Join Our Team
We offer a competitive salary and comprehensive benefit packages including paid time off, 401(k) matching retirement plan, health insurance and educational assistance.
Mortgage Loan Processor
Position Location: Billings, MT
Experience: Six months to two years of similar or related experience, including preparatory experience In-depth knowledge of mortgage lending guidelines and regulations.
Education/Certifications/Licenses: High school education or GED.
Major Duties and Responsibilities
- Review documentation presented by originators and ensure that it is accurate, complete, and consistent
- Request additional documents to support the loan application
- Confirm that the licensed originator provided all disclosures to the borrower within the timeframe required by federal regulation
- Ensure that the loan file meets all product guidelines
- Obtain verification of deposit documentation provided by independent, third-parties used to verify that the information contained on the loan application is true and accurate such as: establishes that the applicant has sufficient cash to meet settlement needs, and send requests to financial institutions to verify assets
- Obtain verification of employment documentation provided by independent, third-parties used to verify that the information contained on the loan application is true and accurate such as: the applicant's employer to substantiate the employment information supplied in the mortgage loan application, stability of the applicant's source of income, and applicant's ability to repay the mortgage loan
- Obtain loan documentation which includes documents such as paystubs, W-2s, tax returns, bank statements, and IRS 4506T tax transcripts.
- Order an appraisal according to the loan type and pulling the credit report if needed
- Input appraisals into automated system, inclusive of detailed information for property
- Run the loan through the automated underwriting system (DU/LPA) for loan approval and documentation requirements, as necessary
- Update the loan origination system as documents are received and re-running the AUS findings as necessary
- Remain alert for valid change of circumstances that trigger redisclosure requirements
- Ensure that borrower communications and updates are handled in a timely, consistent, and professional manner
- Provide a complete loan file to the underwriter for efficient validation and underwriting
- Review underwriting conditions; Satisfies all conditions received from the Underwriter and ensures that approval falls within the established lending guidelines
- Issue weekly updates to borrowers, lenders, realtors, and closers; prepares ECOA to send to customer if loan denied; informs borrowers, realtors, builders and closer of status of loans.
- Schedule closings with title agencies
- Calculate all fees and escrows associated with closing and balance the numbers
- Prepare and deliver the closing disclosure in advance of closing
- Create a properly executed, quality loan package that meets regulatory requirements and investor guidelines
- Prepare the funding approval of each loan and submits wire transfer to the Servicing department for loan funding
- Deliver closing instructions, final closing disclosure, and settlement documents to the settlement agent
- Attend Closings as necessary
- Verify proper execution of a closed loan, post-closing, to ensure all documents were correctly signed and filed
- Satisfy all conditions found post-closing, by an outsourced auditor
- Other duties as assigned
- Provide and promote 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.
Commercial Collection Specialist/Repossessed Asset Clerk
Position Location: Sheridan, WY or Billings, MT
Experience: Six months to two years of similar or related experience, including time spent in preparatory positions.
Education/Certifications/Licenses: High school education or GED is required.
Major Duties and Responsibilities
Commercial Loan Collection Specialist
- Monitor and manage a portfolio of delinquent commercial loans, ensuring timely and effective collection efforts.
- Generate written communication for delinquent loans as mandated by bank policy.
- Monitor delinquent loan list (twice per month) and send delinquent letters as needed; send all late charge notices; follow-up according to Collection Policy
- Develop and implement strategies for loan workout, restructuring, and recovery.
- Negotiate with borrowers, guarantors, and third parties to resolve delinquent accounts.
- Prepare and maintain accurate documentation of collection activities and asset disposition.
- Collaborate with legal counsel on foreclosure, bankruptcy, and litigation matters.
- Ensure compliance with all applicable laws, regulations, and internal policies.
- Provide regular reporting on collection performance and asset recovery status to management.
- Document borrower contact in core processor (Jack Henry).
- Comply with all bank policies and regulations.
Repossessed Asset Clerk
- Coordinate repossession of collateral and manage the sale or liquidation of repossessed assets to maximize recovery.
- Provide assistance to bank management and attorneys during repossessions and foreclosures.
- Other duties may be assigned.
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.
Lead Teller
Position Location: Billings, MT
Experience: 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.
- Responsible for Vault Daily Balancing and ordering/shipping of money for branch.
- Perform hands on teller training with new hires.
- Maintain ATM balancing, order money for ATM and vault, and make entries to related ledgers accurately and timely.
- Provide Exceptional Customer Service
- Regular and reliable attendance.
- Performs other duties and responsibilities as assigned.
Teller (full-time and Part-time)
Position Location: Billings, MT
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
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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.
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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.
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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.
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Regular and reliable attendance.
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Performs other duties and responsibilities as assigned.
Apply Today
Please submit your application to:
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.
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