Non cdl Jobs in New Haven, CT

Non-Qm Income Specialist

CrossCountry Mortgage (CCM) is the nations number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of Americas fastest-growing private businesses and has received many awards for our standout culture.

CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. Youll get unwavering support from all departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.

Position Overview :

The Non-QM Income Specialist is responsible for the first level of qualification for any borrower seeking a loan through CrossCountry Mortgage LLC. This position will review completed loan applications and documentation from the Loan Originator and pre-qualify all applicants according to published guidelines. The Income Specialist will alert the LO and support staff to potential problems in a loan. Once a loan is pre-qualified, the Income Specialist is responsible for the assessment of qualification.

This position operates within Mountain and Pacific time zone working hours to support the Pacific region.

Job Responsibilities :

• Perform an in-depth review of at least 75 proposed transactions per month.
• Reference a wide variety of income and asset documentation when assessing a loan application; determine borrower income based upon lending guidelines.
• Evaluate a purchase contract and determine borrower's income, assets, liabilities, and obligations from the following document types :
• Income documentation including, but not limited to, paystubs, 1040's, 1120's,1065's, W-2's, 1099's, K-1's, social security, disability, and annuities.
• Checking accounts, savings accounts, mutual funds, IRA's, 401k's, insurance plans, stock and bond portfolios.
• Credit report and supporting documentation as it pertains to bankruptcy, foreclosure, short sale, public records, and depth of credit.
• Obtain and review required loan documentation to assess whether the loan conforms with published guidelines.
• Acquire borrower and third party documentation through clear and concise communication for Conventional, FHA, VA, purchase and refinance transactions in a manner that is consistent with all company policies and procedures as well as all regulatory requirements.
• Perform credit report analysis.
• Communicate calculations employed to pre-qualify the applicant and impart all essential information on assessment and analysis utilized.
• Understand and utilize debt-to-income ratio analysis.
• Provide excellent customer service by effectively communicating and cooperating with all internal and external customers.
• Maintain up to date knowledge of and ensure compliance with changes in published guidelines, policies, and procedures, standards and regulations applicable to the company and the mortgage industry.

Qualifications and Skills :

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.

Pay Range : Base Pay : $28.00-35.00 Bonus : Eligible for per file bonus incentive The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position.

CrossCountry Mortgage, LLC offers more than a job, we offer a career. Apply now to begin your path to success!

CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package.

California residents : Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants.

CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law ("Protected Characteristics"). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.

CrossCountry Mortgage, LLC (NMLS3029) 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 www.NMLSConsumerAccess.org.