Mortgage Underwriter III

Company: First Western
Location: Denver
Posted on: February 18, 2026

Job Description:

Job Description Job Description First Western is seeking a Mortgage Underwriter III to join our team! Are you looking for a challenging and rewarding opportunity? First Western is seeking a passionate and experienced professional to join our team. As a Mortgage Underwriter III at First Western, you will play a vital role in helping high-net-worth clients achieve their financial goals. You will work closely with our Mortgage Loan Services team to deliver comprehensive solutions that exceed client expectations. If you are passionate about providing exceptional service to clients and are looking for a challenging and rewarding opportunity, we encourage you to apply for this position today. What You Will Do: Analyze credit strength, employment profile, assets, collateral, and all other pertinent information for Jumbo, Conventional, Government, USDA Rural Housing, and Bank portfolio programs. Render credit decisions in alignment with internal, investor and insurer underwriting guidelines. Partner with MLOs and mortgage loan processors on complex and/or exception transactions. Adhere to all department service level standards for communication, production, turn-times and compliance. Prioritize daily workflow from a queue-based system to maximize efficiencies. Complete daily, monthly, and/or quarterly reporting as required. Underwrite up to 60 new files each month, in addition to reviewing and clearing file resubmissions and conditions. Maintain current knowledge of and comply with all applicable laws and regulations, policies and procedures. Practice First Line of Defense to protect First Western Trust, ("the Bank") and its clients from fraud and theft of assets or information which includes utilizing available security measures to protect client and Company Non Public Information; Attend periodic training to optimize effectiveness of fraud and loss prevention; What You Bring: Proficient in Microsoft Office Suite. Experience with Encompass preferred. Must be well-versed in underwriting all income types, including ability to complete accurate income calculations from 1120, 1120S and 1065 returns. Exceptional knowledge of FNMA/FHLMC underwriting guidelines. Thorough knowledge of all current regulatory requirements including but not limited to TILA/RESPA, Reg B, ECOA, and MDIA. Proficient in DU/DO and LP. Strong analytical, written and verbal communications skills. Detail-oriented. Ability to prioritize complex and diverse responsibilities and multi-task in a fast-paced environment. Ability to identify and analyze risk factors that may compromise overall loan quality. Ability to work independently and with a team. Ability to use discretion when making business decisions. Education Level Education Details Required/Preferred Bachelor's Degree Preferred Experience Level Experience Details Required/Preferred 7-10 years Recent residential mortgage underwriting experience in a mortgage or bank environment Required License/Certification Details Time Frame Required/Preferred FHA Direct Endorsement underwriting authority Upon Hire Required VA LAPP/SAR and USDA underwriting authority Upon Hire Preferred What You Receive: At First Western, we pride ourselves on our culture of innovation, teamwork, and continuous learning. We are committed to providing our employees with the tools and resources they need to succeed, including ongoing training and development, a competitive compensation package, and a comprehensive benefits program. Pay Range: $38.47 - $57.70/HR Job Classification: Full-Time Non-Exempt *Actual offer will be based on experience, location, education, and/or skills* - Strong Bonus Potential - 401(k) Plan with Match - Paid Parking/Transportation Benefits - Access to Training & Professional Development Programs - Sponsorship for Obtaining Professional Certifications - Flex Spending Accounts - Health Savings Account - Health & Wellness Benefits - Paid Time-Off Bank Holidays Applications should be submitted for consideration no later than 03/31/2026. Interested in learning more and seeing how we connect? Visit us today at: https://myfw.com/careers/ Questions? Contact us at Talent.Management@myfw.com First Western Financial, Inc. is proud to be an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive and safe environment for all employees. We are fully committed to achieving a diverse workforce by hiring, developing, and retaining talented people from different backgrounds, experiences, abilities, and perspectives. Individuals from all backgrounds, including non-traditional backgrounds, historically marginalized, or underrepresented groups are strongly encouraged to apply. First Western Financial, Inc. is committed to the full inclusion of all qualified individuals. In keeping with our commitment, First Western Financial, Inc. will take the steps to assure that people with disabilities are provided reasonable accommodations. Accordingly, if reasonable accommodation is required to fully participate in the job application or interview process, to perform the essential functions of the position, and/or to receive all other benefits and privileges of employment, please contact Talent.Management@myfw.com. Default Pay Range Input if pay region is not identified. Pay Range $38.47—$57.70 USD

Keywords: First Western, Parker , Mortgage Underwriter III, Accounting, Auditing , Denver, Colorado