Senior Credit Approver & Mortgage Risk Lead

First Western; Quinte West; On-site; CAD 112,000 - 154,000; Full time

Benefits offered by this job

401(k) plan with employer match

Paid parking and transportation

Health and wellness benefits (HSA, FSA

Medical, dental, and vision coverage

Generous paid time off and holidays

Training and professional development

Certifications sponsorship

Collaborative culture

Job summary

First Western Trust in Denver, CO is seeking a Credit Approver to independently approve consumer, commercial, and residential mortgage credit requests within delegated lending authority, while supporting sound portfolio risk management across the organization.

You will perform one-up reviews, validate risk ratings and underwriting quality, ensure all approved loans satisfy pre-closing conditions, and help develop analysts through coaching and knowledge sharing.

Qualifications

• Bachelor’s 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, Moody’s, or equivalent) preferred.

Responsibilities

• Approve mortgage loan requests within assigned authority limits.
• Perform one-up reviews of credit decisions.
• Conduct post-approval, pre-closing reviews for conditions.
• Perform dual risk rating reviews at origination.
• Onboard, coach, and train Credit Analysts.
• Maintain credit policy and underwriting standards.
• Partner with lending teams and Credit Administration to resolve underwriting issues and support complex transactions.

Skills

Credit Underwriting

Financial Statement Analysis

Cash Flow Analysis

Regulatory Knowledge

Microsoft Office

Loan Origination Systems

Education

Bachelor’s Degree in Finance/Accounting/Business Administration/Economics

Tools

Financial Spreading Software

Job description

First Western Trust in Denver, CO is seeking a Credit Approver to independently approve consumer, commercial, and residential mortgage credit requests within delegated lending authority, while supporting sound portfolio risk management across the organization.

You will perform one-up reviews, validate risk ratings and underwriting quality, ensure all approved loans satisfy pre-closing conditions, and help develop analysts through coaching and knowledge sharing.