MSC SERVICES LLC

Role Description 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. Qualifications - 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. Requirements - 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. Benefits - 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). Company Description 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.

Role Description 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. - 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. Qualifications - 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. Requirements - 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 - 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

Job DetailsJob Location: Corporate Region - Colorado Springs, CO 80920Position Type: Full TimeSalary Range: $90,000.00 - $100,000.00 Salary/yearPosition: Underwriter III Department: Underwriting Reports To: Underwriting Manager Location: 7450 Campus Drive, Suite 200, Colorado Springs, CO 80920 - Remote Remote: ☒ YES or ☐ NO Exempt: ☒ Non-exempt: ☐ Compensation: $ 90,000-100,000 annually 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. 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 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. Essential Duties: 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. Performance and Reliability 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. QualificationsKnowledge Skills and Abilities 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. Experience & Education 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. Physical Requirements This role requires remaining in a stationary position for prolonged periods (e.g., at a desk, working on a computer). Requires consistent visual focus and mental concentration for extended durations to review complex loan documentation, analyze data, and perform detailed manual underwriting. Frequent use of hands and fingers for typing, data entry, and operating standard office equipment (e.g., computer, keyboard, mouse, phone). Requires clear articulation and the ability to listen and comprehend information accurately, even under pressure. The ability to concentrate and make critical decisions accurately, even when fatigued, is paramount. MSF is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on 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.

Job DetailsJob Location: Corporate Region - Colorado Springs, CO 80920Position Type: Full TimeSalary Range: $105,000.00 - $129,000.00 SalaryPosition: Division Manager (Non-Producing) Department: Sales Reports to: Location: Corporate office, 7450 Campus Drive, Ste 200; Colorado Springs CO 80920 or Remote Exempt: ☒ Non-exempt: ☐ Compensation & Benefits: $105,000.00 to $129,000.00 annually - This is a high-level leadership position. Compensation is comprised of a base salary, override commissions based on divisional volume, and a percentage of net profit (P&L) generated by the division. 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 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 The Division Manager is a senior leadership role responsible for the strategic direction, financial performance, and operational excellence of a multi-branch division. Unlike a Branch Manager, this is a non-producing role, focused entirely on the "big picture": scaling the division, managing the full Profit and Loss (P&L) statement, and overseeing high-level expenditures and revenue growth. The Division Manager mentors Branch Managers, drives regional recruitment, and ensures that the division’s culture and production align with MSF’s corporate vision. Essential Duties Financial Oversight: Full accountability for the division’s P&L. Monitor and manage all expenditures, revenue streams, and cost-per-loan metrics to ensure divisional profitability. Strategic Growth: Develop and execute annual business plans to expand market share and increase regional loan volume. Lead the strategic recruitment of high-performing Branch Managers and Loan Officers. Oversee the onboarding and integration of new branches into the division. Set and monitor production targets for all branches within the division. Review monthly commission worksheets and financial reports to ensure the division meets or exceeds corporate expectations. Ensure all branches within the division adhere to federal and state regulations, as well as MSF corporate policies and quality control standards. Act as the primary liaison between the division and corporate executive leadership. Collaborate with Secondary Marketing, Underwriting, and Operations to streamline divisional workflows. Review and approve marketing budgets, facility expenses, and staffing costs for the division. Brand Advocacy: Promote the image and reputation of MSF across the region through high-level community networking and professional associations. Mentor Branch Managers to improve their leadership skills, local production, and branch-level profitability. Perform other duties as assigned. Knowledge, Skills & Abilities Advanced Financial Acumen: Expert understanding of P&L management, mortgage accounting, and the financial drivers of a retail mortgage operation. Executive Leadership: Proven ability to manage a diverse team of managers and sales professionals across multiple geographic locations. Market Knowledge: In-depth knowledge of the mortgage industry, including secondary market trends, capital markets, and regulatory shifts. Strategic Recruitment: Strong "headhunting" and networking skills to attract top-tier talent in a competitive market. Conflict Resolution: Ability to navigate complex corporate, personnel, and investor-related challenges with professional diplomacy. Communication: Exceptional verbal and written communication skills for presenting financial results and strategic initiatives to executive stakeholders. QualificationsEducation & Experience Bachelor’s degree in Business, Finance, or a related field is preferred. 5+ years of successful management experience in the mortgage industry, preferably at a Regional or Divisional level. Proven track record of managing a profitable P&L in the mortgage sector. Active NMLS license (preferred, though this is a non-producing role). Physical & Mental Requirements Primarily sedentary position involving prolonged periods of sitting and computer work. Requires frequent travel (air and ground) to visit branch locations and attend industry conferences. Requires a high level of mental fortitude and the ability to make difficult financial and personnel decisions under pressure. Must be able to maintain composure and lead a division effectively in a fluctuating interest rate environment. MSF is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on 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.

