Credit Officer

Job summary

Credit Officer Location: Denver, CO (In-Office) Job Type: Full-Time Exempt Salary: $121,000 - $194,000/YR *Actual offer will be based on experience, location, education, and/or skills* Applications should be submitted for consideration no later than 07/31/2026. ------------------------------------------------------------------------------------------------------------------ Who We’re Looking For You’re a seasoned credit professional who brings strong analytical judgment and a strategic mindset to lending decisions. You understand how to balance growth and risk, and you are comfortable acting…

Job details

Credit Officer Location: Denver, CO (In-Office) Job Type: Full-Time Exempt Salary: $121,000 - $194,000/YR *Actual offer will be based on experience, location, education, and/or skills* Applications should be submitted for consideration no later than 07/31/2026. ------------------------------------------------------------------------------------------------------------------ Who We’re Looking For You’re a seasoned credit professional who brings strong analytical judgment and a strategic mindset to lending decisions. You understand how to balance growth and risk, and you are comfortable acting as a trusted advisor to bankers, clients, and leadership. You thrive in complex credit environments and are skilled in structuring sophisticated deals while maintaining portfolio quality. If you’re collaborative, detail-oriented, and passionate about disciplined credit practices, this role is for you. About the Role The Credit Officer role exists to ensure that First Western’s credit practices align with its overall strategic objectives, while maintaining regulatory compliance and portfolio health. The position contributes to First Western by balancing risk and growth opportunity. It supports client relationship development and business expansion without compromising compliance or portfolio integrity. Additionally, it strengthens organizational capability through training and collaboration, ensuring consistent credit standards and informed credit structuring and decision-making across the bank. What You’ll Do Support Bank Growth and Strategic Objectives Support First Western’s overall strategic direction and growth plans with informed credit structuring and consultation with bankers, balancing growth with risk. Loan Approval and Portfolio Oversight Approve and assist the offices with management of larger, more complex credits within delegated authority. Sales Communication and Credit Structuring Define credit appetite for strategic partners, provide structuring guidance, and promote a “Yes IF” mindset to enable growth without compromising compliance. Client Relationship Development Participate in client meetings, act as a strategic advisor in negotiations, and help strengthen long-term relationships. Credit Training and Skill Development Assist the Senior Credit Officer to identify underwriting and analysis skill gaps and help implement training programs like Shockproof to enhance credit expertise. Helps serve as a mentor to help career pathing for more junior credit approvers. What You Bring Bachelor’s degree required. 7–10 years of experience in commercial banking or financial services, with strong focus on credit risk mgt. Proven experience in underwriting complex commercial, real estate, and high-net-worth loans. Experience underwriting complex commercial, real estate, and high-net-worth loans. Strong knowledge of credit analysis, portfolio management, and risk assessment. Understanding of regulatory requirements and credit governance frameworks. Strong communication, negotiation, and analytical skills. Ability to influence stakeholders and drive sound credit decisions. What We Offer Competitive base salary: $121,000 – $194,000/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. ____________________________________________________________________________________________ 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. Region A Pay Range Pay Range $121,000—$194,000 USD

What you’ll do

The Credit Officer ensures credit practices align with strategic objectives while maintaining regulatory compliance and portfolio health. This includes approving complex credits, providing structuring guidance to bankers, and mentoring junior credit approvers.

Requirements

Requires a bachelor's degree and 7-10 years of experience in commercial banking with a focus on credit risk management. Candidates must have proven experience underwriting complex commercial, real estate, and high-net-worth loans.

Benefits

• 401(k) Plan With Employer Match • Paid Parking • Transportation Benefits • Health Savings Accounts (HSA) • Flexible Spending Accounts (FSA) • Medical Coverage • Dental Coverage • Vision Coverage • Paid Time Off • Bank Holidays • Training And Professional Development Programs • Professional Certification Support

Listed skills

• Analytical · Preferred
• analysis · Preferred
• Training · Preferred
• Collaboration · Preferred
• Health · Preferred
• Client · Preferred
• Compliance · Preferred
• management · Preferred
• Communication · Preferred
• Development · Preferred
• Time · Preferred
• Flexible · Preferred

Other relevant skills

Identified from the job description. Confirm important requirements above.

• Credit Risk Management
• Commercial Underwriting
• Real Estate Lending
• High-Net-Worth Loan Underwriting
• Credit Analysis
• Portfolio Management
• Risk Assessment
• Regulatory Compliance
• Credit Governance
• Negotiation
• Analytical Judgment
• Strategic Structuring