Non-QM Income Expert & Scenario Specialist

CrossCountry Mortgage, LLC; United States; Remote; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical, dental, vision

401K

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage, LLC in the United States is seeking a Non-QM Income Scenario Specialist (Wholesale) to calculate and review income for various loan types before underwriting. You will ensure accuracy and meet turn times while interpreting investor guidelines.

The role requires analyzing complex income documents, collaborating with loan officers and processors, and maintaining knowledge of IRS forms related to underwriting. Strong communication and problem-solving are essential.

Qualifications

• Bachelor's degree or equivalent combination of education and experience, preferred.
• Minimum 4 years of underwriting experience, underwriting to multiple agency and investor guidelines, preferred.
• Jumbo/Non-Agency and Non-QM underwriting background, preferred.
• Experience using LoanBeam and Encompass, preferred.
• Excellent communication, negotiation, customer service, and problem-solving skills.
• Proficient with Microsoft Word, Excel, and Outlook.

Responsibilities

• Perform daily loan support via a ticketing system, calls, email, and in-person for underwriting questions.
• Review income calculations per investor guidelines and respond with explanations.
• Assist with calculating income from sources including self-employment, bank statements, rental income, etc.
• Analyze underwriting scenarios and suggest alternatives with different investors.
• Review and calculate income using complex income documentation and provide calculations for qualifying.
• Maintain knowledge of IRS income filing forms relevant to underwriting.
• Create technical documentation, system documentation, and FAQs as needed.
• Track tasks and time spent to meet turnaround times and participate in calls.

Skills

Underwriting experience

Jumbo underwriting

Non-QM underwriting

LoanBeam

Encompass

Communication skills

MS Word/Excel/Outlook

Education

Bachelor's degree

Tools

LoanBeam

Encompass

Job description

CrossCountry Mortgage, LLC in the United States is seeking a Non-QM Income Scenario Specialist (Wholesale) to calculate and review income for various loan types before underwriting. You will ensure accuracy and meet turn times while interpreting investor guidelines.

The role requires analyzing complex income documents, collaborating with loan officers and processors, and maintaining knowledge of IRS forms related to underwriting. Strong communication and problem-solving are essential.