Senior Loan Officer

Quick Summary

Drive Kin’s mortgage expansion by converting high-intent homeowners into funded loans. Own your pipeline, close deals, and help scale a new financing vertical.

Who we are

Kin makes life simpler, more affordable, and better for homeowners — especially in the places where climate risks, rising costs, and outdated systems make it harder. We start with smarter homeowners insurance and expand to everything homeowners need to thrive.

Using data, technology, and thoughtful human support, we’re building products that are clear, fair, and help homeowners feel confident — so homeowners aren’t left behind when they need help most.

Founded in 2016, Kin is a remote-first employer with Kinfolk across more than 35 states. We serve customers in 13 states (and counting). Our disciplined growth, strong customer satisfaction, and focus on long-term sustainability fosters outstanding growth, attracts marquee investors, and earns recognition and accolades, including:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2026)

• Forbes' America's Best Startup Employers (2021-2024)

• Inc. 5000 Fastest-Growing Private Companies

• Forbes’ Fintech 50 (2025-2026)

• Great Places to Work Certified (2024-2026)

Most importantly, we’re building Kin to be a place where people do meaningful work with real impact — for our customers, our communities, and each other. We're excited to tell you more about how you can contribute to our rapid growth, strong unit economics, profitability, and excellent customer ratings. To learn more about how we work and what we’re building, visit kin.com and see how we work.

The opportunity

We’re looking for a Senior Mortgage Loan Officer to help us launch and scale Kin’s mortgage offering for existing homeowners. As we expand beyond insurance into smarter home financing, this role sits at the center of revenue growth, customer experience, and operational excellence.

You’ll convert high-intent Kin policyholders into mortgage customers, manage the full loan lifecycle, and help shape the foundation of a new vertical. This is an opportunity to build something from the ground up — partnering with Marketing, Operations, and Compliance to create a scalable, compliant, and high-performing mortgage channel.

Your responsibilities

• Own and grow a self-sourced and company-provided pipeline of mortgage opportunities with existing Kin customers

• Lead the full lifecycle of mortgage originations, from initial outreach through application, underwriting coordination, and closing

• Proactively contact customers via phone, text, and email to understand financial needs and recommend appropriate loan products

• Structure loan scenarios, analyze borrower qualifications, and price loans accurately to optimize approval and close rates

• Partner with Marketing to refine lead-generation campaigns and improve funnel conversion performance

• Maintain strict compliance with federal and state mortgage regulations, ensuring accurate documentation and adherence to NMLS requirements

• Track, analyze, and report on pipeline metrics, conversion rates, and revenue performance to continuously improve results

• Maintain accurate, detailed records of customer interactions and loan status in CRM and LOS systems

• Stay current on market trends, competitor offerings, and underwriting guidelines to position Kin Mortgage effectively

Success in this role

In your first 6–12 months at Kin, success is less about checking boxes and more about the impact you create. You’ll use your skills and judgment to take ownership of meaningful work, improve how we operate, and help move Kin’s mission forward. Along the way, you’ll deliver outcomes that make a real difference for both Kinfolk and the homeowners we serve.

By the end of your first year, you should feel confident in your role, trusted as an owner, and proud of the progress you’ve helped make.

• You are consistently meeting or exceeding monthly funded loan and revenue targets

• Conversion rates from inbound Kin leads improve due to your consultative sales approach and disciplined follow-up

• Actionable insights from your pipeline data influence marketing strategy and improve overall channel performance

What you’ll bring

• 3+ years of purchase mortgage origination experience as an active NMLS Loan Originator

• Active Florida, California, or Texas state mortgage license(s)

• Completion of 20-hour SAFE Pre-licensing Education and successful passage of the SAFE Mortgage Loan Originator Test (National Component with Uniform State Content)

• Demonstrated experience managing the full lifecycle of mortgage loans from prospecting through closing

• Deep knowledge of loan structuring, pricing strategies, underwriting scenarios, and borrower qualification

• Proficiency with Loan Origination Systems (e.g., Arive, LendingPad, Encompass) and mortgage-related tools

• Proven track record of achieving and exceeding sales targets in a performance-driven environment

• Strong client communication skills with the ability to explain complex loan options clearly and confidently

How we hire

We believe a great hiring experience should be clear, respectful, and human. We’ll accept applications for this position until April 27, 2026. While our recruiting team uses AI tools for efficiency, resumes are still screened by Kin’s in-house recruiters, and candidate evaluations and hiring decisions are made by recruiters and hiring teams. Rest assured, real people make real decisions.

