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Income Review Specialist

CrossCountry Mortgage, LLC.

This is a Full-time position in Brecksville, OH posted March 4, 2021.

CrossCountry Mortgagestarted in Cleveland in 2003, when our President and CEO Ronald J.

Leonhardt, Jr., had the vision to become a nationwide full-service lender that could provide more to customers ” meeting their home financing needs, being there every step of the way, and making homeownership dreams possible and affordable.

We’re continuing to expand our nationwide footprint, and we’re not stopping any time soon!We Care!CrossCountry Mortgage offers eligible employees a robust, industry leading benefits package including medical, dental, and vision insurance, as well as a 401(k) plan with a generous employer match!

We also offer company-provided Short-Term Disability, Employee Assistance, and Wellness Programs.

Those who work at our corporate headquarters in Northeast Ohio also enjoy a casual dress code, an on-site market caf, and an upbeat working environment!Position Overview:The Income Review Specialist is responsible for providing fast, friendly income calculations and reviews for loans prior to underwriter review.

Detail-oriented critical thinker who can take initiative and work with others to efficiently and effectively meet turn times and maintain customer satisfaction, while providing accurate income calculations for all specified loan types and products.

The Income Review Specialist acts as the central point of contact for Loan Officers and Loan Processors to provide a thorough understanding and calculations of income as supported by the documentation provided.

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.

The Income Review Specialist must have the ability to clearly interpret investor guidelines and apply them to the method being used to calculate income for specified investor(s).

The Income Review Specialist must also be able to articulate these guidelines and provide explanation of the calculations and methods to all applicable parties.Job Responsibilities:Daily loan support for all company employees via a ticketing system, inbound phone calls, email and in person for underwriting/loan scenario-based questions and communicationReviewing and responding to general income calculation/documentation questions while maintaining thorough knowledge of investor income guidelinesAssist Loan Officers and Loan Processors in calculating income per investor guidelines and specificationsAnalyzing various underwriting scenarios and suggesting potential alternate options with different investors, as neededReview, 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 purposesAbility to analyze and calculate income and determine business liquidity per investor guidelinesExtensive familiarity and knowledge of all IRS Income filing forms as they pertain to underwriting qualification
– including but not limited to 1040’s, 1120S, 1065, 1120, as well as all applicable forms/schedules/statements within these documentsCreate technical documentation, system documentation, “how to” guides, FAQ’s and self-help references as neededTrack tasks, activities and time spent within the ticketing system and meet expected turn-timesParticipate in all Underwriting Department, Regional and Sales calls as directed by management, and hold own calls as deemed necessary by managementAssist with training sales or processing staff in areas where they need additional guidanceCollaborate among team members and work effectively in a team-oriented environment; open communication amongst other departmentsMaintaining a strong focus on continued growth and learning of essential underwriting knowledgeMaintain all UW designations, as applicableAssisting with other responsibilities and projects as identified by managementPromoting a risk-aware culture, ensuring efficient and effective risk and compliance management practices by adhering to required standards and processesAssuring compliance with anti-money laundering and Sanctions laws and regulationsQualificationsand Skills:Bachelor’s degree and/or accounting background preferredAt least 4 years of underwriting experience, underwriting to multiple agency and investor guidelines preferredJumbo/Non-Agency and Non-QM underwriting background and extensive knowledge of the guidelines preferredGovernment underwriting experience with designations preferred (DE and VA)Excellent communication, negotiation and problem-solving skillsStrong team player with excellent communication skillsDemonstrates analytical thinking
– analyzes information, identifies key issues and draws logical conclusions; identifies the root causes of problems and develops solutionsStrategic thinker
– identifies opportunities to achieve goals while anticipating impacts and consequences to the business; sees the “big picture”Ability to learn and navigate complex proprietary software platformsMust be able to work independently in a fast-paced, goal-oriented environmentMust be flexible and adaptable to changing business needsAbility to provide excellent customer service in person, on the phone and via ticketing systemKnowledge and experience using Microsoft Word, Excel and Outlook requiredKnowledge and experience using LoanBeam and Encompass preferredCrossCountry Mortgage, LLC offers MORE than a job, we offer a career.

Apply now to begin your path to success!

Mortgage, LLC.

(NMLS3029) is an Equal Opportunity Employer committed to workforce diversity.

Qualified applicants will receive consideration without regard to race, religion, color, orientation, gender, age, national origin, veteran status, disability status or marital status.

Employment is contingent upon successful completion of a background investigation.

CrossCountry Mortgage, LLC.

is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.

To verify licensing, please visit