Income & Guideline Analyst: Mortgage Underwriting Expert

CrossCountry Mortgage; Lakewood (WA); Vor Ort; USD 65.000 - 100.000; Vollzeit

Zusammenfassung

CrossCountry Mortgage in the United States seeks an Income and Guideline Specialist to calculate income for loans and interpret investor guidelines. You will serve as the central contact for Loan Officers and Processors, applying complex income data from wages, self-employment, assets, and other sources to support underwriting decisions.

Responsibilities include calculating income per investor guidelines, analyzing scenarios, and communicating methods and rationale clearly.

Qualifikationen

• Bachelor's degree or equivalent experience, preferred.
• At least 4 years of underwriting experience with multiple agency and investor guidelines.
• Jumbo/Non-Agency and Non-QM underwriting background preferred.
• Government underwriting experience with designations (DE/VA) preferred.
• Excellent communication, negotiation, customer service and problem-solving skills.
• Proficient with Word, Excel and Outlook; familiarity with LoanBeam and Encompass preferred.

Aufgaben

• Daily loan support via ticketing, calls, email, and in-person for underwriting questions.
• Review income guidelines and respond to underwriting queries with investor requirements.
• Assist with calculating income per investor guidelines and specifications.
• Analyze underwriting scenarios and suggest alternates per investor guidelines.
• Work with tax returns, bank statements, P&L, balance sheets, rental income docs, etc., for qualification.
• Maintain knowledge of IRS forms relevant to underwriting qualification.
• Create system and process documentation as needed.
• Track tasks and meet turn-times; participate in department calls and training.

Kenntnisse

Underwriting experience

Investor guidelines

Communication skills

Problem solving

Customer service

Ausbildung

Bachelor's degree

Tools

Encompass

LoanBeam

Microsoft Word

Excel

Outlook

Jobbeschreibung

CrossCountry Mortgage in the United States seeks an Income and Guideline Specialist to calculate income for loans and interpret investor guidelines. You will serve as the central contact for Loan Officers and Processors, applying complex income data from wages, self-employment, assets, and other sources to support underwriting decisions.

Responsibilities include calculating income per investor guidelines, analyzing scenarios, and communicating methods and rationale clearly.