The hiring process and timeline for each role will vary, depending on the position. However, here are some things you can expect from us:

• Prompt updates and feedback following interviews

• Interviews with recruiters, hiring managers, and members of teams

• Skills assessment relevant to the position, if applicable

• Genuine, thoughtful human interaction at every step

How we support you

We offer a comprehensive, competitive benefits program, allowing you to choose the benefits that are best for you and your family, starting on the first day of the month following your start date.

Total rewards & benefits

• Medical, Dental, Vision, Life, Short- and Long-Term Disability

• Employee Assistance Program

• Voluntary benefits including accident, hospital indemnity, critical illness, legal assistance, and pet insurance
  Benefits eligibility beginning the first of the month following start date

• Company equity via Restricted Stock Units (RSUs), based on role and level

• 401(k) with up to 4% company match

• 11 days accrued PTO, 7 paid sick days, and 8 paid company holidays
  Paid Parental Leave:

  • 14 weeks (birthing parents)

  • 8 weeks (non-birthing parents)

• Professional development and career mobility opportunities

• Referral bonuses

How we work

We don’t just hire for skills. We hire for alignment. Kinfolk bring diverse perspectives, but we’re united by a shared set of values that shape how we work and how we show up for each other and our customers.

Run through walls, together - Our industry is stuck in the status quo. But Kin is different. We are challengers. Innovators unwavering in our mission to fix insurance for those who need it most. We are changing insurance for good. We roll up our sleeves, take action, and get “impossible” things done every day with grit and teamwork.

Raise the bar. Drop the ego - Attitudes are contagious. Every one of us is responsible for creating the culture we want to work in. High performance. Low drama. Always respectful. Like professional sports teams, we win by working in sync. We show up, work hard, and play to each other’s strengths.

Act like an owner - We are owners, fully accountable for achieving Kin’s mission. That requires positive, proactive, big-picture thinking well beyond our job descriptions. Ask questions, Take ownership. Do the right thing, even when it‘s hard. Because when Kin thrives, so do you. And so do our customers.

Operate lean. Deliver more - We build efficiency into everything we do. Each dollar we save gets reinvested to deliver more to our customers: better pricing, more products, and new innovations. We work smarter by relentlessly prioritizing and using technology, including AI, to multiply our impact. Lean is about focus, not deprivation. Lean isn't a limitation – it's our competitive advantage.

Keep asking ‘What if?’ - We value curiosity. To make insurance better for our customers, we experiment. We embrace insights. And we base decisions on data rather than assumptions. We see setbacks as opportunities for growth and are always learning and improving. Both individually and as a company.

Where we work

We are a remote-first company with offices in Chicago, IL and St. Petersburg, FL where teams can come together for collaboration.

For Sales Agents and Customer Service Agents: These roles sit in any of the following 30 states: AL, AZ, CO, FL, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NE, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, VT, VA, WA, and WI.

For all other positions, these roles can sit in any of the following 40 states: AL, AR, AZ, CA (exempt only), CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, and WI. Please only apply if you are able to live and work full-time in one of the states listed above.

For remote technical positions located in Canada, we are only able to hire individuals who reside in Ontario. Applicants must be able to live and work full-time in Ontario to be considered.

State locations and specifics are subject to change as our hiring requirements shift.

EEOC statement

Kin is proud to be an Equal Employment Opportunity and Affirmative Action Employer. We don't just accept difference – we honor it, nurture it, and celebrate it. We don’t discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. Kin welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process. If you require accommodation, please contact us by sending an email to [email protected]