Exception Desk Analyst – Non-QM

🕒 May 15

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CrossCountry Mortgage, LLC

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

💸 Finance

💰 $400M Debt Financing on 2021-11

Finance

CrossCountry Mortgage, LLC is one of America’s leading retail mortgage lenders, providing a range of mortgage solutions for homebuyers, homeowners looking to refinance, and those seeking home equity loans. They offer a comprehensive suite of services including home purchase loans, mortgage refinancing, and home equity lines of credit (HELOC). The company prides itself on helping clients navigate the home buying process with ease, whether they are first-time buyers or seasoned investors. Known for their competitive interest rates and efficient loan processing, CrossCountry Mortgage aims to support their clients in achieving their home ownership and financial goals.

📋 Description

• 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.

🎯 Requirements

• 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.

🏖️ Benefits

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