CrossCountry Mortgage, LLC

Loan Originator

• Source mortgage leads
• Build business relationships with real estate agents and other lead sources
• Analyze potential loan markets and develop referral networks to locate loan prospects
• Market CCM products and services to individuals and firms
• Meet with applicants, obtain loan application information, and answer process questions
• Analyze applicants’ financial status, credit, and property evaluations to determine loan feasibility
• Explain loan types, credit options, and service terms to customers
• Generate complete loan applications and supporting documentation
• Inform applicants of additional requirements and improve applications and documentation
• Answer customer questions and respond to requests
• Handle and resolve customer complaints
• Own communication with real estate agents or referral sources
• Confer with processing and underwriting to resolve mortgage application problems
• Maintain job knowledge through education, professional publications, networks, and professional organizations
• Attend closings, open houses, CCM seminars/trainings, and other lead-generating activities

Outside Loan Originator – Hybrid

• Establish a presence for CrossCountry Mortgage, including converting incoming leads
• Analyze current rates and programs to provide accurate and timely information to borrowers
• Negotiate terms and conditions with borrowers
• Participate in all mortgage loan origination steps, including meeting prospects, counseling borrowers and taking mortgage applications by phone
• Manage personal pipeline to meet service standards and financial goals
• Learn borrowing programs and processes and stay current with changes and new products
• Learn and utilize in-house technical systems and programs
• Evaluate credit requests and determine trends in a given marketplace
• Comply with applicable federal and state compliance guidelines

Producer

• Deliver daily support to company employees through the internal ticketing system, inbound calls, emails, and Microsoft Teams video conferences
• Provide hands-on guidance and troubleshooting for Encompass LOS and third-party systems
• Resolve system errors, loan setup issues, hard stops, and disclosure concerns
• Monitor and manage the Loan Support Queue for timely and accurate resolution
• Collaborate with Loan Support Team Members and the CSM
• Develop tailored action plans for assigned branches
• Manage and participate in new system, process, and operational improvement projects
• Coordinate cross-functional initiatives with processing and support teams
• Provide training and upskilling to strengthen team knowledge
• Maintain compliance with federal, state, and agency regulations
• Maintain internal guides, procedures, knowledge bases, training, and support materials
• Mentor and provide peer training

Corporate Production Manager

Loan Officer Assistant

• Support mortgage loan officers in their daily duties to increase loan production levels
• Review mortgage loan applications, documentation, disclosure packages, and loan files
• Create rate disclosure and re-disclosure packages and deliver them to borrowers
• Identify deficiencies, clarify or correct information, and obtain additional information
• Provide clerical and phone support to loan officers and loan processors
• Support various stages and areas of lending and processing
• Manage a pipeline of conventional, FHA, VA, USDA, 203K, and reverse mortgage loans
• Deliver appraisals or property valuations and retrieve proof of receipt
• Track outstanding items and follow up with customers for required documentation
• Schedule timely loan closings with title companies and customers

Loan Processor

• Provide quality customer service by obtaining documentation needed to underwrite loans
• Order third-party documentation by communicating with customers and Loan Officers
• Provide required disclosures under applicable local, state, and federal regulations
• Review and analyze borrowers’ credit, employment, income, and assets before underwriting submission
• Assemble complete loan packages for underwriting
• Verify required documentation and complete loan checklists
• Review applications for completeness and accuracy and identify potential underwriting issues
• Prepare loan approval summaries, Forms 1008 and 1003, and verify document accuracy
• Communicate with Loan Originators, customers, and Underwriters to obtain required documentation
• Review loans for compliance with mortgage regulations and prepare disclosures
• Obtain property surveys, flood certificates, title commitments, and payoff information
• Verify vendor orders, invoices, and applicant E-file documentation
• Manage the pipeline and submit reports within allotted turnaround times
• Assist with loan setup
• Document loan-related communications in the conversation log
• Train and assist with supervision of new Loan Processors and other processing personnel
• Assist closing, secondary marketing, and loan servicing in clearing investor suspense items
• Work varying hours and overtime when needed

Senior Loan Processor

QA Engineer

• Evaluate loan origination system functionality and workflows against regulatory requirements, internal policies, and business rules
• Review regulatory requirements and determine expected LOS rules, fields, workflows, and outputs
• Interpret requirements, define expected system behavior, validate implementation, and escalate ambiguous or high-risk issues
• Design and execute tests based on regulatory requirements, system design documents, and guidance
• Run scripted tests and expand coverage for scenarios, edge cases, and related compliance behaviors
• Perform exploratory testing and investigate adjacent functionality when results are unexpected or incomplete
• Document testing results, scenarios, steps, screenshots, data, and pass/fail conclusions
• Log questions, exceptions, and potential issues and collaborate with Compliance, Legal, Technology, Operations, and external stakeholders
• Recommend next steps or potential solutions for confirmed issues
• Retest impacted areas after configuration changes, rule updates, and annual regulatory updates
• Maintain testing evidence, issue logs, and trackers for traceability and audit readiness
• Communicate testing status, findings, and open questions to Compliance and project leads
• Collaborate cross-functionally to clarify expected behavior, assess defect impact, and support remediation

