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Headshot of Underwriting Manager Josh Cain,
First Western

Underwriting Manager

As Underwriting Manager, Josh is responsible for risk assessment and financial analysis in support of First Western’s lending practices across its offices. This includes overseeing the centralized credit/underwriting for First Western, leading a team of analysts, mentoring, empowering decision-making, and promoting critical thinking. He manages daily workflow and reviews credit presentations prior to approval while working with current and incoming analysts to determine career paths and the steps/training necessary to achieve personal and professional goals.

Josh enjoys working at First Western because his work is different each day, and he feels empowered to make impactful decisions daily. Also, with First Western's unique client base, there is an environment of constant learning about new industries. Prior to joining First Western, Josh held analyst positions at Mile High Banks and Colorado State Bank and Trust. He also worked in the accounting and personal banking departments with Colorado State Bank and Trust.


Getting to Know Josh

What do you like most about what you do?
What I like most about what I do is the diversity of the work I perform and fostering a learning environment for junior employees. It's almost impossible to pin down what a "typical" day looks like for me.

What do you believe is your best quality?
My bright and sunny personality. And my dry sense of humor........

What is your motto?
Get outta town!


  • Bachelor of Science in Business Administration with honors and emphasis in Finance from University of Colorado, Denver
  • NMLS ID 1616251


  • Active in the local arts community as a musician and co-owner of Bocumast, LTD., a Denver-based record label and digital music distributor
  • Contributes to several arts and culture blogs and has syndicated pieces with The Huffington Post