Guideline Structuring Analyst/Manager

Position Overview

The Guideline Structuring Analyst/Manager is responsible for creating, administering, and maintaining underwriting guidelines and related materials for CCM’s proprietary loan programs, which include agency, prime credit jumbo, Non-QM, and multi-family/commercial loans originated across multiple channels. This role initiates guideline updates and maintenance, working with various departments, including product development, to ensure that all steps required for a rollout are completed and that the information provided is accurate, clear, and consistent.

Job Responsibilities

• Act as the primary author on underwriting guidelines and related materials on assigned products.
• Complete guideline gap analyses to develop new products and identify gaps between existing products and marketplace for management review.
• Initiate the guideline update process by gathering information, presenting recommendations for review, updating related documents, and coordinating with pricing and product development to ensure accurate and timely deployment.
• Maintain guidelines across multiple origination channels, ensuring consistency and leaving only gaps that are intended.
• Conduct credit training related to new product rollouts and updates as needed.
• Assist scenario, exception, underwriting, and post-closing teams to address and resolve any ambiguities that exist within the guidelines and identify frequent exception requests for future guideline consideration.
• 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 teams.
• Additional ad-hoc responsibilities as needed.

Qualifications And Skills

• Bachelor’s degree preferred, or equivalent combination of education and experience.
• 5+ years of experience in the mortgage industry or a related field.
• Experience drafting mortgage underwriting guidelines.
• Experience with Non-QM mortgages, preferred.
• Encompass software experience, preferred.
• Excellent communication skills.
• Excellent attention to detail and prioritization skills.