[Hiring] Mortgage Underwriter III @First Western

Role Description

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‑around times.
• 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.

Qualifications

• 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.

Benefits

• 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.