Pre Approval Specialist (Hybrid)

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. CCM offers eligible employees competitive compensation and a robust benefits package, including medical, dental, vision, 401K, short-term disability, employee assistance program and wellness program. Position Overview The Pre Underwriting Specialist (Hybrid) is responsible for fully qualifying and pre‑underwriting loan files upfront to ensure clean submissions and well‑positioned approvals. This role focuses on loan analysis, scenario assessment, and strategic structuring prior to disclosure delivery and processing, emphasizing thorough upfront review, documentation accuracy, and thoughtful evaluation of borrower eligibility across multiple loan products. Job Responsibilities Identify documentation gaps early in the process and communicate required items clearly. Review, verify, and pre‑underwrite supporting documentation such as paystubs, W‑2s, bank statements, credit reports, and court orders to support loan eligibility. Perform advanced income analysis, including complex and self‑employed borrower scenarios. Conduct credit reviews and assess borrower risk profiles. Review borrower’s assets and validate eligibility requirements. Run and interpret automated underwriting findings through DU and LP. Determine appropriate loan products based on borrower qualifications and program guidelines. Strategically structure loan scenarios, including DTI management, debt‑payoff strategies, mortgage insurance planning, and identification of compensating factors. Prepare detailed written findings that include income calculations, DTI, risk considerations, contingencies, and recommended next steps. Monitor and help manage a pipeline that may include Conventional, FHA, VA, USDA, Jumbo, renovation, and reverse mortgage products. Coordinate file setup, disclosures input, and loan presentation to support accurate and timely processing. Qualifications and Skills 3+ years of mortgage processing, underwriting, or origination experience. Experience with Encompass LOS, preferred. Knowledge of RESPA guidelines and all mortgage and consumer regulations. Knowledge of DU, LP, Microsoft Outlook, and Windows. Skilled at interpreting and applying mortgage guidelines at a level comparable to an underwriter. Skilled at advanced income calculations. Excellent math and analytics skills. Excellent communication skills. Excellent prioritization and time management skills to meet deadlines. Pay Range Annual Salary: Up to $150,000.00, consisting of base plus bonus. EEO Statement 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 Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. #J-18808-Ljbffr CrossCountry Mortgage, LLC