Exception Desk Analyst – Non-QM

🕒 Maio 15

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CrossCountry Mortgage, LLC

SiteLinkedInTodas as Vagas

5001 - 10000 funcionários

💸 Finanças

💰 $400.000.000 Debt Financing em 2021-11

Finance

CrossCountry Mortgage, LLC é uma das principais instituições de crédito imobiliário de varejo dos Estados Unidos, oferecendo uma variedade de soluções de financiamento para compradores de imóveis, proprietários que desejam refinanciar e quem busca crédito com garantia do imóvel (home equity). A empresa oferece um portfólio completo de serviços, incluindo empréstimos para compra de imóveis, refinanciamento de financiamentos imobiliários e linhas de crédito com garantia do imóvel (HELOC). A empresa se orgulha de ajudar os clientes a navegar pelo processo de compra do imóvel com facilidade, sejam compradores de primeira viagem ou investidores experientes. Reconhecida por suas taxas de juros competitivas e pelo processamento ágil dos empréstimos, a CrossCountry Mortgage busca apoiar seus clientes na conquista da casa própria e de seus objetivos financeiros.

Descrição

• Review and disposition of guideline exception requests. • Ensure all guideline exception disposition terms (pricing hits, min rates, pricing caps, underwriting conditions) are accurately communicated and tracked within Encompass. • Track and ensure consistency in exception disposition for a loan’s entire lifecycle, from scenario evaluation to file submission to underwriting. • Monitor communications between sales, underwriting, secondary, and the exception desk to ensure adherence to SLAs; this includes daily/weekly reviews, reminders, and working with the team to prioritize requests. • Develop and maintain a set of frequently asked questions and responses, which can be used to identify potential guideline clarifications and/or enhancements, and opportunities to better train sales and/or underwriting. • Identify noteworthy guideline exceptions and collaborate with the marketing department and sales leadership to highlight these loans to the sales force. • Document, maintain, and update exception desk policies and procedures as needed. • Identify operational improvements to exception processes to better architect the desk for scalability and improved SLAs. • Collaborate with product development team to ensure underwriting guidelines, including proprietary loan products, are maintained across multiple origination channels and have up to date information. • Perform guideline gap analysis against competitor product offerings and identify areas of potential improvement. • Assist in general exception administration and product development related tasks as needed.

🎯 Requisitos

• Bachelor’s degree in related field, preferred. • Minimum of five years’ work experience in the mortgage industry or a related field. • Experience with Non-QM mortgages, preferred. • Encompass software experience, preferred. • Excellent analytical and communication skills. • Excellent prioritization skills and attention to detail.

🏖️ Benefícios

• medical • dental • vision • 401K • company-provided short-term disability • employee assistance program • wellness program