Front Range State Bank/RNB State Bank is a locally managed independent community bank founded in 1899 located in Colorado and Wyoming, offering an array of customized and personalized banking services that meet the needs of businesses and personal clientele. Front Range State Bank/RNB State Bank takes pride in developing personal relationships with its clients while maintaining the highest level of professional service.

Our mission is to not only provide personalized banking services for our clientele, but to encourage our staff to personally contribute to making a difference in the communities that we serve. The Bank is also working towards being a community leader that balances purpose with profit by considering the impact of its decisions on its workers, customers, suppliers, community, and the environment.

What we are looking for:

Front Range State Bank/RNB State Bank is looking for a driven, reliable, hardworking employee who wants to make a difference and provide exceptional customer service for our clients and in our community. If your goal is to build a career that is impactful & fulfilling, consider joining the dedicated team at Front Range State Bank/RNB State Bank.

Benefit Package Offered: (Subject to Eligibility Requirements)

• 401(k) Profit Sharing Plan
• 401(k) Matching
• Medical, Dental and Vision Insurance
• Heath Savings Account with company contribution
• Employer paid Life/LTD
• AD&D Insurance
• Paid Vacation, Sick and Holiday time
• Flexible Spending Account
• Professional Development Resources/Tuition Reimbursement
• Employee Assistance Program
• An annual bonus may be paid to eligible employees based on organization & individual performance.

The Mortgage Loan Originator (MLO) will be responsible for sourcing and originating secondary market and in-house mortgages. This position will support the bank by developing relationships with referral partners and customers alike, resulting in increased loan demand.

Essential Duties and Responsibilities:

• Provide clear, polite and professional communication in-person, via phone, chat, and email to internal and external customers
• Conduct business development efforts within the Carbon County market as well as the greater Wyoming market.
• Develop and maintain relationships with real estate agents, builders, financial planners, divorce attorneys, and other professions which could serve as referral partners.
• Responsible for discussing loan options with borrowers to assure that each borrower receives the best possible loan type for their needs based upon factors such as DTI, LTV, and other qualifying ratios.
• Master the bank’s technology stack, including the LOS, POS, PPE, and CRM.
• Assure all Federal & State regulations are adhered to.
• Assists in the coordination among all parties in the mortgage lending process.
• Operate within a team environment and effectively communicate with customers, lenders, processors, closers and underwriters.
• Maintain a high level of customer satisfaction.
• Work directly with management to develop and execute upon production goals.
• Manage a pipeline of loans, ensuring that each loan receives the appropriate level of attention and transitions through the approval process quickly and efficiently.
• Monitor the underwriting guidelines associated with each loan program to assure that customers are utilizing a program that allows for their specific scenario.
• Manage the rate lock process, ensuring that target yields are met.
• Gather applications as well as underwriting documents, ensuring that they are complete and align with document requirements.
• Be available to accept prequalification and loan applications outside of normal business hours and weekends.
• Recommend additional bank offered products and services as appropriate.

SUPERVISORY DUTIES AND RESPONSIBILITIES:

• No supervisory duties applicable.

Nonessential Duties and Responsibilities:

• Performs all other duties as assigned.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience:

3 or more years of experience working within a lending or banking role is strongly preferred.

Familiarity with financial documents such as paystubs, bank statements, and profit & loss statements is preferred but not required.

A working knowledge of consumer real estate loan products is preferred but not required.

A bachelor's degree in a financial services related field is preferred but not required.

Customer Service/Interpersonal Skills:

Consistently demonstrate a positive, welcoming, friendly, polite, patient, and professional attitude. Ability to actively listen, ask effective questions, build rapport and trust, explain information clearly, take ownership of customer needs, remain calm when concerns arise, and work toward practical solutions.

Language Ability:

Ability to understand complicated situations and communicate them in a succent and efficient manner. Must be fluent (reading/writing/speaking) in English. The ability to read, write, and speak Spanish is preferred but not required.

Math Ability:

Ability to work with mathematical concepts such as fractions, ratios, percentage, basis points, and proportions.

Reasoning Ability:

Ability to define problems, collect data, establish facts and draw valid conclusions. Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations. Team player who must embrace change and see change as opportunity. Must be willing to express and support management’s ideas to affected staff.

Computer Skills:

To perform this job successfully, an individual must have the ability to adapt to new technological systems such as an LOS, a POS, and various investor portals. Knowledge of Word and Excel is preferred but not required.

Certificates and Licenses:

Accredited Mortgage Processional and/or Certified Mortgage Banker designations are a plus, but not required. Existing NMLS registration/licensing preferred.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include Close vision. While performing the duties of this Job, the employee is regularly required to talk and hear. The employee is frequently required to use hands to finger, handle, or feel and reach with hands and arms. The employee is occasionally required to stand, walk; sit and stoop, kneel, crouch, or crawl.

RNB State Bank is an Equal Opportunity Employer