About Zippy:

Zippy is disrupting the manufactured home lending space and making homeownership accessible for
all. The mortgage industry has undergone a revolution in the last 15 years. From underwriting guidelines that protect consumers to fully digital origination systems, the process of getting a home loan has never been safer or easier ... for some people. Unfortunately, manufactured home buyers have been left out of the lending revolution and innovation that has followed.

That’s where Zippy comes in. We are a startup that seeks to provide quick, favorable loans to buyers of manufactured homes throughout the United States. We are digitally native and located at zippymh.com! We’ve built an incredible online platform that enables us to originate loans quickly, and our customer service team (led by our amazing Zippy Guides) are there to help our borrowers every step of the way. Everyone on Team Zippy is passionate about helping our borrowers achieve the American Dream of homeownership. We are a well-funded startup backed by institutional investors. We are a location flexible, remote-first organization with headquarters in Texas and team members living and working throughout the country in Texas, Arizona, North and South Carolina, Pennsylvania, Missouri, Tennessee, Nebraska and more!

Key Responsibilities:

Here at Zippy, our Zippy Guides are more than just MLOs. They are subject matter experts on the loan process. Zippy Guides are collaborators – Zippy works closely with our community partners to get our borrowers into truly beautiful homes. Zippy Guides are analytical innovators – they look at the systems we have in place now, and come up with ideas for improving those systems.

Zippy Guide responsibilities can be broken into three categories:

\- Origination

• Originate consumer “chattel” loans in a fully digital space
• Take and review applications and collect supporting documents via an online portal
• “Own” their files from pre-approval until the signing ceremony is scheduled
• Borrower outreach - call, chat, email, and text borrowers in both English and Spanish to guide them through the stages of the loan process

\- Collaboration

• Coordinate with community partners to get all loan information and community documents, and keep the partners updated on the loan progress
• Work with the Zippy Community Partnership Team to assist in onboarding new communities and demonstrating Zippy’s platform and workflow
• Internalize Zippy’s underwriting guidelines and work closely with the Zippy Processors and Underwriters to understand and assist with risk decisioning throughout the loan process

\- Innovation

• Share best practices for loan origination and borrower outreach across a growing team of MLOs
• Give and receive ongoing feedback from the engineering and community partnership teams to build and improve our proprietary technology platform and standard operating procedures
• Analyze current systems, then actively look for and suggest solutions to systemic problems. Develop and implement ways to improve team effectiveness

What You Will Need to Succeed

• An active MLO license in any state, with the ability to become licensed in additional states (must have taken and passed the 20 hour SAFE course and the NMLS national exam)
• Familiarity with the full loan origination process
• Excellent customer service skills and a high level of empathy
• Comprehensive understanding of the affordable housing crisis and a passion for being part of the solution
• Ability to speak Spanish (Advantageous, but not required)
• Proficiency in Microsoft Office suite
• Technologically adaptable – you don’t have to be an expert on all our platforms, apps, and systems, but you must be willing and excited to learn
• Fantastic communication skills, both written and verbal
• Growth mindset and proactive approach to work and problem-solving
• Undergraduate degree or equivalent work experience in mortgage loan origination
• Lifelong learner who can adapt to a fast-paced, remote working environment that evolves as the business scales

Desired Team Mentality

• Listen carefully to what others say
• Share ideas and resources freely
• Talk about problems and find useful solutions
• Know what work needs to be done
• Complete own work on time and help other team members
• Volunteer to work on cross-functional projects to grow Zippy as a company (time and workload permitting)

Incentives

• W2 employee with a generous base salary
• Quarterly bonus compensation (production-based)
• Stock options/equity
• Excellent health, vision, and dental benefits
• MLO licensing reciprocity support

Zippy is committed to promoting the values of diversity and inclusion throughout the business. Whether it is through recruitment, retention, career progression, or training and development, we are committed to improving opportunities for our people regardless of their background or circumstances.