COVID-19 Update

FMS Bank branch lobbies are open effective June 15, 2020. While we’re hopeful to soon return to normal operating procedures, our priority will continue to be the health and safety of our employees, customers and our communities. We are not requiring customers to wear face masks, but for security purposes we ask you to please remove your mask briefly to identify yourself before coming in.

Should you have further questions or need banking assistance over the phone, please call your local Greeley branch at (970) 673-4501 or your Fort Morgan branch at (970) 867-3319.

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familyWelcome to FMS Bank—Investing in What Matters.

The greatest asset of FMS Bank is the people who work here and the personal service they give to our customers. As a high-quality and service-oriented community bank we’re looking for dynamic, service-driven team members dedicated to fulfilling the financial needs of our customers.

FMS Bank is a Great Place to Work-Certified™ Company. Great Place to Work® is the global authority on workplace culture, employee experience, and leadership behaviors proven to deliver market-leading revenue and increased innovation.

FMS Bank is an Equal Opportunity Employer offering competitive compensation, comprehensive employee benefits and opportunities for career development and advancement. We are committed to personal respect, professionalism, teamwork and a positive, friendly attitude toward colleagues and customers.

Mortgage Loan Officer


Purpose of Position
This position is responsible for assisting to achieve the bank’s goals by soliciting, negotiating, underwriting and coordinating the closing of secondary market residential mortgage loans. Other responsibilities include developing deposit relationships with customers by maintaining good customer relations, as well as identifying and referring customers to appropriate staff for new services.

Reporting Relationships
Position Reports to: Mortgage Department Manager
Positions Supervised: None

Essential Duties and Responsibilities (The following are the primary duties of this position, but this list is not exhaustive, and additional duties may be assigned as is necessary to meet the needs of visitors, vendors, clients, staff and shareholders.)

  1. Consistently deliver high-quality internal and external service according to service standard guidelines.
  2. Conduct sales interactions with clients/potential clients to assist in the selection of various products and services, with the goal of earning 100% of the client’s business.
  3. Generate and service a variety of mortgage loans that represent the local market.
  4. Aggressively seek and obtain quality new business through client and prospect calls, referrals, and cross selling efforts.
  5. Maintain credit quality in the loan portfolio via monitoring of credit files, borrowers’ performance, and past dues.
  6. Structure and service relationships in accordance with the bank loan policy.
  7. Provide support to other lenders and loan department staff to achieve bank goals.
  8. Work within an established Business Development Plan.
  9. Represent the bank at community events.
  10. Participate in at least one community organization.
  11. Obtain, and ensure accuracy, of regulatory and process/procedure documentation.
  12. Protect all client and bank information, and follow privacy policies.
  13. Interact with all staff and visitors in a professional, courteous and respectful manner.
  14. Adhere to bank’s operational compliance and security policies and procedures, and applicable state and federal laws.
  15. Adhere to secondary market guidelines.

Critical Results

  1. Quality loan growth.
  2. Generate non-interest income.
  3. Maintain control of non-interest expenses.
  4. Assist in achieving the bank’s objectives.
  5. Meet and exceed all internal and external service standards.
  6. Complete and pass all assigned training, by the respective assigned due date.
  7. Process work accurately, with minimal to no errors, within established timelines.
  8. Maintain registration as a mortgage loan originator (MLO) through the National Mortgage Loan System (NMLS).


  • Minimum 5 years experience in mortgage lending.
  • Bachelor’s degree or equivalent combination of experience and training.
  • Successful experience with computer and software systems.

Key Abilities/Competencies

  1. Driven to proactively provide excellent service
  2. Demonstrate innovation/creativity
  3. Positively influence others
  4. Problem solving/decision making
  5. Know the customer market
  6. Exercise sound business judgment
  7. Planning and analyzation
  8. Seek continuous improvement
  9. Control quality
  10. Know the products/services, loan servicing and credit analysis
  11. Maintain technical expertise
  12. Sales skills
  13. Effective written, verbal and interpersonal communicator
  14. Flexibility
  15. Manage time effectively
  16. Sense of urgency
  17. Self-motivated
  18. Take initiative
  19. Strong work commitment
  20. Build and sustain relationships
  21. Remain objective
  22. Critical thinking
  23. Reliable
  24. Ability to perform basic math functions and calculations
  25. Honesty
  26. Ability to anticipate and embrace change


For information about this and other opportunities, please call us at (970) 867-3319 or mail your resume to:

FMS Bank
ATTN: Human Resources
PO Box 1040
Fort Morgan CO 80701-1040