Pre-Approval Manager

CrossCountry Mortgage, LLC; Northern (KY); Hybrid; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

401K

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage is seeking a Pre Approval Manager to oversee the loan process from start to finish, ensuring borrowers receive the best financial program. The role requires auditing income/assets, reviewing disclosures, and managing a pipeline of diverse loan types while ensuring loan stability.

You will use Encompass LOS with DU/LP, communicate clearly with borrowers, and uphold RESPA regulations. A bachelor’s degree or equivalent and 3–5 years of mortgage processing experience are

Qualifications

• 3-5 years of residential mortgage processing experience.
• Experience with Encompass LOS preferred.
• Knowledge of RESPA guidelines and mortgage regulations.
• Strong math, analytics, and communication skills.

Responsibilities

• Provide customer service by explaining loan programs, costs, and documents to borrowers.
• Review income/assets, run DU, verify credit documentation for loan stability.
• Review disclosures and deliver rate and re-disclosures to borrowers.
• Manage a pipeline of Conventional, FHA, VA, USDA loans and others.
• Ensure loan structure presents best program based on borrower's finances.
• Pre-underwrite items to support loan approval and identify missing docs.

Skills

Mortgage processing

Underwriting

DU/LP analysis

Encompass LOS

Regulatory knowledge

Client communication

Time management

Education

Bachelor’s degree or equivalent

Tools

Encompass LOS

Microsoft Outlook

Windows

Job description

## Pre-Approval ManagerApplyremote type: Remotelocations: Remote USAtime type: Full timeposted on: Posted Todayjob requisition id: JR03429CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 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 Manager serves as a liaison between the organization’s internal and external clients. The Pre Approval Manager oversees and is directly involved in the loan process from start to finish in efforts to aid CrossCountry Mortgage borrowers to the best financial program. **Job Responsibilities:*** Provide customer service by communicating with borrowers to assist client(s) in understanding loan programs, costs, and various applicable loan documents.* Review and audit income, assets, run DU and verify credit documentation within mortgage file to ensure loan stability.* Review mortgage loan disclosure packages and deliver to borrower, including but not limited to rate disclosure and re-disclosure packages.* Assist in managing a pipeline consisting of Conventional, FHA, VA, and USDA loans, along with 203k, Jumbo, and reverse mortgage products.* Ensure structure of the loan presents the best program based on the borrower’s financial circumstances.* Review the file for any missing documentation that best supports approval.* Communicate loan program and costs with borrowers (license required for this duty to be performed.)* Pre-underwrite items to help support approval of the loan (paystubs, credit reports, W2’s bank statements, court orders, etc.)* Input feed for disclosures, present and set up loan to best fit borrower’s needs.**Qualifications and Skills:*** Bachelor’s degree and/or equivalent combination of education/experience.* 3-5 years’ residential mortgage processing experience.* Experience with Encompass LOS, preferred.* Prior underwriting experience, a plus.* Knowledge of RESPA guidelines and all mortgage and consumer regulations.* Excellent math and analytics skills.* Excellent communication skills.* Excellent prioritization and time management skills to meet deadlines.* Proficiency in DU, LP, Microsoft Outlook, and Windows.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.