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Milo is a fintech company pioneering crypto-backed mortgages and loans, allowing digital asset holders to access credit without selling their cryptocurrency. Founded in 2018, the company has closed over $100 million in crypto mortgages, raised $24 million in venture funding, and is SOC 2 Type II certified.
The Senior Loan Officer, Sales Lead is a hands-on producer role reporting directly to the CEO. You will originate and close your own pipeline of crypto mortgages and crypto-backed loans from initial contact through funding. As volume grows, you will transition into leading Milo's sales team of AI agents and humans. The role combines individual contribution with emerging leadership responsibilities.
Key responsibilities include:
- Originating and closing loans across both product lines (crypto mortgages and crypto-backed loans)
- Recommending appropriate solutions for each borrower and explaining tradeoffs
- Working alongside AI agents daily, helping shape agent capabilities and human-AI collaboration
- Hiring and onboarding new loan officers as the team expands
- Building and improving AI agents for lead follow-up, borrower questions, document collection, and pipeline updates
- Managing the full funnel from inbound lead through application, lock, and funding
- Structuring loan scenarios, pricing, and presenting credit narratives on complex files
- Delivering underwriting-ready files to Loan Operations
- Building referral partnerships with crypto platforms, wealth managers, CPAs, and real estate agents
- Serving as a credible public voice for Milo, sharing borrower stories and market feedback
- Using AI tools like Claude across the sales process for lead research, borrower follow-up, file review, and pipeline reporting
- Identifying manual work and automating it, then coaching the team on new tools and workflows
- Staying current on AI and fintech tools, testing adoption, and sharing insights
- Hitting monthly and quarterly origination goals
Milo is an AI-first team that expects all members to use tools like Claude daily to move faster and serve more clients. The company values self-starters, high output, low drama culture, and continuous improvement.
Requirements:
- 5+ years of residential mortgage origination as a licensed loan officer
- Track record of $25M+ in personal annual funded volume
- Experience with jumbo and non-agency lending
- Ability to review files independently, including income, assets, entity structures, and condo reviews
- Fluency in cryptocurrency and ability to explain crypto-backed lending to high net worth borrowers
- Working knowledge of TRID, RESPA, ECOA, BSA/AML, and OFAC requirements
- Experience with Encompass as LOS and CRM, running pipeline from data
- Comfort with outbound prospecting and direct-to-consumer internet leads
- Availability for client engagement including occasional evenings and weekends
- Self-starter mentality with ability to identify and build solutions for repetitive tasks
- Hands-on experience with AI tools like Claude or ChatGPT, with demonstrated use cases
- Tech-savvy and quick to learn new systems in a paperless, data-driven environment
- Ambition to grow from top producer into sales leader at a fast-growing company
- Active NMLS Mortgage Loan Originator license in Florida (required)
- Willingness to obtain licenses in Milo's other lending states (Arizona, California, Colorado, Connecticut, Maine, New Jersey, North Carolina, Tennessee, Texas) with Milo covering fees and study time
- Clean NMLS record and ability to pass state background, credit, and fingerprint checks
- Current on SAFE Act continuing education
Bonus qualifications:
- Experience at a fintech or crypto lender
- Experience mentoring or leading other loan officers
- Established referral network in crypto, wealth management, or luxury real estate
- Understanding of foreign national borrowers
- Multilingual ability (English, Spanish, Portuguese)
- Personal brand on X or LinkedIn
- Experience building AI agents, automations, or prompts for sales or lending teams
