Job Description

Mortgage Underwriter III

Location: Denver, CO (Remote)

Job Type: Full-time Non-Exempt

Salary: $38.47 - $57.70/HR *Actual offer will be based on experience, location, education, and/or skills*

Applications should be submitted for consideration no later than 05/30/2026.

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Who We’re Looking For

You’re an experienced mortgage underwriting professional with deep knowledge of agency, investor, and insurer guidelines. You balance precision with efficiency, making sound, compliant credit decisions even on complex loan scenarios. You thrive in a fast‑paced, high‑volume environment, collaborate naturally with loan officers and processors, and bring strong analytical skills with a calm, solutions‑oriented mindset. If you excel at evaluating risk, upholding quality standards, and supporting a high‑performance lending team, this role is for you.

About the Role

The Mortgage Underwriter III evaluates and renders credit decisions on 1–4 family residential mortgage loans across Jumbo, Conventional, Government, USDA Rural Housing, and Bank portfolio programs while ensuring compliance with investor, agency, and Bank policies.

What You’ll Do

• Analyze borrower credit profiles, income, assets, collateral, and risk factors.
• Issue credit decisions aligned with internal, investor, and insurer guidelines.
• Partner with MLOs and Processors on complex or exception‑based loans.
• Maintain adherence to department SLAs for communication, production, and turn‑
• Prioritize daily workflow from a queue‑based system.
• Complete required daily, monthly, and quarterly reporting.
• Underwrite up to 60 new files monthly plus conditions and resubmissions.
• Maintain up‑to‑date knowledge of regulations including TILA/RESPA, ECOA, and MDIA.
• Practice First Line of Defense responsibilities, including fraud prevention.
• Participate in compliance training and monitor for fraud indicators.

What You Bring

• Bachelor’s degree preferred.
• 7–10 years recent residential mortgage underwriting experience (required).
• Proficiency with Microsoft Office; Encompass experience preferred.
• Ability to analyze complex tax returns (1120, 1120S, 1065).
• Expertise in FNMA/FHLMC guidelines and DU/DO/LP.
• Strong analytical, communication, and detail‑orientation skills.
• Ability to work independently and manage multiple priorities.
• Knowledge of GUS and Bond programs is a plus.
• FHA Direct Endorsement required; VA LAPP/SAR and USDA preferred.

What We Offer

• Competitive base salary: $38.47 - $57.70/HR , plus strong bonus potential.
  401(k) plan with employer match.
  
• Paid parking and transportation benefits.
  
• Comprehensive health and wellness benefits, including:
  Health savings accounts (HSA)
  
• • Flexible spending accounts (FSA)
    
  • Medical, dental, and vision coverage
    
  Generous paid time off and bank holidays.
  
• Access to training and professional development programs.
  
• Sponsorship and support for obtaining professional certifications.
  
• A culture of collaboration, continuous improvement, and shared success.

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Who We Are

At First Western Trust, we’re more than just a financial institution—we’re a team of forward-thinkers committed to excellence, innovation, and impact. Our culture thrives on teamwork and mutual respect, grounded in the belief that diverse perspectives fuel creativity and help us tackle challenges in fresh, effective ways.

We celebrate each other’s successes, welcome new ideas, and take personal ownership in everything we do. A genuine desire to positively impact our clients, communities, and one another drives our work. We meet challenges with a growth mindset, act with urgency and accountability, and constantly strive to raise the bar for ourselves and our clients.

Leadership at First Western means setting an example and fostering a culture of trust, transparency, and respect. Whether you’re just beginning your journey or bringing years of experience, you’ll find a welcoming community where your contributions are valued and your potential is boundless.

We expect our people to:

• Demand and reward excellence.
• Take action and responsibility.
• Collaborate, communicate openly, and give/receive feedback with trust.
• Go above and beyond to do what’s right—always.

If that sounds like you, you’ll fit right in.

Learn more at myfw.com or email Talent.Management@myfw.com.

Equal Opportunity Employer

First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status. For accommodation requests, please contact Talent.Management@myfw.com.

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