Senior Loan Officer, Sales Lead

Milo • Miami, FL

1d • Onsite

About The Position

Milo is seeking a Senior Loan Officer, Sales Lead to drive revenue across their crypto mortgage and crypto-backed loan products. This is a hands-on role where the individual will originate and close loans, with the opportunity to lead Milo's sales team as the company grows. The role involves working closely with various departments to provide a best-in-class experience for a niche, high-net-worth market. Milo is an AI-first company, and they are looking for a leader who leverages AI tools daily to enhance efficiency and scalability. A strong understanding of cryptocurrency is essential.

Requirements

• 5+ years of residential mortgage origination experience as a licensed loan officer.
• A proven track record of originating $25M+ in personal annual funded volume.
• Experience with jumbo and non-agency lending.
• Proficiency in reviewing loan files, including income, assets, entity structures, and condo reviews.
• Fluent understanding of cryptocurrency and the ability to clearly explain crypto-backed lending to high-net-worth borrowers.
• Working knowledge of TRID, RESPA, ECOA, BSA/AML, and OFAC requirements.
• Experience using Encompass as an LOS and a CRM, managing pipelines through data.
• Comfortable with outbound prospecting and handling direct-to-consumer internet leads.
• Ability to engage clients on their schedule, including occasional evenings and weekends.
• Enthusiasm for startup environments, making a significant impact, and demonstrating a strong work ethic.
• Self-starter mentality with a proactive approach to identifying and improving repetitive tasks.
• Hands-on experience with AI tools like Claude or ChatGPT, demonstrating their use for time savings or increased business.
• Tech-savvy with the ability to quickly learn new systems, comfortable in a paperless, data-driven environment.
• Ambition to grow from a top producer into a sales leader at a rapidly growing company.
• An active NMLS Mortgage Loan Originator license in Florida.
• Willingness to obtain licenses in Milo's other lending states (Arizona, California, Colorado, Connecticut, Florida, Maine, New Jersey, North Carolina, Tennessee, and Texas), with licensing fees and study time covered by Milo.
• A clean NMLS record, and ability to pass state background, credit, and fingerprint checks.
• Current on SAFE Act continuing education.

Nice To Haves

• Experience at a fintech or crypto lender.
• Prior 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 abilities (English, Spanish, and Portuguese).
• A personal brand on X or LinkedIn.
• Experience building AI agents, automations, or prompts for a sales or lending team.
• Already licensed in any of Milo's other lending states.

Responsibilities

• Originate and close a pipeline of crypto mortgages and crypto-backed loans, from initial contact through funding.
• Recommend appropriate solutions (mortgage, crypto loan, or both) and clearly explain the benefits and tradeoffs to potential clients.
• Collaborate with AI agents daily, and over time, help define their roles, optimize human-AI interaction, and improve their capabilities in areas like lead follow-up, borrower inquiries, document collection, and pipeline updates.
• Assist in hiring and onboarding new loan officers as the team expands, and share successful strategies.
• Manage the sales funnel by promptly addressing inbound leads and tracking each loan from lead to application, lock, and funding.
• Report weekly to the CEO on pipeline status and progress towards origination goals.
• Structure loan scenarios and pricing, and present clear credit narratives for complex loan applications.
• Deliver complete, underwriting-ready files to Loan Operations and ensure the pipeline progresses to closing.
• Partner with the Servicing department to support borrowers post-closing.
• Develop referral partnerships with crypto platforms, wealth managers, CPAs, and real estate agents.
• Collaborate with Engineering and Loan Operations to continuously enhance the borrower experience.
• Act as a public representative for Milo, sharing borrower stories, competitive insights, and market feedback with the Marketing team.
• Adhere to Milo's state licensing map and Sales Compliance policy for all loan files.
• Utilize AI tools (e.g., Claude) across the sales process, including lead research, borrower communication, file review, pipeline reporting, and content creation.
• Identify manual tasks within the team and automate them, then implement new tools and workflows, coaching the team on their usage.
• Stay updated on new AI and fintech tools, evaluate their potential, and share findings with the Milo team.

Benefits

• Competitive base salary plus uncapped commissions on funded volume.
• Team override as you grow into leadership.
• Stock options.
• 4 weeks of PTO per year.
• Medical, dental, and vision insurance, with up to $1,000 of premiums covered per month.
• 401(k) program.
• Additional state licenses, renewals, and ongoing training paid for by Milo.
• Choice of equipment to get the job done.
• Quarterly team building events outside the office.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed