Job Overview
Location
Remote USA
Job Type
Full-time
Category
Product Management
Date Posted
March 27, 2026
Full Job Description
đź“‹ Description
- • The Junior Government Underwriter role at CrossCountry Mortgage is a critical entry point into the mortgage underwriting function, focusing on VA IRRRL and FHA Streamline loans—two of the most common government-backed refinance products. This position ensures that eligible borrowers receive timely, accurate, and compliant loan approvals, directly supporting CCM’s mission to provide accessible home financing while maintaining regulatory integrity and operational excellence.
- • Day-to-day responsibilities include fully underwriting VA IRRRL and FHA Streamline loans by reviewing loan documentation in the Encompass LOS for credit accuracy, identifying missing or incomplete items, and communicating with branches, processing teams, and management to clear conditions. The role requires maintaining strict service level agreements (SLAs), updating loan files as needed, and ensuring every file complies with federal (e.g., HUD, VA, FHA), state, and investor-specific guidelines, as well as internal CCM policies.
- • The Junior Government Underwriter will work within a high-volume, fast-paced retail mortgage environment at a nationally recognized lender with over 7,000 employees and 700+ branches across all 50 states, D.C., and Puerto Rico. The team operates with entrepreneurial spirit and total transparency, where collaboration across departments is encouraged and supported by leadership committed to employee growth and inclusion.
- • This role offers significant professional development in government loan underwriting—a specialized and in-demand skill set in the mortgage industry. Success here can lead to advancement into senior underwriting, specialty loan roles (e.g., jumbo, conventional), or team lead positions, while building deep expertise in compliance, risk assessment, and loan documentation analysis that is transferable across the financial services sector.
🎯 Requirements
- • High School Diploma or equivalent
- • Minimum of 2 years of processing experience in retail mortgage lending
- • Proficiency with Encompass loan origination system
- • Working knowledge of FNMA/FHLMC eligibility guidelines
- • Strong proficiency in Microsoft Office Suite (Outlook, Word, Teams, Excel)
- • Excellent communication, prioritization, time management, attention to detail, and analytical skills
🏖️ Benefits
- • Competitive hourly pay range of $26.44–$27.88 with potential for growth based on experience and performance
- • Comprehensive benefits package including medical, dental, vision, and 401(k) retirement plan
- • Company-provided short-term disability, employee assistance program (EAP), and wellness program
- • Opportunities for career advancement within a fast-growing, award-winning company recognized on the Inc. 5000 list ten times
- • Supportive, transparent culture with unwavering cross-departmental backing and commitment to diversity, equity, and inclusion
Skills & Technologies
About CrossCountry Mortgage, LLC
CrossCountry Mortgage is a national retail mortgage lender headquartered in Brecksville, Ohio. Licensed in all 50 states, it originates and funds conventional, FHA, VA, USDA, jumbo and specialty loan products for purchase and refinance transactions through its network of retail branches, wholesale and correspondent channels. Founded in 2003, the company operates as a direct lender and employs loan officers, processors and underwriters to provide end-to-end mortgage services to consumers, real estate professionals and builders.
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