Pre Underwriting Specialist
CrossCountry Mortgage, LLC
full-time
Posted on:
Location Type: Hybrid
Location: Dallas • Texas • United States
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Salary
💰 $150,000 per year
About the role
- 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
- 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
- Medical
- Dental
- Vision
- 401K
- Short-term disability
- Employee assistance program
- Wellness program
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
loan analysisscenario assessmentstrategic structuringadvanced income analysiscredit reviewsautomated underwritingincome calculationsDTI calculationsrisk assessmentpipeline management
Soft Skills
communicationprioritizationtime managementanalytical skillsattention to detail