Pre-Approval Specialist

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. 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 Specialist serves as a liaison between the organization’s internal and external clients. The Pre-Approval Specialist 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. This position operates within Pacific Standard Time Zone working hours to support the West Coast region.

Job Responsibilities:

• Provide superior 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, includes 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 or processing experience, a plus.
• Knowledge of RESPA guidelines and all mortgage and consumer regulations.
• Knowledge of DU, LP, Microsoft Outlook, and Windows.
• Excellent math and analytics skills.
• Excellent communication skills.
• Excellent prioritization and time management skills to meet deadlines.

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. 

Pay Range:

• Hourly Pay: $25.00 - $34.00
• Eligible for per file bonus

The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position.

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