• Drive continuous improvement across the underwriting journey, including application flow, reflexive questions, rules logic, and evidence sources • Serve as a primary liaison between the underwriting engine carrier, third party vendors, and Business Architecture teams • Participate in business requirements development for initiatives impacting underwriting processes and systems • Monitor rules engine performance to identify opportunities to improve efficiency, increase auto decision rates, and ensure alignment with Life Guide • Review vendor performance and recommend enhancements to existing solutions as well as potential new third party data sources • Manage monthly underwriting rulebook releases for both Simplified and Traditional workflows • Support testing efforts and validation of system releases and new product integrations • Support training initiatives related to the underwriting engine and third-party vendor processing • Lead pilot efforts for emerging technologies and support implementation of new tools and data sources • Partner with corporate leadership to analyze underwriting results and identify opportunities to improve new business value • Respond to daily production inquiries with clear, timely, and accurate guidance for underwriting teams • Proactively identify risks, gaps, and dependencies ahead of product launches and supports smooth execution through clear communication and collaboration.

About JMAC Lending: With over 25 years of experience, JMAC Lending has established itself as a leader in the industry. We pride ourselves on our innovative products, outstanding service, and unwavering commitment to supporting our partners in growing their businesses. Our culture revolves around surpassing conventional market options, positioning us as the preferred lender for our clients. Our team boasts impressive credentials and participates in ongoing education to blend knowledge with experience seamlessly. Built on a foundation of the highest ethical standards, our company excels in delivering competitive product pricing for wholesale and correspondent lending to our valued clients. The Opportunity: This role entails underwriting agency and non-agency loans (including both Manual and AUS), alongside Alternative Doc loans. You'll play a crucial part in evaluating supporting documentation to determine borrowers' creditworthiness and their capacity to fulfill mortgage obligations. This includes reviewing a variety of documents such as credit reports, income and asset documentation, appraisals, collateral reports, and fraud prevention tools, as well as any other necessary paperwork to make informed decisions. This is a Full-Time/Fully Remote opportunity with working hours from 7:00am-4:00pm PT or 8:00am-5:00pm PT Monday-Friday offering competitive pay ranging from $43.26 to $57.69 hourly plus bonus. Key Responsibilities: - Conduct a comprehensive and precise analysis of all loan documents, including the AUS decision report, credit report, various income sources (both complex personal and business returns), assets, preliminary title report, appraisal, purchase agreement, escrow instructions, occupancy verification, as well as performing checks for red flags and potential fraud. - Underwrite NON-QM, Jumbo, and Fixed Rate Second Mortgage programs. - Review multiple income types including Full Doc, DSCR, Asset Utilization, Asset Depletion, Bank Statements(Business, Personal, and Co-mingled), P&L, 1099, Foreign National. - Complete income calculations using both manual and system-based methods for all listed income types. - Meticulously manage loan files and clear any conditions, demonstrating both attention to detail and a sense of urgency to meet customer needs. - Accurately log loan data and decisions into our operating system, ensuring precision at every step. - Review transaction matrices and internal investor overlays to guarantee compliance with all investor guidelines. - Apply and uphold effective fraud detection methods. Proactively request additional information or documentation as needed, and identify risk factors that may affect the quality of the loan file. - Assist in resolving any pre-funding or post-purchase loan issues by collaborating with the post-closing department to address any outstanding conditions or concerns. - Communicate loan decisions clearly and professionally via phone or email to foster positive and productive relationships with colleagues and clients. - Maintain open channels of communication with brokers and sales staff to ensure all inquiries are addressed promptly, showcasing exceptional customer service skills.

CrossCountry Mortgage (CCM) is the nation's 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 America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! 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. You’ll 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 Sr. Loan Officer is responsible for maintaining an NMLS license required under the S.A.F.E. Act of 2008, originating and processing real estate mortgage loans in accordance with CrossCountry Mortgage, LLC (“CCM”) processes and product guidelines. Job Responsibilities: - Source mortgage leads. - Build relationships with real estate agents and other lead sources. - Analyze potential loan markets and develop referral networks to locate prospects for loans. - Market CCM products to individuals and firms, promoting CCM services that may meet customers’ needs. - Meet with applicants to obtain information for loan applications and answer questions about the process. - Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans. - Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. - Generate complete loan applications with corresponding documentation. - Improve loan applications and documentation by informing the applicant of additional requirements. - Help customers by answering questions and responding to requests. - Handle customer complaints and take appropriate action to resolve them. - Own the communication with the real estate agent or referral source. - Confer with processing and underwriting to aid in resolving mortgage application problems. - Maintain job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations. - Regularly participate in activities in connection with mortgage sales, including but not limited to attend closings, open houses, and/or conduct CCM seminars/trainings and other lead-generating activities. - Mortgage coaching available. Qualifications and Skills: - NMLS License Required under the S.A.F.E. Act of 2008. - Experience with retail product philosophy, policy, underwriting, procedures, documentation and systems. - Experience proactively soliciting new business. - Encompass experience, preferred. - Knowledge of all mortgage products and programs. - Excellent analytical skills to evaluate credit requests and determine trends in a given marketplace. - Advanced communication and collaboration skills. - Proficient in standardized software applications, including Microsoft Word, Excel, PowerPoint and Outlook. 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: - Commission only 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 #LI-CCMREC CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com 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.

CrossCountry Mortgage (CCM) is the nation's 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 America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! 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. You’ll 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 Loan Processor is responsible for providing quality customer service by obtaining necessary documentation to underwrite the loan and orders third party documentation by communicating directly with the customer and/or Loan Officer. The Loan Processor provides proper disclosures when required by applicable local, state, and federal regulations. This position operates within Eastern Standard Time Zone working hours to support the East Coast region. Job Responsibilities: - Perform a thorough review and analysis of borrower’s credit, employment, income, and assets as required by the loan program before submitting to underwriting. - Assemble the complete loan package in proper order for underwriting. - Verify all required documentation (pre-underwrite) in the file. - Complete the required loan checklist. - Verify that an application is complete and accurate; identify any potential issues that may arise in underwriting. - Prepare a loan approval summary, Forms 1008 and 1003, and ensure the accuracy of all the information printed on the documents; communicate directly with the Loan Originator, customer, and Underwriter to obtain initial and any missing documentation required to qualify for the loan. - Review loans for compliance with all mortgage-related regulations (RESPA, TIL, HMDA, Reg. B, etc.) and prepare required disclosures. - Communicate with various companies to obtain Property Survey, Flood Certificate, Title Commitment, and payoff information. - Verify that vendor orders are complete, invoices are received and in the applicant’s E-file. - Manage pipeline by completing and submitting reports within allotted turn-around times. - Assist set-up of loans. - Document all communication related to the loan application in the conversation log. - Train and assist supervision of new Loan Processors and other processing personnel. - Assist closing, secondary marketing, and loan servicing to obtain and clear outstanding suspense items from CrossCountry Mortgage investors. - Available to work varying hours and overtime if needed. Qualifications and Skills: - High School Diploma or equivalent. - Minimum of 5 years’ residential mortgage processing experience. - Experience with Encompass. - Working knowledge of RESPA regulations and general knowledge of all mortgage and consumer lending regulations, including but not limited to Regulation Z and Regulation B requirements, and loan documents, preferred. - Knowledge of DU, LP, Microsoft Office, and Windows. - Excellent math and analytical skills. - Excellent communication skills. - Excellent prioritization and time management 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: - Hourly Rate: $26.00 - $28.00 - Eligible for per file bonus 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. #LI-CCMREC CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com 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.