Pre-Approval Specialist

Pre-Approval Specialist

Cross Country Mortgage (CCM) is a national lender serving over 700 branches and all 50 states, D.C., and Puerto Rico.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, and a 401K. Company‑provided short‑term disability, an employee assistance program, and a wellness program are also offered.

The Pre-Approval Specialist serves as a liaison between the organization’s internal and external clients. The Pre-Approval Specialist oversees and is directly involved in the loan process from start to finish in efforts to aid Cross Country Mortgage borrowers to the best financial program.

• Provide superior customer service by communicating with borrowers to assist client(s) in understanding loan programs, costs, and various applicable loan documents.
• Review and audit income, assets, run DU, and verify credit documentation within mortgage file to ensure loan stability.
• Review mortgage loan disclosure packages and deliver to borrower, includes but not limited to rate disclosure and re‑disclosure packages.
• Assist in managing a pipeline consisting of Conventional, FHA, VA and USDA loans, along with 203k, Jumbo, and reverse mortgage products.
• Ensure structure of the loan presents the best program based on the borrower's financial circumstances.
• Review the file for any missing documentation that best supports approval.
• Communicate loan program and costs with borrowers. (License required for this duty to be performed.)
• Pre‑underwrite items to help support approval of the loan (paystubs, credit reports, W2's bank statements, court orders, etc.).
• Input feed for disclosures, present, and set up loan to best fit borrower's needs.

• Bachelor's degree and/or equivalent combination of education/experience.
• 3-5 years residential mortgage processing experience.
• Experience with Encompass LOS, preferred.
• Prior underwriting or processing experience, a plus.
• Knowledge of RESPA guidelines and all mortgage and consumer regulations.
• Knowledge of DU, LP, Microsoft Outlook, and Windows.
• Excellent math and analytics skills.
• Excellent communication skills.
• Excellent prioritization and time management skills to meet deadlines.

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