Loan Opener

Benefits

Additional Information

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 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 Opener is responsible for ordering additional documentation from third parties as needed on all loan files prior to handing the loan over to the loan processor. The Loan Opener is also responsible for reviewing and producing disclosures and delivering the documents to consumers. The Loan Opener works directly with loan officers, loan officer assistants, and processors. Job Responsibilities: Confirm all information in the loan file is accurate and complies with both compliance and company policy. Request services and verifications. Request updated Homeowner's Insurance Policies from insurance agent. Order title reports, appraisals, tax transcripts from IRS, etc. Verify rental payments, deposited funds, mortgage payment history from current lender, and 2-year work history from employers. Order subordination agreements if borrower has two mortgages and only one is being paid off. Order condominium documentation. Prepare disclosures and re-disclosures within 3 days of application or Change of Circumstance. Verify accuracy of fees to mitigate TRID and RESPA violations. Upload Disclosures to Encompass. Review Compliance Review, revise any changes to obtain a pass. Review for HPML, Safe Harbor and Rebuttable Presumption. Answer Disclosure emails timely and accurately. Communicate with all partners including Sales, Processing, Closing and Underwriting as needed. Qualifications and Skills: High school diploma or equivalent. A minimum of 1 year of origination experience. Experience collecting and analyzing borrower income and negotiating. Excellent communication skills. Proficient in standardized software applications, including Microsoft Office Suite (i.e., 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. #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 lice