Underwriter III Government

MSC SERVICES LLC•Colorado Springs, CO

1d•Hybrid

About The Position

The Underwriter III is a high-impact role responsible for evaluating mortgage loan documentation to determine if the borrower and property meet specific standards. At MSF, we are committed to supporting borrowers who may have been declined elsewhere, which is why we manually underwrite approximately 70% of our loans. This position requires a professional who thrives in a high-production environment and maintains the highest levels of integrity and customer service.

Requirements

Comprehensive knowledge of HUD, agency, and investor guidelines, with the ability to research and apply complex overlays.
Proven experience with FHA and VA lending guidelines.
Demonstrated ability to handle exception items and resolve complex underwriting issues.
Ability to thrive under demanding timelines and maintain focus during high-volume periods.
Excellent written and verbal skills with the ability to articulate complex financial information clearly.
Minimum 5 years of experience as an Underwriter.
Proven experience with manually approved government loans.
Extensive experience with VA and FHA.
DE, LAPP, and SAR certifications.

Nice To Haves

USDA experience preferred.
DPA Product experience a plus.

Responsibilities

Perform rigorous analysis of loan files to ensure full compliance with company, investor, and government guidelines.
Review credit packages and collateral for residential loans to ensure the delivery of an "investor-quality" product, focusing on manual approvals.
Serve as a subject matter expert for Processors and Loan Officers, providing timely guidance on interpretations and specific file resolutions.
Clearly and promptly communicate loan decisions (approval, suspense, or denial) to all relevant parties.
Maintain consistent production goals and a high degree of accuracy, even during peak periods which may require extended hours (evenings and weekends).
Work closely with all internal teams to promote a seamless loan process and superior customer service.