CrossCountry Mortgage, LLC · 3 days ago
Non-QM Income Scenario Specialist (Wholesale)
United States
Full-time
Remote
Mid, Senior Level
$44.23/hr - $45.67/hr
4+ years expCrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees. The Non-QM Income Scenario Specialist (Wholesale) is responsible for providing income calculations and reviews for loans prior to underwriter review, ensuring customer satisfaction and accurate income calculations for specified loan types and products.
LendingFinanceConsumer LendingFinancial ServicesMortgage
Responsibilities
Perform daily loan support for company employees via a ticketing system, inbound phone calls, email, and in person for underwriting/loan scenario-based questions and communication
Review and respond to general income calculation and documentation questions while maintaining thorough knowledge of investor income guidelines
Assist Loan Officers and Loan Processors in calculating income per investor guidelines and specifications; types of income to be calculated will be from sources including, but not limited to, self-employment, asset depletion, bank statement qualification, debt-service-ratios, wage earners, other income sources (capital gains, rental income, etc.)
Analyze various underwriting scenarios and suggest potential alternate options with different investors, as needed
Review, analyze, and calculate income using complex income documentation, including personal and business tax returns, bank statements, audited/unaudited profit and loss statements, balance sheets, rental income documentation, etc. and provide calculations to be used for qualifying purposes
Analyze and calculate income and determine business liquidity per investor guidelines
Maintain knowledge of IRS income filing forms as they pertain to underwriting qualification, including but not limited to 1040’s, 1120-S, 1065, 1120, as well as all applicable forms, schedules, and statements within these documents
Create technical documentation, system documentation, “how to” guides, FAQs, and self-help references as needed
Track tasks, activities, and time spent within the ticketing system and meet expected turn-times
Participate in Underwriting Department, Regional, and Sales calls, lead calls as necessary
Assist with training sales or processing staff in areas where additional guidance is needed
Collaborate amongst team members and other departments
Maintain a working knowledge of essential underwriting information
Maintain all Underwriting designations, as applicable
Promote risk-awareness, ensure efficient and effective risk and compliance management practices by adhering to required standards and processes
Ensure compliance with anti-money laundering and sanctions laws and regulations
Qualification
Required
Bachelor's degree or equivalent combination of education and experience
Minimum 4 years of underwriting experience, underwriting to multiple agency and investor guidelines
Excellent communication, negotiation, customer service, and problem-solving skills
Proficient with Microsoft Word, Excel, and Outlook
Preferred
Jumbo/Non-Agency and Non-QM underwriting background
Experience using LoanBeam and Encompass
Benefits
Competitive compensation plan
Robust benefits package, including medical, dental, vision, as well as a 401K
Company-provided short-term disability
Employee assistance program
Wellness program
Company
CrossCountry Mortgage, LLC
Back in 2003, our founder and CEO, Ron Leonhardt, started CrossCountry Mortgage with one goal: become a nationwide mortgage lender that helps people with clear and fast home loans.
5001-10000 employees
H1B Sponsorship
CrossCountry Mortgage, LLC has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
2%
Represents job field similar to this job
Accounting and Finance
Engineering and Development
Management and Executive
Marketing
Product Management
Trends of Total Sponsorships
*2026 (2)
2025 (16)
2024 (16)
2023 (9)
2022 (17)
2021 (3)
2020 (1)
Funding
Current Stage
Late StageTotal Funding
$1.9BKey Investors
Ares Management
2025-11-18Debt Financing· $600M
2025-09-24Debt Financing· $900M
2021-11-23Debt Financing· $400M
Leadership Team
Ron Leonhardt
Founder and CEO
Nicole Rueth
Senior Vice President
Recent News
2026-07-07
2026-07-07
Bizjournals.com Feed (2025-11-12 15:43:17)
2026-07-03
Company data provided by crunchbase