As a Non-QM Underwriter, you will be responsible for underwriting and maintaining a loan pipeline while communicating with internal loan teams and external lenders. The Non-QM Underwriter will have extensive product and guideline knowledge of all non-qm lenders and assist loan teams and underwriting team with questions and issue resolution. Job Responsibilities: Ability to underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion... more details
Description
CrossCountry Mortgage (CCM) is one of the nation’s top 3 retail mortgage lenders with more than 7,000 employees operating nearly 600 branches across all 50 states. We have been recognized nine times on the Inc. 5000 list of America’s fastest-growing private businesses and have received countless awards for our standout culture. Through our dedication to getting it done, we make every mortgage feel like a win.
A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
As a Non-QM Underwriter, you will be responsible for underwriting and maintaining a loan pipeline while communicating with internal loan teams and external lenders. The Non-QM Underwriter will have extensive product and guideline knowledge of all non-qm lenders and assist loan teams and underwriting team with questions and issue resolution.
Job Responsibilities:
- Ability to underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR No Ratio, Foreign National and Self-Employment.
- Maintain an underwriting pipeline of new loans and resubmissions that meets standard service level agreements.
- Evaluate and examine loan files to ensure accuracy, completeness and compliance with investor and agency guidelines.
- Issue loan decisions to our sales and operations staff in a clear and concise manner
- Communicate effectively with operations and sales staff to maintain a high level of customer service.
- Communicate effectively with business partners (lenders and investors) maintaining a high level of customer service.
- Issue final approval uploading all necessary approval documentation into Company’s software systems with appropriate signatures.
- Work with post-closing department on any stipulations for closed files; communicate process and outcome to underwriters and management.
- Perform other related duties as assigned by management.
Qualifications and Skills:
- Recent Non-QM and Non-Agency underwriting experience.
- Recent Manual underwriting experience.
- Bachelor’s Degree or equivalent combination of education and experience.
- 4+ years of recent Mortgage Underwriting Experience.
- Excellent communication skills.
- Proficient in Microsoft Word, Excel and Outlook.
- Encompass LOS experience, preferred.
- Knowledge of compliance and disclosure requirements.
Pay Range:
- $43.26-55.28/hr. Eligible for monthly bonus incentive.
The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position.
This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.
CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com/
California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California consumers.
CrossCountry Mortgage, LLC. (NMLS3029) is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression, or any other protected status in accordance with all applicable federal, state and local laws. The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. Employment is contingent upon successful completion of a background investigation. CrossCountry Mortgage, LLC. is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.
