Exception Desk Analyst – Non-QM

CrossCountry Mortgage, LLC

. Review and disposition of guideline exception requests.

Posted 5/15/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $95,000 - $100,000 per yearWebsite

About the role

Key responsibilities & impact

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.

Requirements

What you’ll need

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.

Benefits

Comp & perks

medical
dental
vision
401K
company-provided 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

guideline exception requestsexception disposition termsscenario evaluationguideline gap analysisexception administrationproduct development

Soft Skills

analytical skillscommunication skillsprioritization skillsattention to detail

Certifications

Bachelor’s degree