Branch Pipeline Manager

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 Branch Pipeline Manager acts as a liaison between internal teams and external clients, overseeing the loan process from start to finish to ensure timely, accurate file progression. This role manages a loan pipeline, partners with loan officers and processors to streamline workflows, and improves the borrower and loan officer experience through clear communication, appropriate loan structuring, and thorough file quality and compliance standards.

Job Responsibilities:

• Manage a pipeline consisting of VA, Conventional, and FHA loans.
• Provide customer service by communicating with borrowers to assist client(s) in understanding loan programs, costs, and various applicable loan documents.
• Communicate loan program and costs with borrowers (license required for this duty to be performed.)
• Identify missing documentation and request items that best support approval.
• Review and audit income, assets, run DU and verify credit documentation within mortgage file to ensure loan stability.
• Pre‑underwrite items such as paystubs, credit reports, W‑2s, bank statements, and court orders to support approval.
• Ensure structure of the loan presents the best program based on the borrower’s financial circumstances.
• Review mortgage loan disclosure packages and deliver to borrower, including but not limited to rate disclosure and re-disclosure packages.
• Input feed for disclosures, present and set up loan to best fit borrower’s needs.
• Collaborate with loan officers and processors to develop and maintain a streamlined loan workflow.

Qualifications and Skills:

• 5+ years of mortgage underwriting and processing experience.
• Extensive experience with VA loan files, including entitlement verification, residual income calculations, and adherence to VA underwriting requirements.
• Extensive experience with Encompass LOS.
• NMLS license preferred; if not licensed, must obtain NMLS license within 90 days of hire.
• Knowledge of mortgage underwriting guidelines and applicable consumer protection regulations (e.g., RESPA, TILA/TRID).
• Excellent math and analytics skills.
• Excellent communication skills.
• Excellent prioritization and time management skills to meet deadlines.
• Proficiency in DU, LP, Microsoft Outlook, and Windows.

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. 

Salary Range:

• Annual Salary: $75,000-80,000.

• This position is bonus plan eligible

• 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