Mortgage Underwriter

Who we are

We are a family-owned bank committed to providing exceptional service and innovative banking solutions while making a difference in the communities we serve.  We take great pride in the relationships we build and the lives we impact.   We offer the strength of a big bank combined with local decision-making and hometown involvement, setting our community bank apart from the rest. 

Our mission

Our mission is to support the financial goals of individuals and businesses in the communities we call home by offering every person a better banking experience.

Our values

• Passion: We have an unrelenting drive to be great.  Quality service is our #1 priority.


• Commitment: We do not shy away from accountability.  We together as a team and embrace the spirit of service.


• Leadership: We are competitive leaders in our markets and a go-to source for finance and lending.


• Community: We’re proud to support each other and our local communities.  We win when our customers win.

To learn more about us, visit www.firstnationalbanks.bank.

About the role

Responsible for performing underwriting functions in the origination of real estate secured consumer transactions. This role provides consistent, accurate, and quality loan decisions in accordance with the Bank and secondary market investor standards in order to maximize organizational profit and minimize risk or loss.

This role can be located in Rapid City, SD or Cheyenne, WY. This is not a remote position.

What you will do

• Underwrites Conventional, FHA, RD, VA, Bond, Portfolio, and secondary market Jumbo loans following established company, agency and investor guidelines.


• Understand and Underwrite In-House/ Portfolio loans to the Banks Standards.


• Assists manager with day-to-day activities of the underwriting department to ensure quality service levels are met.


• Communicates effectively and engages proactively with loan originators, processors, branch managers, funders and post-closers in regards to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and other possible loan scenarios.


• Assists manager with team member coaching, development and training.


• Troubleshoots system issues as they arise.


• Recommends and drives process improvements.


• Assists with audits and other projects as needed.


• Other duties as assigned.

What you will need

• Bachelor's degree in related field preferred, but not required.


• 3+ years of recent mortgage underwriting experience required.


• Possesses all certifications associated with Conventional, FHA, and VA products.


• General knowledge of federal, state, and regulatory requirements/guidelines related to consumer residential mortgage lending.


• Strong working knowledge of Ability to Repay/Qualified Mortgage Requirement.

What we offer

• Health Insurance


• Dental Insurance


• Vision Insurance


• Paid Vacation, Sick, and Holiday time


• A competitive 6% 401k match


• And more!

Candidate must pass a pre-employment screening including credit history and criminal record check.

Candidates should only apply to jobs posted on reputable sources. These include (but are not limited to) our Company Website, Indeed, Glassdoor, LinkedIn, etc.

Our company provides equal employment opportunities (EEO) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.