Strategic Underwriting Specialist

CrossCountry Mortgage, LLC; United States; On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical, dental, vision

401K

Short-term disability

Employee assistance program

Wellness program

Job summary

CrossCountry Mortgage, LLC is seeking a Strategic Underwriting Specialist to operate as a remote floater across multiple underwriting teams. The role requires extensive front-line mortgage underwriting experience and independence to maintain high-quality, compliant files through the post-closing process.

Candidates should have DE/SAR/LAPP certifications and strong knowledge of agency guidelines, AUS findings, and investor overlays.

Qualifications

• -5+ years of front-line mortgage underwriting across all agency product types.
• -Active DE, SAR, and LAPP certifications.
• -Experience with Encompass LOS is preferred.
• -Experience as floater/lead/senior underwriter is preferred.
• -Strong knowledge of agency guidelines, AUS findings (DU/LP), and investor overlays.
• -Proficiency in underwriting Conventional, FHA, USDA, and VA loans.
• -Familiarity with Workday HR/time management platform is preferred.
• -Ability to manage multiple pipelines across teams and priorities.
• -Excellent attention to detail with accurate underwriting decisions.
• -Excellent communication in a remote environment.

Responsibilities

• Cover underwriter pipelines during planned and unplanned absences.
• Absorb overflow loan volume across multiple teams to meet production targets.
• Review and update loan files after closing for changes, adjustments, or conditions.
• Identify and correct time-entry discrepancies in Workday with team managers.
• Operate as a floater across multiple underwriting teams and adapt to pipelines and lender overlays.
• Underwrite loans across all agency product types in compliance with guidelines and investor overlays.
• Maintain clear, timely communication with VP of Underwriting and managers.
• Uphold quality standards and regulatory requirements.
• Work remotely with a reliable internet connection and professional home office.
• Maintain availability during standard hours with flexibility for peak periods and overtime.

Skills

Mortgage underwriting

DE certification

SAR certification

LAPP certification

AUS findings

Remote collaboration

Multi-pipeline management

Time management

Underwriting knowledge (agency)

Tools

Encompass LOS

Workday

Job description

CrossCountry 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.

CrossCountry 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