Credit Approver

Credit Approver

Location: Denver CO (In-Office)

Job Type: Full-Time Exempt

Salary: $80000 - $109700/YR *Actual offer will be based on experience location education and/or skills*

Applications should be submitted for consideration no later than 10/31/2026.

Who Were Looking For

You are a credit professional with experience in commercial consumer and/or residential mortgage underwriting who enjoys balancing risk management with relationship-based banking. You have strong analytical skills sound judgment and the ability to evaluate complex credit situations while maintaining consistency with policy and regulatory expectations. You thrive in a collaborative environment and enjoy supporting the development of others through coaching feedback and knowledge sharing.

About the Role

The Associate Credit Approver is responsible for the independent approval of consumer commercial and residential mortgage credit requests within delegated lending authority while supporting sound portfolio risk management across the organization. This role performs one-up reviews of lower-level credit decisions validates risk ratings and underwriting quality ensures all approved loans satisfy pre-closing credit conditions and policy requirements supports analyst development and helps maintain strong credit quality and adherence to policy.

What Youll Do

• Approve consumer commercial and residential mortgage loan requests within assigned authority limits. Collaborate with PC associates to ensure efficient movement between approval and documentation.
• Perform one-up reviews of credit decisions made by lower delegated authorities.
• Conduct post-approval pre-closing reviews to verify satisfaction of conditions and policy requirements.
• Perform dual risk rating reviews at origination.
• Play an active role in onboarding coaching and training for Credit Analysts.
• Assist with development and maintenance of credit policy and underwriting standards.
• Partner with lending teams and Credit Administration to resolve underwriting issues and support complex transactions.

What You Bring

• Bachelors Degree in Finance Accounting Business Administration Economics or related field required.
• 5-7 years Commercial Consumer and/or Mortgage Credit Underwriting and Analysis required.
• 0-3 years Credit Approval or Delegated Lending Authority Experience preferred.
• 0-3 years Training Mentoring or Leadership Responsibilities within Credit Functions preferred.
• Strong knowledge of commercial consumer and residential mortgage lending principles.
• Thorough understanding of financial statement analysis cash flow analysis global cash flow collateral analysis and credit structuring.
• Ability to independently assess credit risk and make sound lending decisions within delegated authority.
• Knowledge of regulatory guidance banking compliance requirements and risk management practices.
• Proficiency with loan origination systems financial spreading software and Microsoft Office applications.
• Formal Commercial Credit Training (e.g. RMA Moodys or equivalent) preferred.

What We Offer

• Competitive base salary: $80000 - $109700/YR 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.

At First Western Trust were more than just a financial institutionwere 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 others 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 youre just beginning your journey or bringing years of experience youll 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 whats rightalways.

If that sounds like you youll fit right in.

Learn more at or email .

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 .