NVP of Agency Underwriting (West Coast)

Position Overview

The National Vice President of Agency Underwriting (NVP) supports the SVP of Agency Underwriting, focusing primarily on Escalation Reviews and managing the Agency Underwriting Scenario Team. The NVP provides solutions and assistance for loan-level escalations from underwriting management, complex scenarios, and aids in communication to the underwriting department. The role works with the Credit Risk Team, Training, Underwriting, Operations, Processing, Closing, Post-Closing, Quality Control, and the Encompass team on projects and communication.

Note: This position predominantly operates within Pacific Time or Mountain Time zone working hours to support the West Coast region.

Job Responsibilities

• Review and complete various escalations requiring second‑level reviews by the VPs of underwriting, including loan‑level escalations tracked in the Escalations Airtable, assistance with escalations from quality reporting findings, fraud review, exception requests, or any other situation that may arise requiring escalation on a daily, weekly, or monthly basis.
• Communicate decisions to the VP of underwriting and provide detail into the decision‑making process.
• Hold mandatory daily team calls with all VPs to discuss and review any second‑level review escalations, having reviewed the escalation prior to the call and providing thorough feedback.
• Perform weekly spot checks of the VPs’ escalation reviews not sent to SLR, maintaining notes for each spot check and any clarification or correction in decision making.
• Pull monthly reports of all escalations, their outcomes, etc. to review with the SVP of Agency Underwriting and the VPs.
• Grow the Agency Underwriting Scenario Team and communicate clarifications, agency insight, post‑closing issues, etc. to the manager and/or team to ensure consistency with the underwriting department and CCM’s appetite for risk.
• Ensure the Agency Underwriting Scenario Team manager meets SLAs, is staffed appropriately, and conducts weekly team meetings.
• Ensure the manager completes bi‑weekly spot checks on the answers the team is providing, reviews the feedback given, and maintains a monthly log of all production to share with the NVP as needed.
• Include the manager in all applicable underwriting meetings, RUM meetings, and participate at least once a month in the Scenario Team meetings.
• Manage, re‑vet, update, and publish the “Agency Questions Log” in Airtable and on the Underwriting page of the Landing at least once per month.
• Ensure the VPs manage the Red Loan Report and the Reg B pipeline; follow up and address any loans that fall out of SLA.
• Communicate specific changes or updates regarding Credit Policy to the Branch and/or Operations by speaking during applicable sales or operations meetings as required.
• Conduct existing branch calls as needed (daily, weekly, monthly).

Qualifications and Skills

• Bachelor’s degree in Business, Finance, advanced degree preferred.
• 10+ years of experience in mortgage underwriting, with a minimum of 2 years of management experience.
• Extensive knowledge of risk evaluation and regulatory compliance.
• Strong knowledge of FHA, VA, and conventional loan programs.
• Proven ability to lead teams and provide constructive feedback to improve performance.
• Highly self‑motivated.

Benefits

Eligible employees receive a competitive compensation plan and a robust benefits package, including medical, dental, vision, 401K, short‑term disability, employee assistance program, and wellness program.

California Residents

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Equal Employment Opportunity Statement

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.

Regulatory Statement

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