Pre Underwriting Specialist (Hybrid)

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 Underwriting Specialist (Hybrid) is responsible for fully qualifying and pre‑underwriting loan files upfront to ensure clean submissions and well‑positioned approvals. This role focuses on loan analysis, scenario assessment, and strategic structuring prior to disclosure delivery and processing. This role emphasizes thorough upfront review, documentation accuracy, and thoughtful evaluation of borrower eligibility across multiple loan products.

Job Responsibilities:

• Identify documentation gaps early in the process and communicate required items clearly.
• Review, verify, and pre‑underwrite supporting documentation such as paystubs, W‑2s, bank statements, credit reports, and court orders to support loan eligibility.
• Perform advanced income analysis, including complex and self‑employed borrower scenarios.
• Conduct credit reviews and assess borrower risk profiles.
• Review borrower’s assets and validate eligibility requirements.
• Run and interpret automated underwriting findings through DU and LP.
• Determine appropriate loan products based on borrower qualifications and program guidelines.
• Strategically structure loan scenarios, including DTI management, debt‑payoff strategies, mortgage insurance planning, and identification of compensating factors.
• Prepare detailed written findings that include income calculations, DTI, risk considerations, contingencies, and recommended next steps.
• Monitor and help manage a pipeline that may include Conventional, FHA, VA, USDA, Jumbo, renovation, and reverse mortgage products.
• Coordinate file setup, disclosures input, and loan presentation to support accurate and timely processing.

Qualifications and Skills:

• 3+ years of mortgage processing, underwriting, or origination experience.
• Experience with Encompass LOS, preferred.
• Knowledge of RESPA guidelines and all mortgage and consumer regulations.
• Knowledge of DU, LP, Microsoft Outlook, and Windows.
• Skilled at interpreting and applying mortgage guidelines at a level comparable to an underwriter.
• Skilled at advanced income calculations.
• Excellent math and analytics skills.
• Excellent communication skills.
• Excellent prioritization and time management skills to meet deadlines.

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:

• Annual Salary: Up to $150,000.00 + consisting of base plus bonus.

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.

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