Job DetailsJob Location: First Bank & Trust of Memphis - Colorado Springs Campus - Colorado Springs, CO 80920Position Type: Full TimeSalary Range: $57,784.00 - $100,000.00 Base+Commission/yearPosition: Manager, Mortgage Branch Reports To: President, Commercial & Rural Residential Division Location: 7450 Campus Drive, Suite 210, Colorado Springs, CO 80920 Remote: Yes Exempt: Yes Compensation: Base Salary + Commission BANK19, a division of First Bank and Trust of Memphis, 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. Role Overview The Mortgage Branch Manager is a key leadership position responsible for the personal production, team management, and strategic growth of the branch. This role is a critical driver of success, ensuring that the branch operates in compliance, with professionalism and excellence in customer service. A dynamic and experienced professional is required to lead a team and expand the market share in a fast-paced environment. Essential Functions: • Maintain personal loan production at or above minimum loan volume and quality targets. • Structure loan applications and terms to meet the goals of both the client and the Company. • Develop a personal pipeline and lead strategic initiatives, sales development, and branch production in alignment with corporate targets. • Oversee and manage production goals by actively recruiting and developing licensed Loan Officers and staff for the branch. • Review monthly commission worksheets and prepare production projections to keep branch results in line with expectations. • Develop and maintain a network of relationships with new and existing clients. • Promote the image and reputation of the company to expand market share. • Assist and cooperate with corporate management on various initiatives and to respond to investor inquiries. • Originate mortgages and sell mortgage loan products and services to residential customers. • Guide clients through the loan process, educating them on available loan types and ensuring their satisfaction throughout the transaction. • Perform other duties as assigned. Knowledge Skills and Abilities Thorough understanding of conventional, FHA, VA, and USDA loan products and regulations. Strong understanding of mortgage industry regulations, guidelines, and compliance standards. In-depth knowledge of mortgage loan products and the entire loan origination process. Demonstrated knowledge of financial management, including commission calculation. Exceptional leadership, mentorship, and team development skills. Excellent sales, business development, and relationship-building skills. Strong analytical and problem-solving skills to structure complex loan applications. Excellent communication skills for client education, team management, and corporate interaction. Ability to maintain personal loan production while simultaneously managing a branch and a team. Ability to recruit, hire, and manage a team to meet and exceed production goals. Ability to operate with a high degree of financial responsibility. QualificationsExperience & Education Bachelors’ degree in finance, business, or economics (or equivalent experience), 3–5 years of mortgage banking experience, and 2–3 years of supervisory, sales, or operational experience. Physical Requirements This is a primarily sedentary position, involving prolonged periods of sitting at a desk and working on a computer. This role may require driving to and from various locations for community networking and business development activities. A high level of mental fortitude, including the ability to manage, lead and motivate a sales team, and navigate challenging client and corporate interactions is required. Must be able to maintain composure and solve problems under the consistent expectation of meeting monthly sales goals. BANK19 is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status. BANK19 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.