CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.

A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview

The Pre-Approval Specialist/LOA provides support to CrossCountry Mortgage, LLC’s (“CCM”) mortgage loan officers in their daily duties, helps drive exceptional customer experiences and loan volume. This role combines customer interaction, document review, and administrative expertise to streamline the loan process and ensure smooth closings.

This position primarily operates within Pacific Time zone working hours to support the West Coast region.

Job Responsibilities

• Collaborate with loan officers to assist in structuring or restructuring loans.
• Pre-underwrite and/or pre-approve loans by reviewing financial documents and applications that help support approval of the loan; including paystubs, W-2s, bank statements, credit reports, and court orders.
• Review and audit loan files for any missing document and generate a needs list based on evaluation of the documents provided; including verifying credit documents within the mortgage files to ensure loan stability.
• Track outstanding documentation and follow up with appropriate individuals to ensure timely submission.
• Create and deliver rate disclosures and re-disclosure packages; communicate loan program details, disclosures, and cost estimates to borrowers, if appropriate license is held.
• Deliver appraisal reports and property valuations; confirm borrow receipt and communicate with all parties involved on status of closings.
• Manage a loan pipeline that includes Conforming, FHA, VA, USDA, Jumbo and Non-QM mortgage products.
• Assist with system entry and document preparation using Encompass, Blend, Optimal Blue, and Mortgage Coach.

Qualifications And Skills

• High School Diploma, General Equivalency Diploma (GED), or equivalent.
• A minimum of 5 years of mortgage banking and real estate transaction experience.
• NMLS and state MLO license, preferred.
• Experience with Encompass, Optimal Blue and Mortgage Coach.
• Experience in communicating with clients, borrowers and realtors.
• Knowledge of Conforming, FHA/VA/USDA, Jumbo & Non-QM guidelines and requirements
• Knowledge of income calculations for salaried and complex self-employed borrowers.
• Proficient in evaluating and calculating various types of income including RSU income as well as self-employment income from multiple tax return types, including 1040s, 1065s, and 1120s.
• Proficient in Microsoft Office.
• Skilled in running automated underwriting systems including DU/LP.
• Effective communication, prioritization and multitasking skills.

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.

Pay Range

• Hourly Rate: 28.84 - 31.25
• Bonus Eligible if applicable

The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position

CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com

California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.

CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.

CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.