UNDERWRITER I

Position: Underwriter I

Department: Underwriting

Reports To: Underwriting Manager

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

Onsite: No Remote: Yes

Exempt: Yes Non-exempt: No

Why Underwriters Choose MSF

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.

Role Overview

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.

Essential Functions

• 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

Knowledge, Skills, and Abilities

• 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

Qualifications & Experience

• 0–2 years of mortgage underwriting or mortgage operations experience required
• FHA and VA underwriting experience preferred
• Experience reviewing manually underwritten government loans preferred
• High school diploma or equivalent required
• Additional mortgage industry training or certifications preferred

Benefits

Eligible employees may participate in MSF’s comprehensive benefits program, including:

• Medical, dental, and vision insurance
• Health Savings Account (HSA) and Flexible Spending Account (FSA) options
• Life and AD&D insurance
• Short-term and long-term disability coverage
• Supplemental insurance options
• Company retirement plan
• Paid time off (PTO)

Equal Opportunity Employer

Mortgage Solutions Financial is an equal opportunity employer committed to creating an inclusive workplace for all employees and applicants. Reasonable accommodations may be provided to qualified individuals as needed throughout the application and employment process.

Salary : $57,000 - $65,000