Pre-Approval Specialist
Core
Deliver timely, accurate, and policy-aligned pre-approval decisions for mortgage loans to support Loan Advisors and downstream operations.
Role type
Pre-Approval Specialist
Builds
Pre-approval decisions and consultation-ready loan files for CrossCountry Mortgage
Domain
Mortgage lending / Financial services
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Mortgage underwriting knowledge, Automated Underwriting Engines (AUS) proficiency, investor guidelines research, document verification, eligibility determination, decision narrative creation, action plan development, underwriting consultation, file setup for lock consult
Preferred skills
Encompass LOS familiarity, conventional/FHA/VA/jumbo/portfolio product knowledge
Technologies
Blend, Encompass LOS, DU, LP
Responsibilities
Review submitted applications and supporting documents within 24 hours; Request and track additional borrower documentation; Qualify borrower income, assets, credit, and liabilities; Order and review verifications (employment, assets, credit); Research investor guidelines and document references; Determine eligibility-supported loan programs; Render accurate pre-approval decisions; Document eligibility constraints, assumptions, and risks; Create decision narratives for underwriting and audit; Develop action plans for ineligible clients; Coordinate action plans with Loan Advisors; Consult underwriting for guideline clarification; Collaborate with processors on approval patterns; Escalate ambiguity or risk concerns; Support denial diagnosis and rework; Prepare files for contract and lock consultation; Issue initial disclosures to borrowers; Submit files to setup after lock consult.
Seniority
Individual Contributor, operational level