Pre Underwriting Specialist

CrossCountry Mortgage, LLC

Pre Underwriting Specialist focusing on loan analysis and documentation for approvals. Analyzing borrower eligibility and structuring loan scenarios for CrossCountry Mortgage.

Posted 4/16/2026full-timeDallas • Texas • 🇺🇸 United StatesMid-LevelSenior💰 $150,000 per yearWebsite

About the role

Key responsibilities & impact

Fully qualifying and pre-underwriting loan files upfront to ensure clean submissions.
Loan analysis, scenario assessment, and strategic structuring prior to disclosure delivery and processing.
Identifying documentation gaps early in the process and communicating required items clearly.
Reviewing, verifying, and pre-underwriting supporting documentation such as paystubs, W-2s, bank statements, credit reports, and court orders.
Performing advanced income analysis, including complex and self-employed borrower scenarios.
Conducting credit reviews and assessing borrower risk profiles.
Reviewing borrower’s assets and validating eligibility requirements.
Running and interpreting automated underwriting findings through DU and LP.
Preparing detailed written findings that include income calculations, DTI, risk considerations, contingencies, and recommended next steps.
Monitoring and helping manage a pipeline that may include various mortgage products.

Requirements

What you’ll need

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 prioritization and time management skills to meet deadlines.

Benefits

Comp & perks

Medical
Dental
Vision
401K
Short-term disability
Employee assistance program
Wellness program

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

loan analysisscenario assessmentstrategic structuringadvanced income analysiscredit reviewsautomated underwritingincome calculationsDTI calculationsrisk assessmentpipeline management

Soft Skills

communicationprioritizationtime managementanalytical skillsattention to detail