Guideline Structuring Analyst
Description
CrossCountry Mortgage (CCM) is one of the nation’s top 3 retail mortgage lenders with more than 7,000 employees operating nearly 600 branches across all 50 states. We have been recognized nine times on the Inc. 5000 list of America’s fastest-growing private businesses and have received countless awards for our standout culture. Through our dedication to getting it done, we make every mortgage feel like a win.
A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
Position Overview:
The Guideline Structuring Analyst’s primary responsibility is creating, administering, and maintaining underwriting guidelines and related materials for the company’s proprietary loan programs which include agency, prime credit jumbo, non-QM, and multi-family/commercial loans originated across multiple channels. This position will initiate guideline updates and maintenance, working with various departments including product development to ensure that all necessary steps to complete a rollout are taken and that information made available is accurate, clear, and consistent.
Job Responsibilities:
- Act as primary author on underwriting guidelines and related materials on assigned products.
- Complete guideline gap analyses to develop new products and identify gaps between existing products and marketplace for management review.
- Initiate guideline update process:
- Compile information from various sources including own recommendations,
- Present information for management review and track responses,
- Update documents such as guidelines, product highlights, worksheets, and other items,
- Coordinate with pricing to ensure rate sheets and pricing engines are updated, and
- Coordinate with product development for deployment.
- Maintain guidelines across multiple origination channels, ensuring consistency and leaving only gaps that are intended.
- Conduct credit training that relates to new product rollouts and updates as needed.
- Assist scenario, exception, underwriting, and post-closing teams to address and resolve any ambiguities that exist within the guidelines and identify frequent exception requests for future guideline consideration.
- 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.
- Additional ad-hoc responsibilities as needed.
Qualifications and Skills:
- Bachelor’s degree preferred, or equivalent combination of education / experience.
- 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 communication skills.
- Excellent attention to detail and prioritization skills.
Pay Range:
- $80,000-105,000 annually.
The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position.
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.
CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com/
California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California consumers.
CrossCountry Mortgage, LLC. (NMLS3029) is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression, or any other protected status in accordance with all applicable federal, state and local laws. The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. Employment is contingent upon successful completion of a background investigation. CrossCountry Mortgage, LLC. is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.