Exception Desk Analyst (Non-QM)

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 Exception Desk Analyst (Non-QM) is responsible for reviewing and administering guideline exception requests, managing communication between sales, underwriting, secondary, and the exception desk, assisting with product development initiatives, and supporting the exception desk.


Job Responsibilities:
• Review and disposition of guideline exception requests.
• Ensure all guideline exception disposition terms (pricing hits, min rates, pricing caps, underwriting conditions) are accurately communicated and tracked within Encompass.
• Track and ensure consistency in exception disposition for a loan's entire lifecycle, from scenario evaluation to file submission to underwriting.
• Monitor communications between sales, underwriting, secondary, and the exception desk to ensure adherence to SLAs; this includes daily/weekly reviews, reminders, and working with the team to prioritize requests.
• Develop and maintain a set of frequently asked questions and responses, which can be used to identify potential guideline clarifications and/or enhancements, and opportunities to better train sales and/or underwriting.
• Identify noteworthy guideline exceptions and collaborate with the marketing department and sales leadership to highlight these loans to the sales force.
• Document, maintain, and update exception desk policies and procedures as needed.
• Identify operational improvements to exception processes to better architect the desk for scalability and improved SLAs.
• Collaborate with product development team to ensure underwriting guidelines, including proprietary loan products, are maintained across multiple origination channels and have up to date information.
• Perform guideline gap analysis against competitor product offerings and identify areas of potential improvement.
• Assist in general exception administration and product development related tasks as needed.

Qualifications and Skills:
• Bachelor's degree in related field, preferred.
• Minimum of five years' work experience in the mortgage industry or a related field.
• Experience with Non-QM mortgages, preferred.
• Encompass software experience, preferred.
• Excellent analytical and communication skills.
• Excellent prioritization skills and attention to detail.

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.com

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package:

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