Underwriter III Government

MSC SERVICES LLC•Colorado Springs, CO

8d•$90,000 - $100,000•Remote

About The Position

To effectively and accurately review and evaluate information regarding mortgage loan documentation to determine if the borrower and/or property meet loan standards. Someone who believes in superior customer service and enjoys working in a high production team environment where integrity and honesty is paramount. Candidates should be prepared for a high-pressure environment that may require extended hours, including evenings and weekends, particularly during peak periods (example but not limited to end of month, spring/summer). Success in this role demands strong time management, resilience under stress, and a commitment to delivering high-quality results under demanding timelines. What distinguishes MSF from other lenders is our commitment to supporting borrowers who may have been declined elsewhere, often due to low credit scores. To ensure these individuals still have access to the opportunity of homeownership, we manually underwrite approximately 70% of our loans.

Requirements

Comprehensive knowledge of current HUD, agency, and investor guidelines, including the ability to research, interpret, and apply investor overlays.
Proven experience and complete understanding of FHA and VA lending guidelines, including how they relate to internal and broader investor requirements.
Exceptional appraisal analysis and technical review skills.
Demonstrated ability to handle exception items/files and effectively resolve complex underwriting issues.
Expert ability to prioritize and manage a high-volume pipeline throughout the day to meet critical Clear to Close (CTC) deadlines.
Strong time management and organizational skills with meticulous attention to detail across all documentation.
Excellent analytical and decision-making skills to facilitate sound credit risk assessment.
Experience using Microsoft Office products and relevant industry software.
Excellent written and verbal communication skills, with the ability to clearly articulate complex information to both internal and external parties (in person, over the phone, and in writing).
The ability to thrive in a fast-paced, high-production environment, readily embracing change and demonstrating a proactive approach to workload management.
Proven capacity to function effectively as a team player while also demonstrating the ability to work independently and drive individual results.
A minimum 5 years’ experience as a Senior level Underwriter with DPA products and manually approved government loans
Extensive experience underwriting VA and FHA, USDA experience preferred.
DE, LAPP and SAR certifications required.

Nice To Haves

USDA experience preferred.

Responsibilities

Complete a rigorous analysis of all loan files to determine full compliance with company, investor, and government guidelines and standards.
The entire credit package and collateral for residential mortgage loans to ultimately ensure the delivery of an "investor-quality" loan product.
Ensure the accuracy of all calculations related to loan terms, ratios, and risk assessment.
Maintain and continually exhibit a deep working understanding of automated underwriting systems and their associated guidelines.
Clearly and promptly communicate loan decisions (approval, suspense, or denial) to all appropriate internal and external parties, both verbally and in writing.
Serve as a subject matter expert for Processors and Loan Officers, providing timely guidance on general guideline interpretations and resolving questions related to specific loan files.
Provide superior customer service to all internal teams and external stakeholders.
Meet or exceed established production goals while consistently maintaining stringent quality and compliance requirements.
Maintain regular, reliable, and predictable attendance and be prepared to work extended hours (including evenings and weekends) when necessary to ensure timely loan closings and adherence to all Service Level Agreements (SLAs).
Demonstrate resilience and adaptability when navigating tight deadlines and high-pressure situations, consistently managing a demanding workload.
Perform other job-related duties as assigned by leadership.

Benefits

Mortgage Solutions of Colorado, LLC d/b/a Mortgage Solutions Financial (“MSF”) offers a comprehensive benefit package and PTO (paid time off) for eligible employees.
The benefit package includes Health, Dental and Vision Insurance, options to participate in a Health Savings Account, Flexible Spending Account, Life and AD&D coverage, voluntary Supplemental Life, voluntary Short-Term, Long-Term Disability and Supplemental insurance.
In addition, eligible employees have the option to participate in a company retirement plan.

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