Join Our Team
At First Federal Bank & Trust, our people are our greatest strength. We offer a competitive salary and comprehensive benefit packages including paid time off, 401(k) matching retirement plan, health insurance and educational assistance.
Open Positions
Loan Servicing Operations
Position Location: Billings, MT
Experience: 2-5 years of similar or related experience, including preparatory experience.
Education/Certifications/Licenses: High school education or GED.
Major Duties and Responsibilities
Servicing Operations
- Maintain knowledge of bank's core operating system and loan operating system.
- Disburse funds from Loss Draft Accounts and Spruce up loans.
- Sell/Release Loans to Investors.
- Maintain level of knowledgeable about Investor servicing and reporting requirements.
- Quote Fannie Mae interest rates to lending staff.
- Lock loan rates and terms for delivery to Investors.
- Book and fund all loan types.
- Post loan and lease payments.
- Post payoffs, pull paid notes and mortgages, and prepare mortgage releases.
- Track filing and releases of UCC liens.
- Completes review of loans set up in core processing system for accuracy.
- Ships FNMA and MPF loans to investors.
- Interact effectively with customers to resolve loan servicing issues.
- Monitor escrow accounts for proper tax and insurance payments.
- Pay all invoices associated with loan costs incurred by the borrower and lender to originate the loan.
- Properly document fees paid to customer in conjunction with loan servicing procedures.
- Refund necessary fees to the customer after all invoices are paid on their behalf.
- Submit check payment to proper vendor within the appropriate amount of time.
- Process insurance renewal notices, expired and missing insurance and insurance cancellation notices while verifying for accuracy.
- Update daily activity and new information in core processor and scan notices and correspondence.
- Contact insurance agents to secure missing proof of insurance or deficient coverage amounts.
- Verify that bank's lien position is listed correctly on binders, Certificates or insurance policies and conduct timely follow up with insurance agents to obtain corrected documentation.
- Maintain written and oral contact customers/borrowers to obtain missing or deficient insurance coverage.
- Force place insurance coverage when applicable, and remit premium payment for force placed insurance, increasing loan principal in FPS accordingly, and notify customer of bank actions taken.
- Handle the payment of insurance on escrowed loans.
- Prepare and distribute missing insurance reports.
- Provide exceptional customer service.
- Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Universal Banker
Position Location: Billings, MT
Experience: Six months to two years of similar or related experience.
Education/Certifications/Licenses: High school education or GED.
Major Duties and Responsibilities
Personal Banker
- Open new accounts and other deposit products offered
- Introduce and sell other bank products available
- Sell relationship banking concept/products to new/current customers
- Have in-depth understanding of bank products and services which include: Deposit accounts, available loan products, and other products offered by bank, Online banking products and services - consumer and business, Debit Card Program and associated fraud prevention programs, Credit Card Program, and all other relevant programs
- Close Accounts - IRA, HSA, CD, Checking, Savings
- Execute wire transfers
- Problem solve customer complaints, transactions which cannot be handled at the teller line, research per customer request, process ATM/Debit card disputes, and provide extra care and attention to customers when needed
- Work closely with FFBT Business Development Officers and all lenders to: Cross-sell products and make cross-referrals for a full-service banking relationship and make joint calls when requested to do so
- Obtain credit records from credit reporting agency
- Consumer Lending including: Personal Reserves, Unsecured Loans, and Share Loans
- Other duties as assigned
Teller
- Answer phones and direct calls
- Receive checks and cash for deposit or cashing, verify amount, and examine checks for endorsements, signatures and date issued
- Process withdrawals, transfers, general ledger transactions, wire transactions, credit card transactions, stop payment requests, check orders, customer statements, and research requests
- Assist customers with online banking
- Enter customer transactions into computer for recordkeeping and issue customer receipts
- Prepare and process daily checks
- Count coin for the vault balancing
- Balance currency, coin, checks, and all teller transactions and compare totals to computer totals
- Prepare currency and fills out cash slip for selling cash to vault teller
- Reports all cash offages to supervisor
- Sales/cross sell products; explain, promote, and sell products and services such as debit cards and cashier's checks
- Process night depository transactions
- Process address changes, file documents, mail notices, send/receive faxes, answer telephone calls, process e-mail statement requests
- Process loan payments
- Provide exceptional customer service
- Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Teller (full-time and Part-time)
Position Location: Sheridan, WY
Experience: Six months to two years of similar or related experience, including preparatory experience. Cash handling and customer service experience is strongly preferred.
Education/Certifications/Licenses: High school education or GED.
Major Duties and Responsibilities
-
Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
-
Assist customers with transactional needs according to established guidelines, brand model and service standards, including answering basic customer inquiries regarding account balances, transaction history, service charges, interest rates, etc.
-
Maintain daily operational standards, including but not limited to cash drawer security, daily balance of cash drawer, item capture procedures, counterfeit currency identification, count and roll coins, balance ATM, and adequate supplies in teller station.
-
Knowledge of products and services and educate customers on emerging bank technology and digital solutions such as mobile, online, ATM and other offerings.
-
Protect the bank from unnecessary risk or exposure by being familiar with bank procedures and confidentiality guidelines, including but not limited to currency transaction reports, suspicious activity reports, Regulation CC holds and documentation, robbery procedures, etc.
-
Adherence to internal controls, operational procedures, and risk management policies. Adhere to security protocols for robbery, fraud, opening/closing process, cash controls, and teller procedures.
-
Regular and reliable attendance.
-
Performs other duties and responsibilities as assigned.
Apply Today
Take the next step and discover a career that truly invests in you.
Contact Human Resources
Wendy Gnehm
SVP Human Resources Manager
We are an Equal Opportunity Employer /Affirmative Action Employer providing equal employment opportunities to all qualified applications regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran or disabled status.
This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
