UNDERWRITER I

MSC SERVICES LLC•Colorado Springs, CO

1d•$57,000 - $65,000•Remote

About The Position

At Mortgage Solutions Financial, we believe homeownership should remain accessible, even for borrowers whose financial stories may not fit perfectly into an automated system. What sets MSF apart is our commitment to helping borrowers who may have been declined elsewhere, often due to lower credit scores or unique financial circumstances. Approximately 70% of our loans are manually underwritten, allowing our Underwriters to play a meaningful role in creating responsible lending solutions while maintaining strong credit quality and compliance standards. We are looking for individuals who value integrity, sound decision-making, and collaboration within a fast-paced, production-driven environment. The Underwriter I is responsible for reviewing and evaluating residential mortgage loan documentation to determine whether borrowers and properties meet applicable agency, investor, and company guidelines. This role is ideal for someone who enjoys analytical problem-solving, values customer service, and thrives in a high-production environment where attention to detail, adaptability, and sound judgment are critical. The position requires the ability to manage multiple priorities while maintaining quality, compliance, and turnaround expectations.

Requirements

0–2 years of mortgage underwriting or mortgage operations experience required
High school diploma or equivalent required

Nice To Haves

Working knowledge of current agency, investor, and government underwriting guidelines
Familiarity with FHA, VA, USDA, and conventional mortgage products preferred
Basic understanding of manual underwriting principles and credit risk assessment
Strong analytical, organizational, and problem-solving skills
Ability to prioritize and manage a pipeline of loan files within established deadlines
Strong attention to detail and accuracy
Excellent written and verbal communication skills
Proficiency with Microsoft Office products and mortgage industry software
Ability to thrive in a fast-paced, production-driven environment
Ability to work independently while contributing effectively within a team environment
FHA and VA underwriting experience preferred
Experience reviewing manually underwritten government loans preferred
Additional mortgage industry training or certifications preferred

Responsibilities

Review residential mortgage loan files for completeness and compliance with company, investor, and government guidelines
Analyze borrower income, assets, credit, and collateral documentation to support sound underwriting decisions
Ensure accuracy of loan calculations, ratios, and supporting documentation
Utilize automated underwriting systems and apply agency and investor guidelines appropriately
Communicate loan decisions, conditions, and documentation requirements clearly and professionally
Partner with Loan Officers, Processors, and internal departments to facilitate timely loan approvals and closings
Escalate complex loan scenarios or guideline interpretation questions to underwriting leadership when appropriate
Provide exceptional customer service while balancing production and compliance expectations
Meet or exceed established production goals while maintaining quality standards and regulatory compliance
Maintain regular, reliable attendance and flexibility to work extended hours, including evenings and weekends during peak periods as needed
Adapt to changing priorities and high-volume pipelines while maintaining strong attention to detail