Richard Cross
About Richard Cross
Richard Cross serves as the Vice President of Residential Lending and Senior Mortgage Underwriter at City National Bank, a position he has held since 2021. He has extensive experience in the mortgage industry, having worked in various roles at notable financial institutions over the past two decades.
Work at City National Bank
Richard Cross serves as the Vice President of Residential Lending and Senior Mortgage Underwriter at City National Bank. He has held this position since 2021, contributing to the bank's mortgage underwriting operations. His role involves evaluating mortgage applications, assessing risk, and ensuring compliance with lending standards. Richard works remotely from Tampa, Florida, and has been instrumental in streamlining processes within the residential lending department.
Previous Experience in Mortgage Underwriting
Before joining City National Bank, Richard Cross accumulated extensive experience in mortgage underwriting. He worked at Morgan Stanley as an Assistant Vice President, focusing on Jumbo and Non-QM mortgage underwriting from 2020 to 2021. Prior to that, he spent 11 years at Bank of America Merrill Lynch as an Assistant Vice President and Corporate Underwriter, where he developed his expertise in underwriting practices. His career also includes roles at New Century Mortgage and Encore Credit, where he held positions that further enhanced his skills in the mortgage industry.
Education and Expertise
Richard Cross studied at Florida State University - College of Business from 1990 to 1993, earning a foundation in business principles that supports his career in finance and mortgage lending. His educational background, combined with years of practical experience in various underwriting and sales roles, equips him with a comprehensive understanding of the mortgage industry and residential lending processes.
Career Progression
Richard Cross's career in the mortgage industry began in 2003 when he joined New Century Mortgage as an Area Sales Manager and Producing Account Executive, a role he held until 2007. He briefly worked at Encore Credit as an Account Executive in 2007 before transitioning to PrepLogic as a Senior Account Manager for a short period in 2008. His career trajectory reflects a consistent focus on mortgage underwriting and sales, leading to his current role at City National Bank.