CrossCountry Mortgage (CCM), the nation's number one distributed retail mortgage lender, is looking for a Regional Underwriting Manager (Non-QM). This role supports the underwriting department in their daily operations, ensuring service level agreements are maintained. You will provide solutions for loan-level escalations, complex scenarios, and second-level reviews, reporting directly to the VP of Underwriting.
What You'll Do
- Provide individual Underwriter coaching, mentoring, and training on expectations, processes, guidelines, and system work in Encompass.
- Serve as the primary point of contact for all Underwriter questions, clarification, and instruction.
- Ensure Underwriters understand, apply, and grow their knowledge base of guidelines, processes, and procedures.
- Complete CTC reviews until Underwriters have earned lending authority.
- Review the CR Lending Authority, ACES, Denial, Suspense, Failed, and 2nd Tier Review Pipeline reports daily.
- Provide valid findings, training, and coaching issues weekly to the VP.
- Complete at least 2 spot reviews per week on files not reviewed by another department.
- Assist with the review of reports and findings regarding Underwriter quality as needed.
- Manage the pipeline ensuring loans are within SLA and external Underwriter statuses are for no more than 24 hours (72 for branch rebuttal).
- Communicate all load balancing, underwriting assignments, and rush/priority reviews to Production Coordinators.
- Assist with loan-level production (underwriting, clearing conditions) based on staffing and volume needs.
- Review and complete non-health/safety escrow holdbacks.
- Review loan scenarios as needed.
- Review post-closing/credit risk findings to identify training needs.
- Conduct new branch welcome calls and existing branch calls as needed.
- Report on Underwriter final bonus numbers and communicate to the VP.
- Interview prospective Underwriters for hire.
- Review and approve timecards and PTO requests.
- Attend weekly meetings with the VP and monthly national underwriting calls; hold bi-weekly team meetings with direct reports.
What We're Looking For
- Bachelor’s Degree or equivalent combination of education and experience.
- DE, SAR, and LAPP certifications are required.
- 5+ years of Mortgage Underwriting Experience (FHA, VA, and Conventional) with agency guideline knowledge.
- 5+ years of underwriting supervisory experience.
- Encompass LOS experience.
- Knowledge of ATR/QM requirements.
- Knowledge of compliance and disclosure requirements.
- Excellent communication and organizational skills.
- Proficient in Microsoft Office Suite (Word, Excel, Outlook).
Nice to Have
- Experience with USDA is a plus.
Technical Stack
- Encompass LOS
- Microsoft Office Suite (Word, Excel, Outlook)
Team & Environment
You will report directly to the VP of underwriting.
Benefits & Compensation
- Compensation: $140,000 - $150,000
- Medical, dental, vision insurance
- 401K
- Company-provided short-term disability
- Employee assistance program
- Wellness program
CrossCountry Mortgage supports equal employment opportunity in hiring, development, and advancement for all qualified persons without regard to race, color, religion, religious creed, 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 applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law.
