Non-QM Underwriter

Non-QM Underwriter

Cross Country 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.

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.

The Non‑QM Underwriter is responsible for underwriting and maintaining a loan pipeline while communicating with internal loan teams and external lenders. The Non‑QM Underwriter 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.

• 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.

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.

Pay Range:
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.

Cross Country Mortgage, LLC offers more than a job, we offer a career. Apply now to begin your path to success!

Cross Country Mortgage, LLC strives to provide employees with a robust benefit package.

Cross Country Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where…