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Join the First Federal team!

Job Number:  721
Accountant – Entry Level



Performs general accounting tasks including processing accounts payable, general ledger and internal bank account reconciliations, balancing of teller cash reports to the general ledger, correspondent bank balance monitoring, correspondent bank transaction recording and assistance with financial closing procedures.



  • Process accounts payable
  • Scan and temporarily maintain accounts payable invoices
  • Reconcile internal DDA accounts and clear outstanding items on a timely basis
  • Reconciling and remitting federal and state customer tax withheld
  • Reconcile general ledger accounts and clear outstanding items on a daily basis
  • Reconcile 3rd party loan and deposit applications to the general ledger
  • Assist in month end, quarter end, and year end closing procedures
  • Assist with departmental research requests
  • General office support including word processing, copying, scanning, filing and Excel spreadsheet production
  • Cross train in department functions
  • Other duties as assigned by CFO or other departmental managers


  • Associates Degree in business related field of study or equivalent job experience
  • Proficient math skills
  • Objectively handle, process, and secure sensitive information and communications
  • Basic knowledge of Excel spreadsheets, text and graph models
  • Basic understanding of banking fundamentals
  • Basic computer skills
  • Attention to detail
  • Basic oral and written communication skills
  • Ability to work 40+ hours a week as needed, and occasionally on Saturdays


  • Previous accounting or bookkeeping experience
  • Bachelor’s degree in business related field.


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



Job Number:  1221
Roving Teller/CSR


Job Summary

To efficiently and professionally perform transactions for customers and staff.  Jobholder will participate in the overall effort to market the products offered by First Federal Bank.  The jobholder will perform all functions within teller standards, regulatory guidelines, company operations, policies and procedures.     Jobholder will perform all functions with the highest level of professional conduct and ethics.



  • High School Diploma
  • Good verbal skills
  • Professional and friendly manner
  • Proficient computer skills
  • Ability to simultaneously handle multiple transactions
  • Satisfactory Driving Record
  • Ability to lift and carry objects up to 20 pounds, and stand and sit for long periods of time.


  • Some banking experience


  • Processing customer transactions within prescribed Teller Standards and procedures including deposits, withdrawals, loan payments, tax deposits, opening and closing accounts, check cashing, etc.
  • Balance and maintain cash drawer
  • Communicate effectively and efficiently with customer, staff, and branch management
  • Assist customers and staff with problems and make a concentrated effort to solve problems
  • Participate and/or assist in the initial and ongoing training of account representatives
  • Other duties as assigned or needed.

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


Job Number:  3-2022
Mortgage Loan Originator
Division: First Federal Mortgage
Primary Location:  Holly Springs, NC
Non-Exempt  40 hours per week



First Federal Mortgage, a division of First Federal Bank is growing! We are looking for Mortgage Loan Officer to join the team in Holly Springs, NC. Holly Springs and the surrounding areas in Wake County are seeing explosive growth and the opportunity to grow successfully along with it has never been better!


First Federal Mortgage Loan Officers have access to a wide variety of competitive products consisting of  will have portfolio and secondary market products, construction-permanent, 100% financing and Jumbo lending programs. First Federal Mortgage has a local team to support loan originations efforts and the  backing of a local community bank that has been originating mortgage loans since 1959.

The ideal candidate for this exciting opportunity will have at least 3 years of mortgage lending experience and a solid book of referral business.


First Federal Bank offers a full array of benefits and  has a Mortgage Loan Production Office in a premier location in downtown Holly Springs.

This position requires National Mortgage Licensing System (NMLS)

registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z.

Candidates will be subject to the required registration process,

which includes a criminal background and credit check. Failure to meet

or maintain any of the NMLS registration requirements, including

maintaining a satisfactory criminal and credit record may result in

rescission of offer or termination of employment.



The Mortgage Loan Originator proactively solicits new residential mortgage business and sells mortgage products to meet established loan quality and production goals.


  • Identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
  • Responds to customer inquiries and referrals that are generated from their own contacts as well as branch referrals.
  • Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information.
  • Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.
  • Develops and cultivates self-generated referral sources and partnerships with retail branches.
  • Maintains current knowledge of trends and developments in local real estate market as well as regulations concerning residential mortgage lending.
  • Manages mortgage pipeline, assisting customers, inputting applications, and reviewing financial and credit data.
  • Prepares marketing plans and cross sells other bank products and services.
  • Provides service and oversees all actions during the loan origination process for managing the relationship with the customer ensuring that the mortgage loan closes based upon mutually acceptable terms.
  • Solicits customers and originates mortgage loans, interviews applicants to obtain pertinent information regarding their loan needs; initiates the lending decision process.
  • Studies and evaluates new activities, policies, programs, services and markets related to business development strategy.
  • Works with team members in Mortgage Department and other departments to provide information for prompt processing and closing of residential mortgage loan applications.


  • Bachelor’s degree with 3 years experience in mortgage lending, credit and business development.
  • Familiar with Conventional, FHA, USDA, VA Lending and also HUD guidelines.
  • