Senior Staff Software Enigneer

Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com. Job Profile: Staff Software Engineer Job Description Summary: We are committed to providing a competitive and equitable total rewards package. The compensation for this role is designed to attract, retain, and motivate top talent. The expected base salary range for this position is $180,000to $220,000 annually. Job Description: Why Rate is the BEST Place to Work Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com. What Makes Our Team Awesome We are a gritty group of passionate technologists on a mission to dominate the mortgage world! The Information Technology Team within Rate passionately and consistently puts our customers first. We are building the latest technology to help create the best mortgage experience on the planet and get your mortgage, your way, anytime, anywhere. Whether that is improving our digital mortgage platform, automating loan coordination and underwriting processes, or building out the latest marketing and customer engagement platform, we’re doing it all. We build high-performing, self-organized, cross-functional agile teams that operate with minimal hierarchy. Information Technology team members hold themselves and others accountable and live and breathe the tenets of autonomy, mastery, and purpose. What’s the Role? We are looking for a Staff Software Engineer to join our team. In this role, you'll work with a team of talented engineers while actively contributing to architecture, design, and development of our core systems. You’ll play a key role in scaling the team, ensuring technical excellence, and develop software programs for products from concept to deployment Responsibilities A critical part of not just the technology team, but to the organization as an excellent back-end engineer with good experience with front-end technologies. Develops and maintains Java-based website architecture, functionality, and API integrations. Monitors and research emerging technologies, external platforms and services, consumer behavior and site analytics to discover innovation and integration opportunities. Ensures the team’s supported applications are healthy and triages issues to the appropriate personnel. Build reusable software components for interfacing and use with our front-end platforms. Experience with AI driven development (like GitHub Copilot, Cursor, Claude) Collaborates with development leadership, product management, and other product engineering functional areas to translate business objectives and initiatives into technical solutions. Interfaces with broader Tech Team to ensure proper alignment with existing enterprise platforms and roadmap. Ensures user interface design and development adheres to best practices for user security, data privacy, user experience, core web vitals, and accessibility. The majority of the job will be hands on coding, participating in design discussions, and code reviews. Qualifications Bachelor's degree or equivalent working experience. 13+ years’ experience of developing software in Java & related technologies. Deep expertise in Java, React, Node.js, Python etc. Experience with AWS or a similar cloud provider. Experience with microservices, event-driven architecture, or containerization (Docker, Kubernetes). Experience with AI driven development (like Github Copilot, Cursor, Claude) Professional experience guiding and mentoring other engineers in team enviorment Demonstrates superior knowledge of software design and architecture. Experience writing unit tests and automating website testing to ensure quality software deployment. Experience in implementing application performance monitoring solutions to optimize our apps based on your findings. Excellent verbal and written communication skills. Strong desire to learn new techniques and technologies and collaborate with other experienced engineers to explore different solutions to a problem. Nice to have: Experience working in the Financial Sector Knowledge of Mortgage Domain Experience with Kubernetes deployments Experience with Spring Boot Experience in open authentication/authorization protocols and frameworks like: OAuth2, OpenID Connect Experience using React and JavaScript/Typescript Other Useful Details Employee Type: Full-Time Pay Range: annual pay + bonus and/or commissions Location: Remote Rate Companies is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other any other protected characteristic. #LI-Remote The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources). Please click this link to learn more about our benefit offerings for Washington State: https://www.rate.com/careers/open-positions/disclosures Additional Job Description Summary: Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law. The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources). Please click this link to learn more about our benefit offerings for Washington State: Benefit Offerings for Washington State