Exception Desk Analyst (Non-QM)

Position Overview

The Exception Desk Analyst (Non-QM) is responsible for reviewing and administering guideline exception requests, managing communication between sales, underwriting, secondary, and the exception desk, assisting with product development initiatives, and supporting the exception desk.

Job Responsibilities

• Review and disposition of guideline exception requests.
• Ensure all guideline exception disposition terms (pricing hits, min rates, pricing caps, underwriting conditions) are accurately communicated and tracked within Encompass.
• Track and ensure consistency in exception disposition for a loan’s entire lifecycle, from scenario evaluation to file submission to underwriting.
• Monitor communications between sales, underwriting, secondary, and the exception desk to ensure adherence to SLAs; this includes daily/weekly reviews, reminders, and working with the team to prioritize requests.
• Develop and maintain a set of frequently asked questions and responses, which can be used to identify potential guideline clarifications and/or enhancements, and opportunities to better train sales and/or underwriting.
• Identify noteworthy guideline exceptions and collaborate with the marketing department and sales leadership to highlight these loans to the sales force.
• Document, maintain, and update exception desk policies and procedures as needed.
• Identify operational improvements to exception processes to better architect the desk for scalability and improved SLAs.
• Collaborate with product development team to ensure underwriting guidelines, including proprietary loan products, are maintained across multiple origination channels and have up-to-date information.
• Perform guideline gap analysis against competitor product offerings and identify areas of potential improvement.
• Assist in general exception administration and product development related tasks as needed.

Qualifications And Skills

• Bachelor’s degree in related field, preferred.
• Minimum of five years’ work experience in the mortgage industry or a related field.
• Experience with Non-QM mortgages, preferred.
• Encompass software experience, preferred.
• Excellent analytical and communication skills.
• Excellent prioritization skills and attention to detail.

Benefits

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.

Company Culture

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 has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success.