Underwriter III Government

Job DetailsJob Location: Corporate Region - Colorado Springs, CO 80920Position Type: Full TimeSalary Range: $95,000.00 - $105,000.00 Salary/yearPosition: Underwriter III Department: Underwriting Reports To: Underwriting Manager Location: 7450 Campus Drive, Suite 200, Colorado Springs, CO 80920 – In- Office or Remote Remote: ☒  YES or ☐  NO Exempt: ☒  Non-exempt: ☐ Compensation: $ 95,000-105,000 annually, plus incentive program   Why Underwriters Choose MSF In an industry often defined by turnover, Mortgage Solutions Financial (MSF) offers a rare degree of stability and respect. Our underwriting team isn’t just a department; it is a community where the average tenure is over five years, and our experts have been with us for a decade or two. We don't believe in micromanagement. At MSF, we value your experience and empower you to make decisions, and more importantly, we support those decisions. You will work within a small, collaborative team where your manager is always available for guidance, and where open communication across all departments is the standard, not the exception. If you are looking for a long-term professional home where your knowledge is truly respected, we invite you to join us. Role Overview 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. Essential Duties Expert Analysis: Perform rigorous analysis of loan files to ensure full compliance with company, investor, and government guidelines. Manual Underwriting: Review credit packages and collateral for residential loans to ensure the delivery of an "investor-quality" product, focusing on manual approvals. Collaboration: Serve as a subject matter expert for Processors and Loan Officers, providing timely guidance on interpretations and specific file resolutions. Decision Making: Clearly and promptly communicate loan decisions (approval, suspense, or denial) to all relevant parties. Reliability: Maintain consistent production goals and a high degree of accuracy, even during peak periods which may require extended hours (evenings and weekends). Communication: Work closely with all internal teams to promote a seamless loan process and superior customer service. QualificationsKnowledge, Skills, and Abilities Guideline Expertise: Comprehensive knowledge of HUD, agency, and investor guidelines, with the ability to research and apply complex overlays. Government Lending: Proven experience with FHA and VA lending guidelines. Problem Solving: Demonstrated ability to handle exception items and resolve complex underwriting issues. Resilience: Ability to thrive under demanding timelines and maintain focus during high-volume periods. Communication: Excellent written and verbal skills with the ability to articulate complex financial information clearly. Experience and Education Minimum 5 years of experience as an Underwriter. Proven experience with manually approved government loans. Extensive experience with VA and FHA; USDA experience preferred. Required Certifications: DE, LAPP, and SAR. DPA Product experience a plus Physical Requirements This role requires remaining in a stationary position for prolonged periods (desk/computer work). Requires consistent visual focus and mental concentration to analyze detailed documentation. Frequent use of hands and fingers for typing and data entry. Ability to maintain decision-making accuracy under pressure or during periods of fatigue. Benefits MSF offers a comprehensive benefit package and PTO for eligible employees, including: Health, Dental, and Vision Insurance Health Savings Account (HSA) and Flexible Spending Account (FSA) Life and AD&D coverage Voluntary Supplemental Life, Short-Term, and Long-Term Disability Company Retirement Plan - 401(k) with match