**Applicant must be located in the Front Range of Colorado** 

 Front Range State Bank is a locally managed independent community bank founded in 1899 located in Longmont, Colorado, offering an array of customized and personalized banking services that meet the needs of businesses and personal clientele. Front Range 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. 

The Business Development Officer is a key role in Front Range State Bank’s efforts to expand business development efforts along Colorado’s Front Range. The primary focus of this role will be to establish referral sources for consumer real estate loans, which include mortgages, home equity lending, construction lending, bridge loans, land loans, and more.  The BDO role will also be expected to support the bank’s efforts to increase deposit volume along the Front Range. 

Essential Duties and Responsibilities:

• Provides clear, polite and professional communication in-person, via phone, chat, and email to internal and external customers
• Conducts business development efforts within the Front Range, sourcing both loans and deposits for the bank. While consumer real estate loans are the      primary focus of this role, BDOs are compensated for a number of other loan types that they may source.
• Sources both in-house loans as well as secondary market mortgage loans. At times, this expectation may require that the Officer source more secondary market mortgage loans than in-house loans, and vice versa, depending on market conditions and needs of the bank.
• Develops and maintains relationships with real estate agents, builders, financial planners, divorce attorneys, business      owners, and other professions which could serve as referral partners and/or clients.
• Establish loan production goals as well as detailed plans conveying how those goals will be achieved. 
• Responsible for discussing loan options with borrowers to determine which loan type may be the best fit.
• Becomes accustomed to navigating the bank’s various technology platforms.
• Assures all Federal & State regulations are adhered to.
• Assists in the coordination among all parties in the mortgage lending process.
• Operates within a team environment and effectively communicate with customers, lenders, processors, closers and underwriters.
• Maintains a high level of customer satisfaction.

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: 

BDO candidates should have expertise in some area of consumer real estate lending, but expertise across all consumer real estate loan types is not expected.

Minimum 3 years of experience in an MLO, Bank Officer, Business Development Officer, or similar role is strongly preferred.

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, PPE, and POS. Knowledge of Word and Excel is preferred but not required. 

Certificates and Licenses: 

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 or 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 walk, stand and sit.

Benefit Package Offered: (Subject to Eligibility Requirements)

• 401(k) Matching
• Medical, Dental and Vision Insurance
• Heath Savings Account with company contribution 
• Employer paid Life Insurance
• AD&D Insurance
• Paid Vacation, Sick and Holiday time
• Flexible Spending Account
• Professional Development Resources/Tuition Reimbursement
• Employee  Assistance Program

Salary Range: $38,400 - $350,000 depending upon experience 

RNB/Front Range State Bank is an Equal Opportunity Employer