Mortgage Loan Officer

Mortgage Loan Officer (MLO)

Splash Financial is seeking a motivated and customer-obsessed Mortgage Loan Officer (MLO) to join our growing Lending team. In this role, you'll serve as a trusted advisor to borrowers, guiding them through the mortgage process with empathy, clarity, and confidence. You'll play a key role in helping our customers achieve their financial goals while delivering an exceptional experience that reflects Splash's values. As we continue expanding into the mortgage space, you'll have the opportunity to help shape our strategy, influence new product offerings, and work cross-functionally with operations, product, and compliance teams. This is a unique chance to join a mission-driven fintech company at a pivotal moment in its growth journey. If you're passionate about helping people make smart financial decisions and enjoy a fast-paced, collaborative environment, we want to hear from you!

Splash Financial is remote-first, and proud of it — though our collections team works in-person at our Arizona location. We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we're focused on building financial technologies that fundamentally transform how the industry lends. Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We're good people who care deeply about doing meaningful work and we approach challenges with creativity, passion, and urgency. And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar.

At Splash, everything we do is guided by our values: Own It – We take full accountability and follow through on commitments. Raise the Bar – We move fast, innovate faster, and push through barriers. Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better. Elevate Each Other – We win as a team by lifting each other up. These values show up in how we work and how we connect — whether we're collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food because we believe being human makes us better teammates.

This role is only open to candidates based in the Cleveland, OH area. It's remote, with 1–4 days per month required in our downtown Cleveland office to support operational processes. Applicants must hold an active NMLS license with the ability to obtain the Ohio endorsement post-hire.

Advise customers on mortgage loan products and guide them through the end-to-end application and approval process. Build and maintain strong relationships with borrowers, offering consistent and clear communication throughout their journey. Collaborate with underwriting and processing teams to ensure timely and accurate loan closings. Stay informed of lending regulations, market trends, and mortgage product updates to provide expert guidance. Contribute feedback to help refine and improve Splash's mortgage processes, tools, and customer experience.

Active NMLS license with the ability to obtain the Ohio endorsement post-hire. 1+ years of experience in residential mortgage lending with a track record of meeting or exceeding performance goals. Excellent interpersonal and communication skills, with a customer-first mindset. Strong knowledge of mortgage products, regulatory requirements, and loan processing workflows. Tech-savvy and comfortable using digital tools to manage leads, documentation, and customer interactions.

The base pay range for this role is $32.30 to $40.05 per hour, based on market data and internal compensation practices. Final compensation will be determined by factors such as location, experience, and skill level.

Splashers enjoy: Fully remote work freedom (for most roles) Competitive salary packages Flexible PTO + 9 company holidays Equity: Share in our start-up success Comprehensive and affordable insurance benefits Paid parental leave for both caregivers Essential modern equipment to get the job done Fully paid Claude subscription to supercharge your work 401(k) for your future savings Quarterly meet-ups: In person & virtual fun Awesome Splash swag to flaunt your team spirit

Employment at Splash is based on individual merit. Opportunities are open to all, without regard to race, color, religion, sex, creed, age, handicap, national origin, ancestry, military status, veteran status, medical condition, marital status, sexual orientation, affectional preference, or other irrelevant factors. Splash is an equal opportunity employer.

Job Offer & Recruitment Scam Notice

At Splash Financial, we want candidates to feel confident and safe throughout the hiring process. Unfortunately, scammers sometimes pose as employers to trick job seekers into sharing personal information or money.

Please be aware:

• Splash Financial will never ask for payment, banking details, or cryptocurrency as part of our hiring process.
• All legitimate job communications from Splash Financial will come from an @splashfinancial.com email address.
• We do not conduct interviews solely via text message or chat apps.
• Any offer of employment will be made only after a formal interview process and will be sent directly from Splash Financial.

If you receive a suspicious message:

• Do not respond or share personal information.
• Do not click on unknown links or download attachments.
• Report the message to View email address on click.appcast.io