Underwriter III -Government

Position: Underwriter III

Department: Underwriting

Reports To: Underwriter Manager

Location: 7450 Campus Drive, Suite 200, Colorado Springs, CO 80920

Remote: YES or NO

Exempt: Non-exempt:

Compensation & Benefits: $ 90,000-100,000 annually plus bonus

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, Health Reimbursement Arrangement, 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.

About MSF

MSF is a national mortgage lender based in Colorado Springs. MSF strongly believes every client should be served with integrity, dignity, and respect. Without compromise, MSF is committed to providing loans that are in the best interest of our clients, not our bottom line. We will continue to educate the community by empowering our clients to make responsible and informed fiscal decisions that result in greater financial peace of mind.

Role Overview

To effectively and accurately review and evaluate information regarding mortgage loan documentation in order 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.

Essential Duties: In addition to related job duties as assigned, this position will:

• Complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards

• Evaluate the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan product

• Provide superior customer service to internal and external customers

• Communicate decision (approval, suspense, denial) on loans to appropriate parties both verbally and in writing.

• Be available to processors and loan officers for general guideline interpretations and questions on specific loan files

• Continually exhibit an understanding of automated underwriting and guidelines

• Check accuracy of all calculations

• Meet or exceed productions goals while maintaining quality requirements

• Perform other duties as assigned

• Maintain regular, reliable and predictable attendance.

• Work extended hours, including evenings and weekends, to ensure timely loan closings and meet Service Level Agreements.

• Demonstrate resilience and adaptability while navigating tight deadlines and a high-pressure work environment while consistently managing a demanding workload.

Qualifications, Experience & Knowledge

• Senior level Underwriter with a minimum 5 years experience underwriting DPA products and manually approved government loans

• Extensive experience underwriting VA and FHA, USDA experience also preferred

• DE, LAPP and SAR certifications required

• Knowledgeable in investor overlay and researching such guidelines

• Excellent appraisal analysis skills

• Knowledge of current HUD and investor guidelines

• Must be able to prioritize files throughout the day to accommodate CTC files

• Handle exception items/files and resolve complex issues

• Experience and complete knowledge of FHA/VA lending guidelines preferred

• Understands how FHA/VA guidelines relate to internal and investor guidelines preferred

• Excellent written and verbal communication skills

• Attention to detail required

• Strong time management and organizational skills

• A team player, ability to work independently

• Thrive in a fast paced, high production environment

• Readily embraces change

• Excellent analytical and decision-making skills

• Experience with Microsoft Office products, Byte experience ideal

Physical Requirements

• Stationary position; prolonged periods at a desk and working on the computer.

• Occasional movement about inside the office to walk to offices and office machinery.

• Occasional lifting up to 10 pounds, must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and hold arms overhead, turn head-neck-shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday.

MSF is an equal opportunity employer. All candidates for employment are considered equally and no distinction is made on the basis of race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status. MSF is also committed to providing qualified applicants and employees reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or employee requiring reasonable accommodation to perform any essential job function, should contact Human Resources