Job Overview
Location
Remote USA
Job Type
Full-time
Category
Product Management
Date Posted
March 27, 2026
Full Job Description
đź“‹ Description
- • The Non-Agency Underwriter at CrossCountry Mortgage plays a critical role in ensuring loan quality and compliance by validating income, asset, and collateral documentation—particularly for self-employed borrowers—directly supporting the company’s mission as the nation’s top distributed retail mortgage lender with over 7,000 employees and 700+ branches nationwide.
- • This role is essential to maintaining investor and program compliance, managing risk, and enabling smooth loan closings, which directly contributes to CCM’s award-winning culture of transparency, entrepreneurial spirit, and employee empowerment across all 50 states, D.C., and Puerto Rico.
- • Evaluate loan applications for risk, accuracy, consistency, and completeness against investor requirements and program guidelines.
- • Calculate qualifying income by analyzing complex tax returns, financial statements, and self-employed borrower documentation, including business returns and K-1s.
- • Review and analyze borrower profiles, credit reports, title reports, income documentation, and assets to assess eligibility and identify potential red flags.
- • Review new loan files to ensure compliance with investor and program criteria, including meeting minimum production requirements and turn time expectations.
- • Communicate proactively with loan originators, processors, branch managers, funders, and post-closers regarding loan decisions, conditions, investor guidelines, and documentation needs.
- • Utilize third-party services (valuation, fraud, compliance) to enhance decision-making and ensure regulatory adherence.
- • Manage individual underwriting pipeline daily by completing new reviews, condition clearances, and other tasks within established service level agreements.
- • Perform other related duties as assigned to support team efficiency and operational excellence.
- • CrossCountry Mortgage fosters a culture where employees are empowered to be themselves, supported by unwavering departmental collaboration and total transparency from leadership, directly driving engagement and company success.
- • The company has been recognized ten times on the Inc. 5000 list of fastest-growing private businesses and is celebrated for its standout culture, offering employees a clear path to grow and thrive in a dynamic, inclusive environment.
- • In this role, you will deepen your expertise in non-agency and jumbo underwriting, gain mastery over complex income analysis and investor guidelines, and position yourself as a trusted subject matter expert within a national leader in mortgage lending.
- • You will develop advanced skills in risk assessment, compliance navigation (including ATR/QM), and cross-functional collaboration—building a career path with long-term growth potential in a company that invests in employee development and internal mobility.
🎯 Requirements
- • Bachelor’s degree or equivalent combination of education and experience.
- • Minimum of 3 years’ Non-Agency underwriting experience.
- • 3+ years’ Jumbo products experience.
- • Experience reviewing residential appraisals and complex self-employed tax returns (including business returns and financial statements).
- • Working knowledge of ATR/QM requirements and compliance/disclosure standards.
- • Proficient in Microsoft Word, Excel, and Outlook; Encompass LOS experience is a plus.
🏖️ Benefits
- • Competitive hourly pay range of $43.26 - $48.07, with bonus eligibility where applicable.
- • Comprehensive benefits package including medical, dental, vision, and 401K retirement plan.
- • Company-provided short-term disability, employee assistance program (EAP), and wellness program.
- • Opportunity to work remotely within the USA with a company recognized for its award-winning culture and commitment to employee growth and inclusion.
Skills & Technologies
Remote
Degree Required
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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