CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 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 NQE Pricing Specialist is responsible for managing the pricing and rate-lock process for Non-QM mortgage loans, with a focus on exception pricing, off-sheet offerings, and risk-based pricing decisions. This role serves as a critical liaison between Sales, Credit, and Secondary Marketing to support pricing that is competitive, compliant, and aligned with CCM’s strategic objectives in a dynamic, exception-driven environment.

Job Responsibilities:

• Report as a member of Non-QM rate lock desk, including issuing lock confirmations, tracking lock expirations, and maintaining compliance with lock policies.
• Assess and price exception scenarios that fall outside standard rate sheets, working closely with Credit and Underwriting teams to evaluate compensating factors and layered risk.
• Issue accurate and timely pricing quotes for Non-QM products, including base and exception-level pricing, off-sheet rates, and custom takeout pricing.
• Analyze loan-level risk characteristics, including credit, assets, income, occupancy, and documentation; determine appropriate pricing overlays or exceptions based on investor appetite and internal guidelines. This includes evaluating non-QM terms such as prepayment penalties (PPP), debt service coverage ratio (DSCR), and alternative income documentation types.
• Collaborate with the Secondary Marketing and Capital Markets teams to ensure that offered pricing aligns with hedge positions, investor guidelines, and market movements.
• Monitor pipeline health and manage pricing exceptions throughout the loan lifecycle, identifying and resolving pricing discrepancies pre- and post-closing.
• Keep abreast of market conditions, LLPA updates, investor guideline changes, and Non-QM trends that may have an impact on pricing or lock policy.