Strategic Underwriting Specialist

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

Benefits offered by this job

Medical, dental, vision insurance

401K plan

Disability coverage

Job summary

CrossCountry Mortgage, LLC is seeking a Strategic Underwriting Specialist to serve as a flexible resource across multiple teams. This role covers pipelines during absences, absorbs overflow volume, and ensures files are updated through post-closing.

Remote work with a reliable home office is required.

Qualifications

• 5+ years of front-line mortgage underwriting across all agency product types.
• Active DE (Direct Endorsement), SAR (Staff Appraisal Reviewer), and LAPP (Lender Appraisal Processing Program) certifications.
• Experience with Encompass LOS is preferred.
• Experience in a floater, lead underwriter, or senior underwriter capacity is preferred.
• Advanced knowledge of agency guidelines, AUS findings (DU/LP), and investor overlays.

Responsibilities

• Cover underwriter pipelines during planned and unplanned absences, including vacation, leave, and other time-off scenarios.
• Absorb overflow loan volume across multiple teams to ensure production targets and service level commitments are met.
• Review and update loan files upon return from closing for any changes, adjustments, or outstanding conditions requiring resolution.
• Identify and correct time-entry discrepancies and other issues in Workday in coordination with team managers.
• Operate as a floater across multiple underwriting teams, adapting quickly to varying pipelines, team structures, and lender overlays.
• Underwrite loans across all agency product types in compliance with applicable guidelines, investor requirements, and company policies.
• Maintain clear, timely communication with VP of Underwriting, team managers, and support staff regarding pipeline status and priority items.
• Uphold all quality standards and regulatory requirements consistent with the organization's underwriting practices.
• Work remotely with a reliable internet connection and maintain a professional home office environment.
• Maintain availability during standard business hours with flexibility for peak production periods and occasional overtime.

Skills

5+ years underwriting

Remote work

Communication

Detail-oriented

Tools

Encompass LOS

Workday HR

AUS findings (DU/LP)

Job description

## Strategic Underwriting SpecialistApplyremote type: Remotelocations: Remote USAtime type: Full timeposted on: Posted Todayjob requisition id: JR03466CrossCountry 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 Strategic Underwriting Specialist is a highly experienced underwriting professional who serves as a flexible resource across multiple underwriting teams. This individual plays a critical role in maintaining operational continuity by covering pipelines during staff absences, absorbing overflow volume, and ensuring files are accurately updated as they move through the post-closing process. The Strategic Underwriting Specialist operates with a high degree of independence and professionalism, seamlessly integrating into any team while maintaining the highest standards of quality and compliance.**Job Responsibilities:*** Cover underwriter pipelines during planned and unplanned absences, including vacation, leave, and other time-off scenarios.* Absorb overflow loan volume across multiple teams to ensure production targets and service level commitments are met.* Review and update loan files upon return from closing for any changes, adjustments, or outstanding conditions requiring resolution.* Identify and correct time-entry discrepancies and other issues in Workday in coordination with team managers.* Operate as a floater across multiple underwriting teams, adapting quickly to varying pipelines, team structures, and lender overlays.* Underwrite loans across all agency product types in compliance with applicable guidelines, investor requirements, and company policies.* Maintain clear, timely communication with VP of Underwriting, team managers, and support staff regarding pipeline status and priority items.* Uphold all quality standards and regulatory requirements consistent with the organization's underwriting practices.* Work remotely with a reliable internet connection and maintain a professional home office environment.* Maintain availability during standard business hours with flexibility for peak production periods and occasional overtime.**Qualifications and Skills:*** 5+ years of front-line mortgage underwriting experience across all agency product types.* Active DE (Direct Endorsement), SAR (Staff Appraisal Reviewer), and LAPP (Lender Appraisal Processing Program) certifications.* Experience with Encompass LOS, preferred.* Experience in a floater, lead underwriter, or senior underwriter capacity, preferred.* Experience working in a high-volume, dynamic production environment, preferred.* Advanced knowledge of agency guidelines, AUS findings (DU/LP), and investor overlays.* Demonstrated proficiency in underwriting Conventional, FHA, USDA, and VA loan products.* Familiarity with Workday HR/time management platform, preferred.* Skilled in managing multiple pipelines simultaneously across different teams and priorities.* Excellent attention to detail with a record of delivering accurate, high-quality underwriting decisions.* Excellent communication skills; independently effective in a remote environment.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.CrossCountry Mortgage, LLC offers **MORE** than a job, we offer a career. Apply now to begin your path to success! careersatccm.comCrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com**California residents:** Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.**CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”).** **The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.****CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit** **www.NMLSConsumerAccess.org****.**