Guideline Structuring Analyst/Manager

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 Guideline Structuring Analyst/Manager is responsible for creating, administering, and maintaining underwriting guidelines and related materials for CCM’s proprietary loan programs, which include agency, prime credit jumbo, Non-QM, and multi-family/commercial loans originated across multiple channels. This role initiates guideline updates and maintenance, working with various departments, including product development, to ensure that all steps required for a rollout are completed and that the information provided is accurate, clear, and consistent.

Job Responsibilities:

· Act as the primary author on underwriting guidelines and related materials on assigned products.

· Complete guideline gap analyses to develop new products and identify gaps between existing products and marketplace for management review.

· Initiate the guideline update process by gathering information, presenting recommendations for review, updating related documents, and coordinating with pricing and product development to ensure accurate and timely deployment.

· Maintain guidelines across multiple origination channels, ensuring consistency and leaving only gaps that are intended.

· Conduct credit training related to new product rollouts and updates as needed.

· Assist scenario, exception, underwriting, and post-closing teams to address and resolve any ambiguities that exist within the guidelines and identify frequent exception requests for future guideline consideration.

· Develop and maintain a set of frequently asked questions and responses, which can be used to identify potential guideline clarifications and/or enhancements, and opportunities to better train sales and/or underwriting teams.

· Additional ad-hoc responsibilities as needed.

Qualifications and Skills:

· Bachelor’s degree preferred, or equivalent combination of education and experience.

· 5+ years of experience in the mortgage industry or a related field.

· Experience drafting mortgage underwriting guidelines.

· Experience with Non-QM mortgages, preferred.

· Encompass software experience, preferred.

· Excellent communication skills.

· Excellent attention to detail and prioritization 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.