Forensic Underwriter

📋 Description

• • The Forensic Underwriter performs in-depth forensic underwriting reviews of closed mortgage loans to ensure compliance with government agency and investor guidelines, as well as state and federal laws, identifying potential fraud or misrepresentation from any party involved in the transaction.
• • Day-to-day responsibilities include re-underwriting closed loan files for adherence to agency or lender guidelines, reviewing compliance documentation, analyzing closing documents (mortgage note, CD, TRID), conducting fraud investigations using tools like Lexis Nexis, attending meetings to discuss investor-identified defects, collaborating with underwriting and sales teams to resolve issues, preparing formal written responses to agencies or investors, reporting deficiencies for training purposes, and coordinating with legal on potential SAR filings.
• • CrossCountry Mortgage (CCM) is the nation’s number one distributed retail mortgage lender with over 7,000 employees across 700+ branches, servicing loans in all 50 states, D.C., and Puerto Rico. Recognized ten times on the Inc. 5000 list, CCM fosters an entrepreneurial, transparent culture where employees are empowered to grow and contribute to company success through cross-departmental support and top-down transparency.
• • In this role, you will deepen your expertise in mortgage compliance, fraud detection, and investor agency guidelines (FNMA, FHLMC, FHA, VA, USDA), strengthen analytical and investigative skills, gain experience with Ellie Mae Encompass (preferred), and contribute to risk mitigation and quality control processes that protect the company from buy-back requests and regulatory exposure.