First Western

Role Description You're a driven and customer-focused professional with a passion for originating first mortgage loans and building strong referral networks. With a consultative approach, you excel at managing relationships and promoting First Western’s products and services to potential clients and partners. You're self-motivated, thrive in a dynamic environment, and are committed to delivering exceptional customer service. If you're looking for a role where you can directly contribute to business growth and help clients achieve homeownership, this is a fit for you. As a Mortgage Loan Officer, you'll be responsible for originating first mortgage loans and developing relationships with referral partners to support new business growth. Your role will involve working independently, spending a significant portion of your time outside the office engaging with clients and referral partners. You’ll ensure smooth loan transactions by overseeing each step and communicating effectively with all parties involved. By meeting sales goals, providing superior customer service, and maintaining knowledge of mortgage regulations, you'll help drive First Western's success in the mortgage lending market. If you're passionate about building client relationships and promoting mortgage products, this is your opportunity. Qualifications - Bachelor’s degree or equivalent work experience. - 1-3 years of recent residential mortgage lending experience within a bank environment. - Proficient in Microsoft Office Suite, with a strong understanding of CRM tools, loan origination systems, and loan pricing engines. - Solid understanding of mortgage regulatory requirements, including the SAFE Act, Dodd-Frank, HMDA, TILA, RESPA, ECOA, Fair Lending, and the Fair Housing Act. - Proven ability to cultivate and maintain a quality referral network through prospecting, networking, and community outreach. - Strong analytical skills with the ability to analyze complex financial data and income calculations. - Ability to manage loan transactions from processing through closing, providing excellent customer service and communication. - Detail-oriented with the ability to work independently and collaboratively within an operations team. - Ability to work on complex issues, exercising judgment in selecting methods, techniques, and evaluation criteria for obtaining results. - Ability to meet critical deadlines and work in a paperless environment. - NMLS required upon hire. Requirements - Originate first mortgage loans for sale to the secondary market and meet individual annual sales goals, aligned with office sales targets. - Develop and maintain a referral network through prospecting, cold-calling, networking, and participating in community outreach efforts that promote First Western and homeownership. - Spend more than 50% of your working time away from the office engaging in activities to solicit new mortgage loan business. - Provide exceptional customer service by managing loan transactions through processing and closing, and effectively communicating updates to all parties, including Realtors and referral partners. - Respond to all inquiries and referrals within 24 hours. - Meet with applicants either face-to-face or over the phone to determine the appropriate loan programs and products. - Analyze applicants’ financial information, including income and credit history, and complete preliminary qualification for loan programs. - Present complete loan applications and supporting documentation to the operations team within 72 hours. - Complete initial and subsequent loan disclosures with accuracy and in compliance with TILA, RESPA, and MDIA regulations. - Meet volume goals as set by the sales management team. - Attend all sales meetings and complete required training. - Stay up to date with mortgage regulations, policies, and procedures, ensuring compliance with all applicable laws. - Protect First Western Trust and its clients by utilizing security measures to prevent fraud and theft of assets or information. - Participate in periodic fraud and loss prevention training and adhere to best practices to protect company assets and information. Benefits - Competitive base salary: Commission Only, 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.

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. ------------------------------------------------------------------------------------------------------------------ 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. ____________________________________________________________________________________________ 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.

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 04/30/2026. --------------------------------------------------------------------------------------------------------------------------------------------- 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. ____________________________________________________________________________________________ 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.