Job Summary: A Mortgage Loan Officer is responsible for collecting and screening mortgage loan requests made by telephone, mail, online services, or personal contact. They will be the main point of contact for the Banks mortgage loan clients and realtors. They will work directly with other members of the mortgage loan department throughout the loan process, from application to loan closing. They will be responsible for marketing themselves in their communities to grow their client portfolio.

Supervisory Responsibilities: None

Screen loan requests based on Bank's policies and on types of loans offered by the Bank. Ensure that the loan agreements are complete and accurate according to Bank policy.

Interview applicants and request specified information for their loan application.

Analyze applications and credit reports for creditworthiness based on the Banks policies and underwriting guidelines.

Be able to effectively communicate the products and services offered by the Bank.

Correspond with applicants to resolve questions regarding their loan material and status and collect required documentation from the applicant.

Be a liaison to Real Estate Brokers and/or agents.

Price and lock interest rates for applicable loans on the secondary market.

Correctly quote loan terms to prospective clients. To include but not be limited to: Interest rates, repayment term, fees, and payment amounts.

Prepare mortgage loan files for processing and complete the mortgage audit sheet accurately.

Track and communicate dates related to each loan transaction to ensure the process is moving forward in a timely manner.

Provide mortgage insurance quotes to applicants for applicable loan transactions.

Review for accuracy appraisal reports and title work for applicable transactions. Properly communicate the findings to applicants.

Satisfy underwriting conditions for their loan transactions.

Conduct loan closings for all applicable loan transactions. Be able to effectively explain all documents related to a loan closing.

Contact delinquent loan customers in person, by telephone, by Email, or by mail.

Regularly monitor the mortgage loan maturity list to ensure our portfolio loans do not become delinquent.

Prepare loan modifications for processing.

Review residential construction draws for processing.

On a monthly basis, determine what current construction projects require an inspection.

Work with loan servicing and processing to satisfy all loan final audit requirements.

Effectively track and monitor all prospective and current loan clients.

Identify and analyze potential loan markets to develop prospects for residential real estate loans.

Provide loan data to support marketing and sales promotion programs - responsible for marketing the mortgage loan programs.

Promote and cross-sell other Bank products and services appropriate to customer requirements.

Complete regular trainings to stay up to date on product, procedure, policy, or regulatory changes.

Travel to other High Country Bank branches, title companies, etc. when required.

Excellent verbal and written communication skills.

Highly organized.

Strong knowledge of mortgage lending products and services.

Proficient in Microsoft Office Suite or related software, as well as mortgage origination software.

Basic understanding of relevant equipment, policies, procedures and strategies used in mortgage origination and underwriting.

Ability to identify discrepancies and problem solve.

Thorough understanding of customer service.

Ability to be trustworthy and act with integrity.

Ability to work independently.

BA/BS degree or relevant work experience.

Must be licensed to lend in the State of Colorado (or willing to obtain it).

Must be a licensed notary in the State of Colorado ((or willing to obtain it).

Physical Requirements:

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

May need to stand for long periods of time.

Paid time off

Sick Time

Medical, Dental, and Vision

$35,000 Employer Paid Life Insurance Policy

Voluntary Life, Short Term and Long Term Disability

Flexible Spending Account (FSA), Health Savings Account (HSA) Must Enroll into Medical Plan for Eligibility, and Health Reimbursement Account (HRA)

401k

Employee Stock Ownership Plan

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.

High Country Bank is an Equal Opportunity Employer that does not discriminate on the basis of actual or perceived race, creed, color, religion, alienage or national origin, ancestry, citizenship status, hair texture, hair type, or a protective hairstyle that is commonly or historically associated with race, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. Our management team is dedicated to this policy with respect to recruitment, hiring, placement, promotion, transfer, training, compensation, benefits, wage rates, pay practices, employee activities and general treatment during employment.

High Country Bank will endeavor to make a reasonable accommodation to the known physical or mental limitations of qualified employees with disabilities unless the accommodation would impose an undue hardship on the operation of the Bank. If you need assistance to perform your job duties because of a physical or mental condition, please let the VP of Human Resources know.

High Country Bank will endeavor to accommodate the sincere religious beliefs of its employees to the extent such accommodation does not pose an undue hardship on the operation of the Bank. If employees wish to request an accommodation, they should contact the VP of Human Resources.

Any employees with questions or concerns about this policy or who experiences or observes any violation of this policy should report it immediately to the VP of Human Resources. High Country Bank prohibits any form of retaliation against individuals who, in good faith, report such matters or participate or cooperate in their investigation. If employees feel they have been subjected to any such retaliation, they should contact the VP of Human Resources. Violation of this policy including any improper retaliatory conduct will lead to discipline, up to and including termination. All employees must cooperate with investigations under this policy.