NVP of Agency Underwriting (West Coast)

CrossCountry Mortgage, LLC

Job Overview

Location

Remote USA

Job Type

Full-time

Full Job Description

📋 Description

• Lead and manage the Agency Underwriting Scenario Team, ensuring consistent application of underwriting standards and alignment with CCM’s risk appetite across all loan types.
• Conduct second-level reviews of loan-level escalations tracked in Airtable, including complex scenarios, fraud reviews, exception requests, and quality reporting findings, providing definitive decisions and documented rationale.
• Deliver detailed feedback and decision summaries to VPs of Underwriting during mandatory daily team calls, ensuring transparency and alignment across the underwriting leadership team.
• Perform weekly spot checks of VP-level escalation reviews not escalated to second-level review, documenting corrections, clarifications, and deviations to ensure adherence to policy.
• Generate and analyze monthly escalation reports detailing outcomes, trends, and SLA compliance, presenting findings to the SVP of Agency Underwriting and VPs to drive operational improvements.
• Grow and develop the Agency Underwriting Scenario Team by providing coaching, feedback, and clarity on agency insights, post-closing issues, and risk policy updates to enhance team performance and consistency.
• Ensure the Agency Underwriting Scenario Team manager meets service level agreements (SLAs), maintains appropriate staffing levels, and conducts weekly team meetings and bi-weekly spot checks on team responses.
• Participate in and ensure the Scenario Team manager attends all applicable underwriting meetings, RUM meetings, and at least one monthly Scenario Team meeting.
• Manage, update, and publish the “Agency Questions Log” in Airtable and on the Underwriting page of the Landing at least once per month to maintain current and accurate guidance for underwriters.
• Monitor and ensure VPs are effectively managing the Red Loan Report and Reg B pipeline, following up on loans that fall outside SLA thresholds and taking corrective actions as needed.
• Communicate Credit Policy updates and changes directly to Branch and Operations teams through scheduled sales and operations meetings, ensuring field alignment with underwriting standards.
• Conduct regular branch calls (daily, weekly, or monthly) as required to address underwriting concerns, provide guidance, and reinforce policy compliance across the West Coast region.
• Operate primarily within Pacific Time or Mountain Time zones to align with West Coast operational needs and support regional underwriting leadership.
• Collaborate cross-functionally with Credit Risk, Training, Operations, Processing, Closing, Post-Closing, Quality Control, and the Encompass team on joint projects, process improvements, and communication initiatives.
• Maintain strict compliance with FHA, VA, and conventional loan program guidelines while evaluating risk and making underwriting decisions.
• Demonstrate high levels of self-motivation, initiative, and ownership in driving underwriting quality, team development, and policy clarity across a nationwide distributed network.

🎯 Requirements

• Bachelor’s degree in Business or Finance; advanced degree preferred
• 10+ years of experience in mortgage underwriting with at least 2 years of management experience
• Extensive knowledge of risk evaluation and regulatory compliance in mortgage lending
• Proven expertise in FHA, VA, and conventional loan programs
• Demonstrated ability to lead teams, provide constructive feedback, and improve underwriting performance
• Highly self-motivated with strong decision-making and communication skills

🏖️ Benefits

• Competitive compensation plan
• Comprehensive medical, dental, and vision benefits
• 401K retirement plan
• Company-provided short-term disability coverage
• Employee Assistance Program (EAP)
• Wellness program

Skills & Technologies

Remote

Degree Required

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CrossCountry Mortgage, LLC

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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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