Job Overview
Location
Remote USA
Job Type
Full-time
Category
Operations
Date Posted
May 17, 2026
Full Job Description
đź“‹ Description
- • Lead and oversee the Agency Underwriting Department, ensuring consistent adherence to service level agreements (SLAs) for conventional, FHA, VA, and USDA loan products.
- • Underwrite complex conventional and government-backed mortgage loans, including FHA, VA, and USDA loans, in full compliance with federal agency guidelines and regulatory requirements.
- • Provide second-level underwriting reviews and resolutions for escalated loan cases, addressing high-risk or non-standard scenarios that require expert judgment.
- • Serve as the primary point of contact for branch teams, delivering clear guidance on underwriting escalations, policy interpretations, and compliance concerns via phone and email.
- • Monitor and analyze the underwriting pipeline to maintain productivity, identify bottlenecks, and ensure timely loan processing consistent with established SLAs.
- • Manage and report on underwriter bonus structures, tracking performance metrics and ensuring accurate compensation alignment.
- • Mentor, coach, and develop underwriting staff under supervision of senior management, fostering skill enhancement and performance improvement across the team.
- • Collaborate with operations and sales teams to uphold high customer service standards and resolve systemic underwriting issues impacting branch efficiency.
- • Prepare and distribute departmental reports on underwriting volume, compliance, turnaround times, and key performance indicators to senior leadership.
- • Participate in special projects as directed by the Chief Operating Officer, including process improvements, policy updates, training initiatives, and compliance audits.
- • Apply extensive knowledge of ATR/QM requirements and federal lending disclosures to ensure all underwriting decisions meet regulatory standards.
- • Maintain accurate documentation and audit trails for all underwriting actions, ensuring alignment with internal controls and external regulatory expectations.
- • Utilize problem-solving skills and deep experience with agency guidelines to resolve ambiguous or conflicting loan scenarios efficiently and compliantly.
- • Ensure all underwriting activities align with company policies, industry best practices, and federal agency mandates, including HUD and VA Direct Endorsement standards.
- • Work closely with technology and operations teams to optimize underwriting workflows and system utilization, including proficiency in Encompass LOS where applicable.
- • Communicate changes in underwriting guidelines, regulatory updates, or internal policy adjustments clearly to stakeholders across multiple departments.
- • Promote a culture of accountability, transparency, and continuous improvement within the underwriting team and across cross-functional groups.
- • Perform other duties as assigned by senior management to support organizational goals and operational excellence.
🎯 Requirements
- • 5+ years’ mortgage underwriting experience with FHA, VA, USDA, and conventional loan guidelines
- • 3+ years’ underwriting management experience
- • Direct Endorsement (HUD) and/or SAR authority (VA) status, with USDA experience preferred
- • Extensive knowledge of FHA, VA, and conventional loan underwriting standards
- • Working knowledge of ATR/QM requirements and mortgage compliance disclosures
- • Proficiency in Microsoft Word, Excel, and Outlook; Encompass LOS experience preferred
🏖️ Benefits
- • Competitive compensation plan
- • Comprehensive medical, dental, and vision coverage
- • 401(k) retirement plan
- • Company-provided short-term disability insurance
- • Employee Assistance Program (EAP)
- • Wellness program
Skills & Technologies
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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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