Mortgage Regulatory Counsel

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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

• Serve as the primary legal resource for fee, disclosure, document, and document-vendor matters • Interpret federal and state mortgage regulations and provide guidance on fee treatment, disclosure timing and content, document triggers and packages, and workflow requirements • Conduct legal research and analysis on mortgage regulatory questions • Translate legal requirements into practical guidance and decision points for Compliance, QA, Technology, and business teams • Review and approve regulatory requirements, interpretations, and legal positions before implementation where appropriate • Evaluate system configurations, document logic, disclosures, workflows, and outputs for regulatory compliance • Review testing results, findings, and evidence to determine whether system behavior and document output meet legal expectations • Determine pass/fail conclusions and identify required follow-up questions, testing, requirement changes, or configuration updates • Partner with Technology, Operations, Compliance, and external vendors to resolve legal, system, and document-generation questions • Support implementation and maintenance of document-vendor legal requirements in the loan origination system • Document legal interpretations, decisions, issue resolutions, and review conclusions for implementation, audit, examination, and internal review • Provide timely legal input on open issues, exceptions, and questions • Identify emerging legal issues, gaps, inconsistencies, and risks and communicate needed actions to stakeholders

🎯 Requirements

• Juris Doctor (JD) from an accredited law school • Active license to practice law in at least one U.S. jurisdiction • Experience practicing in mortgage, consumer financial services, regulatory compliance, or a related legal field • Advanced knowledge of mortgage regulatory requirements • Experience with mortgage fees, disclosures, documents, and related regulatory requirements preferred • Experience supporting loan origination system document logic, disclosure behavior, or document-vendor integrations preferred • Experience with loan origination systems, disclosure processes, document review, or vendor-managed document solutions preferred • Experience with DocMagic is a plus • Comfortable collaborating across Legal, Compliance, Technology, Operations, and external vendors • Advanced legal research and analytical skills • Ability to interpret complex federal and state regulatory requirements and apply them to business processes, system functionality, and document outputs • Ability to determine whether system configurations, workflows, and outputs satisfy legal requirements • Advanced judgment in identifying issues requiring formal legal interpretation versus practical clarification or guidance • Excellent communication skills and ability to translate legal concepts into actionable guidance • Ability to manage multiple legal questions, reviews, and workstreams while meeting deadlines • Ability to identify gaps, inconsistencies, or risks in requirements, testing results, documentation, or system behavior • Excellent attention to detail

🏖️ Benefits

• Competitive compensation plan • Medical insurance • Dental insurance • Vision insurance • 401K • Company-provided short-term disability • Employee assistance program • Wellness program • Robust benefits package • Culture supporting employee growth and engagement • Equal employment opportunity and diversity and inclusion culture