FIRST FEDERAL BANK

JOB DESCRIPTION

Job Title: Mortgage Loan Processor I

Supervisor: Director of Residential Lending

Overview

Manage residential mortgage loan files from application to underwriting approval, closing and post-closing, ensuring accuracy and compliance. A processor will act as the primary liaison between loan officers, borrowers, and underwriters to collect and clear conditions to close a loan.

Key Responsibilities

• Prepare initial disclosure packages and disclose to meet federal guidelines
• Documentation Collection & Verification: Review loan applications for accuracy and verify borrower employment, income, assets, and credit reports.
• Loan File Management: Organize and submit completed loan packages to underwriting.
• Liaison Duties: Communicate with borrowers, underwriters, attorneys, and title companies to move the file forward.
• Conditions Clearance: Gather necessary documentation to satisfy underwriter conditions.
• Compliance & Regulatory Adherence: Ensure all files adhere to bank, investor, and government guidelines (FHA, VA, Conventional).
• Closing Coordination: Prepare all necessary documentation for closings to meet federal guidelines and coordinate to schedule closings.
• Objectively handle, process, and secure sensitive information and communications

• Performing additional duties as requested by Director of Residential Lending.

Required Skills and Qualifications

• Experience: 1–3 years of mortgage loan processing experience is preferred
• Technical Skills: Proficiency in loan processing software (Preferred: Encompass) and MS Office.
• Strong understanding of mortgage guidelines, loan types (FHA, VA, Conventional), and RESPA regulations.
• Exceptional attention to detail, strong communication, and the ability to work under tight deadlines

• Proficient oral and written communication skills
• Prior banking or credit related experience with a general understanding of banking fundamentals
• Ability to meet strict deadlines, multi-task, and work with other departments as well as external customers to achieve required results.

PREFERRED JOB QUALIFICATIONS

• Bachelor’s degree in business related field.

FFB Management reserves the right to change this position description at any time according to business needs.

EOE

Part Time Account Representative (Teller-Angier)

First Federal Bank Angier, NC

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Part Time Account Representative (Teller-Angier)

Locations: Angier

Summary

Minimum 30 hours per week working in a positive environment. 

Ensure clients receive excellent service in a professional and courteous manner, maintain a basic understanding of our banking products and services, accurately and efficiently process client transactions and fully comply with company and departmental policies and regulations. 

Duties and responsibilities

• Provides professional teller services to the bank’s customers by prompt acknowledgement of the customer, maintaining a friendly and courteous demeanor, ensures customer satisfaction on transaction requests and presents a professional image.
• Accurately and efficiently completes customer transactions, including but not limited to, cashing checks, receiving deposits, savings account transactions, change orders, processing transfers, loan payments, cashier’s checks, stop payments and wire transfer requests.
• Follows bank and department policies and procedures, regulations and security procedures, completes necessary documents and maintain customer confidentiality.
• Responsible for achieving performance standards for referrals and cross-sell of products and services to achieve bank growth objectives.
• Processes mail, night depository and ATM deposits.
• Balances cash drawer and maintains control and accounting of the bank’s cash assets.
• Assists in completing special day-end processing and daily reports.

Specific Requirements

• High school diploma or equivalent experience.
• Cash handling experience.
• Excellent customer service and communication skills.
• Accuracy and attention to detail
• Ability to effectively access and interpret information on computer screens, documents, and reports
• Ability to utilize processes and techniques for detecting fraud and preventing fraud situations.
• Objectively handle, process, and secure sensitive information and communications

 Preferred Requirements

• Prior teller experience a plus.
• Ability to work independently and as a team with excellent time management skills.
• Knowledge of personal computer and related word processing and spreadsheet software.
• Proficient oral and written communication skills.
• Ability to lift and carry objects up to 20 pounds.

Addition Required Job Qualifications:

• Confirmation of a good employment history.
• Confirmation of no criminal convictions.
• Good credit status for prior two years.
• Capable of communicating on multi-line telephone, composing short memos, reading, writing, hearing, bending, standing, speaking, reaching, sitting for long periods of time.
• Lifting and carrying objects up to 20 pounds, turning full range of motion above head.
• Researching, gathering, compiling data, proficiently entering data in preparation of spreadsheets, text or graph reports.
• Understanding manuals, policies and procedures.
• Learning in a reasonable amount of time and accurately applying that knowledge.
• Completing tasks with numerous interruptions.
• Performing job duties and responsibilities without direct supervision at the level permitted or authorized in accordance with job responsibilities.

EQUAL OPPORTUNITY EMPLOYER                

First Federal Bank is an EEO Employer – M/F/Disability/Protected Veteran Status

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Job Title:

Universal Banker

Job Description:

Job Posting: Universal Banker

Summary

Provide exceptional, professional service to clients by understanding and promoting banking products and services. Accurately and efficiently process client transactions while ensuring full compliance with company policies and regulations. Open and maintain deposit accounts for both consumers and businesses, and contribute to the Bank’s success through business development initiatives and client outreach. Assist clients in achieving their financial goals and objectives.

Essential Duties and Responsibilities

Teller Operations (50%) 

– Support the head teller as needed.

– Serve as the first line of support for teller line operations.

– Deliver professional, courteous service by promptly acknowledging customers, maintaining a friendly demeanor, and ensuring customer satisfaction.

– Accurately process a variety of transactions, including check cashing, deposits, savings withdrawals, loan payments, wire transfers, cashier’s checks, and stop payments.

– Follow all bank policies, procedures, and security protocols, while maintaining customer confidentiality.

– Meet performance standards for product referrals and cross-selling to support the Bank’s growth objectives.

– Process mail, night depository, and ATM deposits.

– Balance cash drawer and account for cash assets daily.

– Assist with special day-end processing and generate daily reports.

Customer Service (30%)  

– Open new accounts for consumers and businesses, ensuring a seamless onboarding experience.

– Service existing accounts, addressing client needs and requests promptly.

– Resolve product or service issues with a focus on client satisfaction and retention.

Business Development (10%)  

– Conduct outreach to prospective clients, businesses, and existing customers.

– Promote and cross-sell the Bank’s products and services based on client needs.

– Proactively profile customers to identify and match financial solutions to their needs.

General Responsibilities (10%) 

– Provide personalized, relationship-based banking services to both current and potential clients.

– Support branch goals related to loans, deposits, and income growth.

– Perform additional duties as assigned by the supervisor.

Required Qualifications

– High school diploma or GED.

– Previous experience in retail sales or customer service.

– Strong customer service and problem-solving skills.

– Effective verbal and written communication skills.

– Ability to handle and protect sensitive information.

– General knowledge of banking principles and fundamentals.

– Availability

EQUAL OPPORTUNITY EMPLOYER

First Federal is an EEO employer – M/F/Vets/Disabled

Job Information:

Job Location: Dunn, NC

Industry: Banking / Investing

Job Type: Full Time

Job Function: General Business

EEO Category: Professionals