Credit Approver

First Western • Denver, CO

4d • Onsite

About The Position

The Associate Credit Approver independently approves consumer, commercial, and residential mortgage credit requests within delegated lending authority while supporting sound portfolio risk management across the organization. The role reviews lower-level credit decisions, validates risk ratings and underwriting quality, and confirms that approved loans meet pre-closing credit conditions and policy requirements. It also supports analyst development and helps maintain credit quality and adherence to policy.

The position is based in-office in Denver, Colorado, and is full-time and exempt. The stated salary range is $80,000–$109,700 per year; the actual offer depends on experience, location, education, and skills. Applications should be submitted by October 31, 2026.

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field.
• 5–7 years of commercial, consumer, and/or mortgage credit underwriting and analysis experience.
• 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.

Nice To Haves

• 0–3 years of credit approval or delegated lending authority experience.
• 0–3 years of training, mentoring, or leadership responsibilities within credit functions.
• Formal Commercial Credit Training, such as RMA, Moody’s, or equivalent.

Responsibilities

• Approve consumer, commercial, and residential mortgage loan requests within assigned authority limits.
• Collaborate with PC associates to support 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.
• Participate 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.

Benefits

• Competitive base salary of $80,000–$109,700 per year, plus strong bonus potential.
• 401(k) plan with employer match.
• Paid parking and transportation benefits.
• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior