Who We Are

Tomo is a digital mortgage company on a mission to eliminate the greed and complexity in lending, helping homebuyers save thousands of dollars. Our AI-driven customer experience makes the lending process faster, less frustrating, and more affordable. By passing these savings directly to homebuyers, we eliminate excessive fees and inflated rates that cost Americans billions each year. Backed by top-tier venture investors, including Ribbit, Citi Ventures, NFX and Progressive Insurance, Tomo is poised to become one of the most valuable fintech startups of our generation.

About the Role

We’re seeking a detail-oriented and motivated Accountant to join our NYC office. This role offers an exciting opportunity to apply strong technical accounting skills in the mortgage industry—no prior mortgage or loan-level experience required. We’re looking for someone with a passion for learning, exceptional organization, and a commitment to accuracy and service excellence.

You’ll play a key role in supporting our mortgage business by leading loan-level accounting processes, assisting with close and reporting tasks, and providing responsive support to reporting requirements.

Key Responsibilities

• Lead loan-level accounting activities for the Mortgage Business, including:

  • Month-end close tasks

  • Bank reconciliations

  • Accrued liabilities

  • Balance sheet reconciliations

  • Revenue recognition

• Assist in preparing monthly, quarterly, and annual reporting requirements.

• Support the year-end audit process by preparing schedules, reconciliations, and documentation as needed.

• Maintain accurate financial records and ensure compliance with accounting standards and internal policies.

• Manage all servicing requests and respond promptly to borrower inquiries, delivering a top-tier customer experience.

Qualifications

• Bachelor’s degree in Accounting, Finance, or a related field (CPA or progress toward CPA a plus).

• 2–5 years of relevant accounting experience.

• Strong technical accounting background and analytical skills.

• Excellent organizational abilities and high attention to detail.

• Effective written and verbal communication skills; ability to respond to inquiries with speed, accuracy, and care.

• Proficiency with accounting software and Excel.

What Makes You a Great Fit:

• Financial Curiosity & Industry Eagerness—You possess a strong drive to learn the mortgage industry and confidently navigate complex accounting structures and regulatory environments.

• Exceptional Communication & Clarity—Your ability to articulate complex financial data clearly is crucial; you are persuasive, precise, and easily build rapport with both internal and external stakeholders.

• Grace Under Pressure—You maintain composure and focus when managing time-sensitive deadlines and unexpected challenges, ensuring financial accuracy and compliance, even when the heat is on.

• Grit and Motivation—You thrive in a performance-driven environment, viewing challenges as opportunities to apply your accounting expertise and drive successful outcomes.

• Beyond the Ledger Mentality—You are excited to get out from behind the numbers, contributing your insights to strategic business decisions and acting as a key partner to various departments.

• Multi-tasking and Follow-Through—You manage multiple financial tasks simultaneously, seeing every reconciliation, report, and project through to a complete, successful, and accurate outcome.

• A Positive, Coachable Mindset—You welcome feedback, are naturally curious about process improvement, and are committed to continuous professional growth.

What’s in It for You?

• Career growth: Multiple paths within Tomo, you’ll be a key member of the Accounting team as we scale.

• Equity ownership: All teammates receive stock options.

• Coaching and mentorship: You’ll learn directly from seasoned teammates who will provide hands-on training and help you navigate key rules and processes.

Great ideas come from everywhere. We welcome people of all identities, backgrounds, and experiences to apply.

Benefits

We strive to anticipate your needs in order for you to be a healthy, motivated, and happy team member. We provide a variety of competitive benefits including (but not limited to):

• Equity Ownership: All teammates receive stock options—we win together

• Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered

• Work-life balance and a generous paid time off policy

• In order to support teammates who become parents, Tomo Mortgage provides paid parental leave

• 401(k) retirement plan

Compensation Range: $90K - $120K