Income and Guideline Specialist

CrossCountry 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. 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.

• →Daily loan support for 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 income calculation/documentation questions while maintaining thorough knowledge of investor income guidelines.
• →Assist Loan Officers and Loan Processors in calculating income per investor guidelines and specifications.
• →Analyze various underwriting scenarios and suggest potential alternate options with different investors, as needed.
• →Review, analyze and calculate income using complex income documentation, including personal and business tax returns, bank statements, audited/unaudited profit and loss statements, balance sheets, rental income documentation, etc. and provide calculations to be used for qualifying purposes.
• →Analyze and calculate income and determine business liquidity per investor guidelines.
• →Maintain knowledge of IRS income filing forms as they pertain to underwriting qualification – including but not limited to 1040’s, 1120-S, 1065, 1120, as well as all applicable forms/schedules/statements within these documents.
• →Create technical documentation, system documentation, “how to” guides, FAQ’s and self-help references as needed.
• →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 they need additional guidance.
• →Collaborate amongst team members and other departments.
• →Maintain a working knowledge of essential underwriting information.
• →Maintain all Underwriting designations, as applicable.
• →Promote risk-awareness, ensure efficient and effective risk and compliance management practices by adhering to required standards and processes.
• →Ensure compliance with anti-money laundering and sanctions laws and regulations.

• Bachelor’s degree or equivalent experience, preferred.
• At least 4 years of underwriting experience, underwriting to multiple agency and investor guidelines, preferred.
• Jumbo/Non-Agency and Non-QM underwriting background, preferred.
• Government underwriting experience with designations, preferred (DE and VA).
• Excellent communication, negotiation, customer service and problem-solving skills.
• Proficient with Microsoft Word, Excel and Outlook.
• Knowledge and experience using LoanBeam and Encompass preferred.

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.