[Hiring] Non-QM Underwriter @CrossCountry Mortgage, LLC

Role Description

The Non-QM Underwriter (Wholesale) is responsible for underwriting and maintaining a loan pipeline while communicating with internal loan teams and external lenders. The Non-QM Underwriter (Wholesale) maintains extensive product and guideline knowledge of all Non-QM lenders and assists loan teams and underwriting teams with questions and issue resolution.

• 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 meet standard service level agreements.
• Evaluate and examine loan files to ensure accuracy, completeness, and compliance with investor and agency guidelines.
• Issue loan decisions to sales and operations staff in a clear and concise manner.
• Communicate with operations, sales staff, business partners (lenders and investors), maintaining a high level of customer service.
• Issue final approval by uploading all necessary approval documentation into the company’s software systems with appropriate signatures.
• Collaborate with the 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

• Bachelor’s degree and/or equivalent combination of education and experience.
• 4+ years of mortgage underwriting experience.
• Experience with Non-QM and Non-Agency underwriting.
• Experience with manual underwriting.
• Experience with compliance and disclosure requirements.
• Encompass LOS experience, a plus.
• Advanced prioritization, time management, and problem-solving skills, maintaining attention to detail.
• Excellent communication skills.
• Proficient in Microsoft Word, Excel, and Outlook.

Requirements

• Hourly Rate: 43.26 - 48.07
• Bonus Eligible if applicable
• 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.

Benefits

• Competitive compensation plan.
• Robust benefits package, including medical, dental, and vision.
• 401K plan.
• Company-provided short-term disability.
• Employee assistance program.
• Wellness program.