Non-Agency Underwriter

CrossCountry Mortgage, LLC

16d

About The Position

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. 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. Position Overview: The Non-Agency Underwriter is responsible for validating income, asset and collateral documents including self-employed tax returns.

Requirements

Bachelor’s degree or equivalent combination of education and experience.
3+ years’ Jumbo products experience.
Minimum of 3 years’ Non-Agency experience.
Experience with reviewing residential appraisals.
Experience with compliance and disclosure requirements.
Knowledge of closing, post-closing & quality control responsibilities.
Working knowledge of ATR/QM requirements.
Proficient in Microsoft Word, Excel and Outlook.
Excellent communication skills.

Nice To Haves

DE, SAR or LAPP certifications, highly preferred.
Encompass LOS experience, a plus.

Responsibilities

Evaluate loan applications for risks and various criteria such as investor requirements, accuracy, consistency and completeness.
Calculate qualifying income including analyzing tax returns and financial statements.
Review and analyze borrower profiles, credit reports, title reports, income documentation and assets, including complex business returns and financials.
Review new loan files to ensure loan meets investor and program criteria.
Must meet minimum Production Requirements.
Review all eligible investors.
Manage individual pipeline daily by completing new underwriting reviews, condition reviews and other underwriting tasks within established turn times.
Communicate and engage proactively with loan originators, processors, branch managers, funders and post-closers in regard to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios.
Access third party services (valuation, fraud, compliance) to provide valuable input for loan decisions.
Perform other related duties as assigned.