Compliance Systems QA Analyst

Systems Engineer

• Serve as the primary compliance subject matter resource for assigned regulatory areas, including TILA, RESPA, TRID, and the SAFE Act
• Evaluate regulatory requirements, investor guidance, overlays, and internal policies for loan origination system functionality, workflows, disclosures, documents, and controls
• Conduct first-pass regulatory research and issue analysis and prepare work products for attorney or executive compliance review
• Translate regulatory and business requirements into business, system, and procedural requirements
• Help design rules, fields, logic, workflows, outputs, and operational impacts within the loan origination system
• Own assigned compliance-related changes from analysis through implementation and validation
• Partner with Technology, Operations, Legal, Compliance leadership, project resources, and business stakeholders
• Design and execute test scenarios, review results and defects, and identify gaps or issues requiring follow-up
• Guide QA resources by clarifying expected behavior and refining test scenarios
• Document requirements, interpretations, decisions, findings, and implementation outcomes for audit and examination needs
• Track open questions, exceptions, and dependencies through resolution
• Communicate status, issues, risks, and recommendations for assigned initiatives
• Improve processes, requirements templates, testing approaches, and documentation practices
• Serve as ongoing compliance owner for assigned loan origination system functionality
• Evaluate concerns regarding existing compliance logic and determine whether clarification, testing, or updates are needed
• Support continuous improvement by identifying enhancements, updating requirements, and validating changes

Senior Compliance Systems Analyst

Compliance

• Own medium-to-large regulatory and compliance change tickets from intake through closure documentation
• Translate Legal and business needs into business, technology, and procedural requirements
• Partner with Legal to determine system, process, control, policy, and procedure updates
• Draft detailed requirements for configuration, decisioning, workflow, fields, and technology enhancements
• Work with Technology teams, business partners, and external vendors to implement compliance-related system changes
• Design and document non-technology solutions, process updates, control enhancements, and policy or procedure changes
• Lead compliance workstreams by coordinating deliverables, timelines, dependencies, risks, and stakeholder responsibilities
• Research regulatory requirements, controls, operational processes, and current-state workflows
• Plan, coordinate, and support validation and testing activities
• Review testing results, investigate gaps, and drive follow-up actions
• Prepare project summaries, status updates, and dashboards for leadership and governance meetings
• Maintain documentation of decisions, requirements, testing evidence, approvals, and implementation outcomes
• Identify recurring issues and recommend process, system, and documentation improvements
• Facilitate implementation meetings and communicate with Legal, Operations, Technology, Risk, leadership, and other stakeholders
• Provide informal guidance to analysts and coordinators
• Support continuous improvement of the Regulatory and Compliance Change Management program

Director, Regulatory Change Initiatives

General Counsel

• Serve as the primary legal resource for fee, disclosure, document, and document-vendor matters
• Interpret federal and state mortgage regulations and provide guidance on fee treatment, disclosure timing and content, document triggers and packages, and workflow requirements
• Conduct legal research and analysis on mortgage regulatory questions
• Translate legal requirements into practical guidance and decision points for Compliance, QA, Technology, and business teams
• Review and approve regulatory requirements, interpretations, and legal positions before implementation where appropriate
• Evaluate system configurations, document logic, disclosures, workflows, and outputs for regulatory compliance
• Review testing results, findings, and evidence to determine whether system behavior and document output meet legal expectations
• Determine pass/fail conclusions and identify required follow-up questions, testing, requirement changes, or configuration updates
• Partner with Technology, Operations, Compliance, and external vendors to resolve legal, system, and document-generation questions
• Support implementation and maintenance of document-vendor legal requirements in the loan origination system
• Document legal interpretations, decisions, issue resolutions, and review conclusions for implementation, audit, examination, and internal review
• Provide timely legal input on open issues, exceptions, and questions
• Identify emerging legal issues, gaps, inconsistencies, and risks and communicate needed actions to stakeholders

