Scenario Review Analyst; Agency

Overview

Cross Country Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. CCM has been recognized on the Inc. 5000 list of America's fastest-growing private businesses and has received awards for its culture. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, a 401K, short-term disability, an employee assistance program, and a wellness program.

The Scenario Review Analyst (Agency) provides guidance to employees through in-person and virtual communications. The analyst meets turn times, maintains customer satisfaction, and serves as the central point of contact for Loan Officers and Loan Processors to explain product and policy guidelines. This includes answering how-to questions, reviewing investor guidelines, analyzing income scenarios/documentation, and assisting with detailed loan structure and scenario questions.

The role primarily operates within Pacific and Mountain Time zone working hours to support the West Coast region.

• Daily loan support for all company employees via a ticketing system, inbound phone calls, email, and in-person for underwriting/loan scenario-based questions and communication.
• Review and respond to general underwriting scenarios.
• Assist Loan Officers and Loan Processors in finding answers regarding loan eligibility and lending guidelines.
• Analyze various underwriting scenarios and suggest potential alternate options with different investors.
• Review and analyze complex income documentation, including personal and business tax returns, and provide calculations for qualifying.
• Create technical documentation, system documentation, “how to” guides, FAQs, and self-help references.
• Track tasks, activities, and time spent within the ticketing system and meet expected turn-times.
• Participate in Underwriting Department, Regional and Sales calls; lead calls as necessary.
• Assist with training sales or processing staff in areas where additional guidance is needed.
• Collaborate amongst team members and other departments; maintain essential underwriting knowledge and UW designations, as applicable.

• Bachelor’s degree and/or equivalent combination of education/experience.
• 4+ years of mortgage underwriting experience, underwriting to multiple agency and investor guidelines (preferred).
• Government underwriting experience with designations (FHA and VA) required.
• Experience using Microsoft Word, Excel and Outlook (preferred).
• Excellent communication, negotiation, and problem-solving skills.
• Excellent customer service skills.

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. It is not intended to be an exhaustive list of qualifications, skills, duties, responsibilities, or working conditions.

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Please see Cross Country’s privacy statement for information about how Cross Country Mortgage collects and uses personal information about California applicants. CCM supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, national origin, age, disability, marital status, citizenship status, sex, sexual orientation, gender identity, gender expression, or any other protected characteristic.

The company is committed to fostering a diverse and inclusive culture. Cross Country Mortgage, LLC (NMLS
3029) is an FHA Approved Lending Institution.

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Our Work Experience is the combination of our culture, core values, meetings, commitment to sustainability, recognition programs, and our people. Our employees are self-disciplined, hardworking, curious, trustworthy, humble, and truthful, and they collaborate to make CCM the #1 Top Workplace in the area.