and recharge
Medical, dental and vision insurance, with up to $1,000 of premiums covered per month
The option to save for your future through our 401(k) program
Additional state licenses, renewals and ongoing training paid for by Milo
Your choice of equipment to get the job done!
Quarterly team building events outside the office
An office in vibrant Wynwood with a fun, energetic, hardworking team
