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Form of workJob 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 Post Closing Non-Agency Manager is responsible for leading and mentoring a team of non-Agency Forensic Underwriters and Post Closers to obtain resolution of investor conditions for salability of Non-Agency and Non QM loans. Be a subject matter expert of investor guidelines. Oversee the suspended loan review and remediation process and make decisions and recommendations for complex cases. Monitor Quality reporting and trends as well as advise interdepartmental leadership on allocation of fees associated with incurable loan files. The Post Closing Non-Agency Manager will handle loan level escalations and general questions from the Non-Agency Team Lead to ensure conditions are resolved in a timely manner. Provide guidance including but not limited to formal written responses/rebuttals on complex deficiency corrections. Ensure all department standard operating procedures are followed. This role will be heavily involved in department projects as well as identifying and implementing process improvements as needed.
Job Responsibilities:
- Handle the day-to-day management of the non-Agency Teams including employee development and performance coaching.
- Second level escalation point for the non-Agency Teams to assist with loan level decisions on various topics.
- Review original underwriting criteria and rework as necessary to ensure salability of loans.
- Proactively monitor investor posted turn times and follow up as necessary to ensure files are reviewed within their published turn times.
- Monitor daily investor reporting to identify loans that have been suspended for purchase are addressed to avoid incurring suspense fees.
- Monitor a pipeline to ensure all loans shipped are either conditioned or purchased in a timely manner.
- Provide updates on the status of non-Agency Team’s assigned loans to Senior Management as needed.
- Ensure non-Agency Teams meet set monthly purchased loan goals.
- problem-solve to determine solutions and identify alternative resolutions within acceptable guidelines.
- Ensure investor guidelines are followed for salability.
- Extensive communication with internal employees and external vendors.
- Monitor time of loans on the warehouse lines and advise Senior Management of those at potential risk for curtailment from the warehouse.
- Act as a subject matter expert for the department by attending meetings with internal partners on new projects/process improvements and perform testing as needed.
- Assist with onboarding and training new hires and existing employees to be upskilled on a variety of topics as needed.
- Responsible for adequate staffing of the non-Agency Teams including identifying additional positions needed and acting as the hiring manger.
Qualifications and Skills:
- Minimum of 5 years’ Non-Agency, Non-QM and Jumbo underwriting experience with exposure to both manual and automated underwriting environments.
- Minimum of 3 years’ experience in a management role.
- Extensive knowledge of Non-Agency, Non-QM and Jumbo guidelines along with exposure to investor conditions and exceptions.
- In-depth knowledge and understanding of transaction components that indicate a potential for fraud.
- Extensive knowledge of regulatory rules and regulations.
- Excellent communication skills.
- Adhere to tight deadlines with prioritization.
- Proficient in Microsoft Office Suite.
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.
