Ready to take your MORTGAGE UNDERWRITING career to the next level? Our client, a fast-scaling, technology-driven mortgage lender, is expanding their lending operations team. We are looking for a Senior Underwriter who blends deep agency expertise with a modern, tech-forward mindset. Your Impact As a Senior Underwriter, you won't just be checking boxes. You will: • Decision a Full Spectrum: Handle FHA, VA, Conforming, USDA, and Bond/Grant programs. • Be a Subject Matter Expert: Act as a go-to resource for loan officers and processors to help structure complex files. • Drive Quality: Ensure minimal turn times while maintaining "zero-defect" quality standards. • Leverage AI: Work within a high-tech ecosystem designed to streamline your workflow and reduce manual "grunt work." ***Bilingual (English/Spanish) is a major plus but not a requirement***** - FHA Direct Endorsement (DE) with an active CHUMS ID. - VA Supervised Automatic Review (SAR) with an active VA SAR ID. - 5+ years of recent mortgage underwriting experience - Expertise in AUS systems (DU/LPA) and proficiency in Byte (or similar LOS) - Ability to work independently in a remote environment while remaining a collaborative team player

At HCSC, our employees are the cornerstone of our business and the foundation to our success. We empower employees with curated development plans that foster growth and promote rewarding, fulfilling careers. Join HCSC and be part of a purpose-driven company that will invest in your professional development. Job Summary The role is responsible for preparing quotes and rating proposals and renewal projections, as well as approving cases within established authority guidelines. Required Job Qualifications: * Bachelor degree or 3 years of experience in a group health insurance function. * 3 years of experience underwriting cases of lessor complexity OR Demonstrated capability to meet required job responsibility. * Successfully demonstrated skills and experience in underwriting and pricing of various funding options and products and making sound decisions. * Math skills including the four basic math calculations (addition, subtraction, division & multiplication) and ability to estimate for mathematical reasonableness. * Successfully demonstrated interpersonal skills establishing and maintaining business relationships. * Independent judgment and problem resolution skills. * Work management skills including the ability to multi-task, prioritize, and manage time and workload to meet deadlines. * Verbal and written communication skills to include correct grammar, word choice, precision, conciseness, structure, audience appropriate tone and language. * PC proficiency to include Word and Excel. * Successfully Demonstrated skills and experience in presenting to external clients. * Extensive knowledge and skill applying state and federal legislation governing underwriting practices. * Effective Negotiation skills. * Successfully demonstrated skills for performing risk qualification. * Financial analysis and underwriting skills. * Successful experience achieving positive results dealing with customers, consultants and brokers. * Skills to deliver on the job training. * Extensive experience-based knowledge of group medical products, discount practices, stop loss and performance guarantees. Preferred Job Qualifications: * Experienced Underwriter with at least 5-years of experience working National Accounts Business and large Public Sector accounts; including Trend Guarantees * Handle more sensitive & highly confidential accounts at HCSC * Independent interactions with clients and consultants * Demonstrated experience to underwrite experience rated and manually rated health insurance products with sound underwriting judgment. * 5+ years with the Blue System and ability to price National business/accounts. * Mentoring and Development of less experienced Underwriters. This role will be remote but the suitable candidate MUST reside within 250 miles from the posted location. #LI-LK1 #LI-Remote Are you being referred to one of our roles? If so, ask your connection at HCSC about our Employee Referral process! Pay Transparency Statement: At Health Care Service Corporation, you will be part of an organization committed to offering meaningful benefits to our employees to support their life outside of work. From health and wellness benefits, 401(k) savings plan, pension plan, paid time off, paid parental leave, disability insurance, supplemental life insurance, employee assistance program, paid holidays, tuition reimbursement, plus other incentives, we offer a robust total rewards package for employees. Learn more about our benefit offerings by visiting https://careers.hcsc.com/totalrewards. The compensation offered will vary depending on your job-related skills, education, knowledge, and experience. This role aligns with an annual incentive bonus plan subject to the terms and the conditions of the plan. HCSC Employment Statement: We are an Equal Opportunity Employment employer dedicated to providing a welcoming environment where the unique differences of our employees are respected and valued. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other legally protected characteristics. Base Pay Range $61,500.00 - $136,100.00 Exact compensation may vary based on skills, experience, and location.

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.

Role Description The Real Estate Underwriter will support the acquisition and finance teams and perform tasks such as: - Financial analysis and modeling - Market research and analysis - Organizing and maintaining the acquisition pipeline The role requires effective communication, both internally and externally. The successful candidate will be a self-starter, comfortable working in a collegial, team environment with minimal day-to-day oversight. The Real Estate Underwriter will report to the Managing Director, Acquisitions. The Real Estate Underwriter will join our team remotely from the Philippines and will work during US Pacific Standard Times zone business hours. Responsibilities - Perform financial analysis and real estate underwriting on potential investment opportunities. - Assist in reviewing offering memoranda and other seller-provided materials such as income statements, balance sheets, and cash flows. - Conduct efficient and relevant market research and analysis that will be included in presentations to support real estate investment decisions. - Prepare high caliber slide decks. - Perform market-level due diligence, including sale comps, lease comps, and investment trends. - Organize and maintain acquisitions pipeline. - Perform administrative support to the Acquisitions and Finance teams. Qualifications - A bachelor’s degree in real estate, finance and/or accounting a plus. - MBA degree preferred. - 2-5 years of experience in real estate asset management, finance and/or acquisitions. - Comfort and proficiency in underwriting and analyzing real estate opportunities. - Experience with quantitative, spreadsheet evaluations, and/or analysis (return on investment, cash flow, net operating income). - Advanced Excel modeling skills required. - Strong organizational, time management, verbal and written skills. - Strong desire to succeed and ability to work effectively with minimal oversight, while functioning in a team environment. - Ability to generate high quality, error-free work product for internal and external distribution on tight deadlines with minimal oversight. - Unquestionable integrity and ethics. - A “Team Player” mentality, with a passion for brainstorming, problem solving, and independent thinking. - Passion for commercial real estate and desire to grow with an exceptional team. Benefits - Generous consulting fee & benefits package. - Opportunity for development and stability within a well-capitalized, entrepreneurial, and growing real estate investment group.