LOAN SERVICING CLERK in Salida, Colorado at High Country Bank

The Loan Servicing Clerk is responsible for servicing all loans post-closing to include consumer, mortgage, and commercial. They will be responsible for maintaining and monitoring the construction loan portfolio and will be responsible for managing mortgage loans sold through the secondary market. This is NOT a supervisory role.

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• Understands and supports the High Country Bank Mission Statement and commits to adhere to the High Country Bank Values of Honesty, Excellence, Accountability, Respect and Together.

• Responsible for processing loan payments received for all loans, including setting up automatic payments.

• Responsible for maintenance on all existing loan accounts, such as but not limited to: address changes, payment errors, and ARM maintenance.

• Responsible for all line of credit transactions, such as but not limited to: monitoring HELOC end of draw periods, pay to zero requests, and processing line of credit advances.

• Pay and record all disbursements of funds from impound accounts, such as but not limited to: taxes, insurance, flood, PMI, and USDA payments.

• Ensure each required loan has a proper insurance policy in place by working directly with our third- party servicer.

• Manages returned loan department mail.

• Monitors tax payments and status for all applicable loans by working directly with our third-party servicer.

• Responsible for completing an escrow analysis each year for our active portfolio loans.

• Responsible for issuing loan payoff quotes and performing the maintenance of releasing collateral on all paid off loans.

• Monitors and takes action on any disputes received, corrections needed, and overall reporting requirements to the credit bureaus.

• Responsible for taking action on error resolution requests received for all loans.

• Prepares and sends borrower(s) all foreclosure notices according to department policies and procedures.

• Generates and monitors various servicing related loan reports.

• Pulls and sends the required event letters for all loans.

• Responsible for answering phone calls related to our loan portfolio and loans sold on the secondary market.

• Responsible for secondary market loan servicing to include, but not be limited to: monitoring interest rate lock dates, selling mortgage loans on the secondary market, completing all secondary market and internal post-closing maintenance once a loan has been sold on the secondary market, and transferring loans through the MERS system.

• Responsible for construction portfolio maintenance and monitoring to include, but not be limited to: reconciling and approving all construction draws, processing all construction draws, and monthly construction loan inspections.

• Other duties as assigned.

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• Ensure Compliance with all internal controls and established policies and procedures.

• Ensure and understand compliance requirements of all laws and regulations within the Banking industry, including, but not limited to: Bank Secrecy Act (BSA)/Office of Foreign Assets Control Regulations (OFAC); Reporting of Currency Transactions (CTR); Reporting of Suspicious Activity (SAR); Monetary Instrument Log/Customer Identification/Customer Due Diligence (CDD); Anti Money Laundering Regulations; Identity Theft Prevention; Unfair, Deceptive, Abusive Acts or Practices (UDAAP); and Deposit Regulations (Reg CC, E, P,), Freddie Mac lending.

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• Excellent verbal and written communication skills.

• Excellent math skills.

• Trustworthiness and the ability to act with integrity.

• Excellent customer service and interpersonal skills.

• Ability to work independently and as part of a team.

• Strong organizational and time management skills.

• High level of integrity and confidentiality.

• In-depth understanding of Freddie Mac guidelines.

• Strong knowledge of internal mortgage lending products and services.

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• Proficient in Microsoft Office Suite (Word, Excel, Outlook, etc.).

• Comfortable using industry-specific software or tools.

• Familiarity with standard office equipment (phones, copiers, scanners).

• Ability to learn and apply new technologies or systems quickly.

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• High school diploma or equivalent is required.

• Lending or Banking experience is preferred.

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• Must be able to lift up to 50 pounds at times.

• Ability to sit or stand for extended periods.

• Must maintain professional appearance and dress code standards.

• Willingness to work flexible hours, including evenings or weekends, if required.

• Reliable transportation (if travel or multi-location coverage is necessary).

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This position operates in a professional office environment and requires interaction with customers, staff, and leadership. The role may require occasional extended hours and weekend availability, particularly during staffing shortages or peak periods.

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• Paid time Off

• Sick Time Off

• Medical, Dental, and Vision

• $35,000 Employer Paid Life Insurance Policy

• Voluntary Life, STD, LTD, and other supplemental benefit options.

• Flexible Spending Account (FSA), Health Savings Account (HSA) Must Enroll into Medical Plan for Eligibility.

• 401k

• Employee Stock Ownership Plan

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Qualifications: Must meet FDIC standards and Bank requirements; must comply with all company policies, including its handbook, and maintain the ability to meet like standards and requirements throughout term of employment.

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Affirmative Action Program / Equal Opportunity Statement: It is the policy of High Country Bank not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, or because he or she is an individual with a disability or disabled veteran, Armed Forces service medal veteran, recently separated veteran, or active duty wartime or campaign badge veteran, or thereinafter referred collectively as "protected veterans." It is also the policy of High Country Bank to take affirmative action to employ and to advance in employment, all persons regardless of their status as individuals with disabilities or protected veterans, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation, and selection for training, including apprenticeship, at all levels of employment. Furthermore, the company will provide qualified applicants and employees who request an accommodation due to a disability with reasonable accommodations, as required by law.

High Country Bank prohibits harassment of employees and applicants because they are individuals with disabilities or protected veterans. High Country Bank also prohibits retaliation against employees and applicants for filing a complaint, opposing any discriminatory act or practice, assisting or participating in any manner in a review, investigation, or hearing or otherwise seeking to obtain their legal rights under any Federal, State, or local EEO law requiring equal employment opportunity for individuals with disabilities and protected veterans. Prohibited retaliation includes, but is not limited to, harassment, intimidation, threats, coercion or other adverse actions that might dissuade someone from asserting their rights.

As CEO of High Country Bank, I am committed to the principles of affirmative action and equal employment opportunity. In order to ensure dissemination and implementation of equal employment opportunity and affirmative action throughout all levels of the company, Mercedes Jones has been assigned Vice President of Human Resources duties for High Country Bank. One of the Vice President of Human Resources' duties will be to establish and maintain an internal audit and reporting system to allow for effective measurement of High Country Bank's programs.

In furtherance of High Country Bank's policy regarding affirmative action and equal employment opportunity, High Country Bank has developed a written Affirmative Action Program (AAP) which sets forth the policies, practices and procedures that High Country Bank is committed to in order to ensure that its policy of nondiscrimination and affirmative action for qualified individuals with disabilities and qualified protected veterans is accomplished. This AAP is available for inspection by any employee or applicant for employment upon request between 9:00am - 5:00pm at the Human Resources department. Any questions should be directed to me, your supervisor, or Mercedes Jones, Vice President of Human Resources.

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Nicole Stotler

CEO

High Country Bank

July 1, 2025