Senior Loan Officer

Kin is redesigning insurance to be smarter, faster, and centered on the customer. We use intelligent pricing, offer seamless bundling, and make every step (from purchasing, servicing to claims) simple and friction-free, especially in the places traditional insurers often ignore.

We empower people to protect what matters most, starting with their homes and expanding to all they value, in a world where climate risks, rising costs, and outdated systems leave too many behind. Our approach has fostered amazing growth, attracted marquee investors, and earned us accolades, including being named to:

• Built In Chicago's Best Places to Work, Midsize Companies (2021-2025).

• Forbes' America's Best Startup Employers (2021- 2024, Ranked #37 in 2024).

• Inc. 5000 Fastest-Growing Private Companies.

• Forbes’ Fintech 50.

Simply put, our people are what make us great – we need forward-thinking, inspired game-changers like you to join us in our mission.

So, what’s the role?

At Kin, we’re redefining how customers protect their homes, using proprietary technology and data to provide fast, affordable coverage. Now, we’re expanding into the mortgage industry to provide smarter financing options for our existing customers. Acting as a key player in Kin’s mortgage launch, we’re seeking a Mortgage Loan Officer to lead the sales charge, ensure compliance, build operational efficiency, and ultimately drive foundational market growth.

We are looking for a Florida, California, or Texas licensed Mortgage Loan Officer with a proven ability to independently manage and grow their pipeline. This role is critical in our company’s growth, managing broker operations, and ensuring compliance with state and federal regulations. The ideal candidate is adept at utilizing data to identify and act on strategic opportunities.

This role is ideal for a self-starter who loves sales but has a data-driven mindset to drive scale in our home financing operations. If you want to own your success, close deals, and make an impact, we’d love to hear from you.

The Senior Loan Officer position includes a base salary of $50,000

A day in the life could include:

• Connecting with current Kin customers via calling, email and text; actively engaging them to understand their financial needs and present suitable mortgage options

• Working with Marketing teammates to craft lead-generation campaigns and optimize conversion rates

• Setting, tracking, and exceeding sales performance targets, continuously refining strategies to improve close rates.

• Effectively communicating the unique features and benefits of specific loan options to existing Kin customers, addressing any inquiries or concerns they may have

• Consistently following up with your prospects utilizing phone, text, and email to stay in contact and drive toward the sale

• Maintaining accurate and up-to-date records of customer interactions and sales activities using our CRM system

• Staying updated on industry trends, product knowledge, and competitor offerings to effectively position the Kin Mortgage offering division

I’ve got the skills… but do I have the necessary ones?

• 3+ years of purchase mortgage origination experience as an active NMLS Loan Originator with Florida, California, or Texas state license(s) (required)

• Successfully completed the 20-hr SAFE Pre-licensing Education and passed the SAFE Mortgage Loan Originator Test - National Component with Uniform State Content (required)

• Proficiency in using LOS software and other related tools/software (Arive, LendingPad, Encompass, etc.)

• Proven track record in handling the full lifecycle of mortgage loans

• Expertise in loan products and underwriting scenarios, ensuring accurate assessments and risk evaluation

• Strong knowledge of loan structuring, pricing strategies, and borrower qualification to optimize lending solutions.

• Data-driven and results-oriented, with a demonstrated commitment to achieving and exceeding sales targets

• Strong understanding of client service and exhibit a passion for helping people

Bonus Points

• Experience with Hubspot CRM

• Strong knowledge of industry-specific software

Oh, and don’t worry, we’ve got you covered!

We offer a comprehensive benefits program, allowing you to choose the

benefits that are best for you and your family including: Medical, Dental, Vision, Life Insurance, Short and Long Term Disability Insurance options, Employee Assistance Program, as well as elective voluntary benefits such as accident insurance, hospital indemnity, critical illness, legal assistance and pet insurance. Kinfolk become eligible for benefits on the first day of the month following their start date.

In addition to these benefits, we also are excited to offer the following:

• Competitive salary and company equity through Restricted Stock Units (RSUs), granted as part of our standard compensation package and based on role and level.

• 401K with company match of up to 4% of eligible earnings

• Flexible PTO for exempt employees (employees typically take 15-20 days annually), along with 8 company-observed holidays

• A paid parental leave program that provides 100% salary continuation of up to 14 weeks for birthing parents and 8 weeks for non birthing parents

• Continuing education and professional development opportunities

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 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.

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.

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

About Kin

Kin is the only pure-play, direct-to-consumer digital insurer focused on the growing home insurance market. We make policies convenient and affordable through a technology platform that delivers a seamless user experience, customized options for coverage, and fast, high-quality claims service. Kin is a fully licensed carrier that offers coverage through its reciprocal exchanges which are owned by its policyholders. To learn more, visit www.kin.com.

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 careers@kin.com