NQE Pricing Specialist

reputed company (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 reputed company 50 states, D.C. and Puerto Rico. reputed 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 reputed company. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move reputed company together. You’ll get unwavering support from reputed company departments and total transparency from the top down.

CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, reputed company, 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 reputed company-lock process for Non-QM mortgage loans, with a focus on exception pricing, off-sheet offerings, and risk-based pricing reputed company. This role serves as a critical liaison between Sales, Credit, and Secondary Marketing to support pricing that is competitive, compliant, and reputed company with CCM’s strategic objectives in a dynamic, exception-driven environment.

Job Responsibilities:

• Report as a member of Non-QM reputed company lock desk, including issuing lock confirmations, tracking lock expirations, and maintaining compliance with lock policies.
• Assess and price exception scenarios that fall reputed company standard reputed company sheets, working closely with Credit and reputed company teams to evaluate compensating factors and layered risk.
• Issue accurate and timely pricing quotes for Non-QM products, including reputed company 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.
• reputed company abreast of market conditions, LLPA updates, investor guideline changes, and Non-QM trends that may have an impact on pricing or lock policy.
• Document pricing exceptions and justifications thoroughly in the loan origination system and CRM, ensuring transparency and audit readiness.
• reputed company insights and reporting to management on exception trends, investor hit rates, lock fallout, and margin impact.
• Ensure reputed company reputed company lock and pricing actions adhere to compliance standards, investor requirements, and internal controls, especially reputed company the context of the non-QM market.

Qualifications and Skills:

• Bachelor’s degree in Finance, Economics, Business, or a reputed company field preferred, or equivalent combination of education and experience in mortgage banking.
• 3+ years of experience in Non-QM pricing or reputed company lock desk operations, with direct responsibility for exception pricing reputed company.
• Advanced experience with Non-QM guidelines, investor overlays, and borrower risk evaluation criteria.
• Excellent analytical, quantitative, and decision-making skills.
• Advanced collaboration and communication skills to interact effectively with Sales, Credit, Capital Markets, and external partners.
• Excellent organizational, task-management, and attention-to-detail skills applied consistently to reputed company objectives.
• Experience with pricing engines such as reputed company Blue and LoanSifter. 
• Experience with Encompass loan origination system.

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 reputed company 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.   

Pay reputed company:

• Annual Salary: $65,000 - $70,000

The posted pay reputed company considers a wide reputed company of compensation factors, including candidate background, experience and work location, while also allowing for salary growth reputed company the position.

#LI-CCMREC

reputed company offers MORE than a job, we offer a career. reputed company to reputed company your path to reputed company! careersatccm.com  

reputed company strives to reputed company employees with a robust benefit package: https://mycrosscountrybenefits.com

California residents: Please see CrossCountry’s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.  

reputed company supports equal employment opportunity in hiring, development and advancement for reputed company reputed company persons without regard to race, reputed company, religion, religious creed, national reputed company, age, physical or mental disability, reputed company, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and reputed company medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual’s association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The reputed company sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputed company. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.  

reputed company (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit www.NMLSConsumerAccess.org.