Mortgage Regulatory Counsel

Manager

• Manage the Non-Funded Support Team and oversee daily responsibilities
• Ensure timely review and approval of disposition requests and compliance support cases
• Participate in the Risk Management lifecycle through JIRA ticket creation and management
• Conduct research, root cause analysis, corrective action implementation, UAT, and post-implementation validation testing
• Provide oversight to LOS pipelines, disposition accuracy, folder placement, and timely file dispositioning
• Build and maintain mechanisms for ECOA compliance event timing and disposition management
• Serve as primary contact for new product and LOS implementation and conduct compliance testing
• Support audits, examinations, monitoring, and compliance inquiries related to ECOA, FCRA, and adverse action
• Draft audit narratives and create regulatory compliance data sets
• Ensure adverse action and incompleteness notices meet regulatory requirements
• Act as a policy and procedure subject matter expert for ECOA, FCRA, and adverse action
• Review and approve disposition requests from sales teams
• Manage NFST compliance support cases, including reactivations and file disposition issues
• Adapt to changing regulations, product implementations, and evolving compliance requests

Senior Manager, NFST

General

• Manage and prioritize a caseload of appraisal orders
• Assist with ordering appraisals through Mercury Network and assign requests to qualified appraisers within established time frames
• Maintain workflow efficiency through Encompass and Mercury Network
• Process payments according to company and department policies and processes
• Maintain reports tracking appraisal assignments from order date through final completion
• Communicate with appraisers and AMCs through Encompass and Mercury Network
• Reply to customer emails and confirm appointment scheduling
• Assist Processors, Underwriters, Loan Officers, and Loan Processors with appraisal ordering and condition-management tasks
• Explain product and service progress to customers while collaborating with vendors
• Perform other duties and special projects as assigned

Junior Appraisal Coordinator

• Provide customer service by obtaining necessary documentation to underwrite loans and ordering third-party documentation
• Provide proper disclosures when required by local, state, and federal regulations
• Review and analyze borrowers’ credit, employment, income, and assets before submitting loans to underwriting
• Assemble complete loan packages in proper order for underwriting
• Verify required documentation and complete loan checklists
• Verify application completeness and accuracy and identify potential underwriting issues
• Prepare loan approval summaries, Forms 1008 and 1003, and ensure document accuracy
• Communicate with loan originators, customers, and underwriters to obtain required documentation
• Review loans for compliance with mortgage-related regulations and prepare disclosures
• Obtain property surveys, flood certificates, title commitments, and payoff information
• Verify vendor orders, invoices, and applicant e-files
• Manage the loan pipeline and submit reports within turnaround times
• Assist with loan setup
• Document loan-application communications in the conversation log
• Train and help supervise new loan processors and other processing personnel
• Assist closing, secondary marketing, and loan servicing with clearing outstanding investor suspense items

• Support mortgage loan officers in their daily duties to increase loan production levels
• Work directly with customers, loan officers, and processors to ensure a positive customer experience and facilitate timely loan closings
• Review mortgage loan applications, documentation, disclosure packages, and loan files
• Create rate disclosure and re-disclosure packages and deliver them to borrowers
• Identify deficiencies, clarify or correct information, and obtain additional information
• Provide clerical and phone support to loan officers and processors
• Support various stages and areas of lending and processing
• Assist in managing pipelines of conventional, FHA, VA, USDA, 203K, and reverse mortgage loans
• Deliver appraisals or property valuations and retrieve proof of receipt
• Track outstanding items and follow up with customers for required documentation
• Coordinate timely loan closings with title companies and customers

Loan Officer

• Source mortgage leads
• Build relationships with real estate agents and other lead sources
• Analyze potential loan markets and develop referral networks
• Market CCM products and services to individuals and firms
• Meet with applicants, obtain loan application information, and answer process questions
• Analyze applicants’ financial status, credit, and property evaluations to determine loan feasibility
• Explain loan types, credit options, and service terms
• Generate complete loan applications and corresponding documentation
• Inform applicants of additional requirements and improve applications and documentation
• Answer customer questions and respond to requests
• Handle and resolve customer complaints
• Own communication with real estate agents and referral sources
• Confer with processing and underwriting to resolve mortgage application problems
• Maintain mortgage industry knowledge through education, publications, networks, and professional organizations
• Participate in mortgage sales activities, including closings, open houses, CCM seminars/trainings, and lead-generating activities

Senior Loan Officer

• Review and analyze borrowers’ credit, employment, income, and assets before underwriting submission
• Assemble complete loan packages in proper underwriting order
• Verify required documentation and complete loan checklists
• Ensure applications are complete and accurate and identify potential underwriting issues
• Prepare loan approval summaries, Forms 1008 and 1003, and verify document accuracy
• Communicate with loan originators, customers, and underwriters to obtain required documentation
• Review loans for compliance with mortgage regulations and prepare required disclosures
• Obtain property surveys, flood certificates, title commitments, and payoff information from vendors
• Verify vendor orders, invoices, and applicant e-file documentation
• Manage the loan pipeline and submit reports within required turnaround times
• Assist with loan setup
• Document loan-application communications in the conversation log
• Train and help supervise new loan processors and other processing personnel
• Assist closing, secondary marketing, and loan servicing with outstanding investor suspense items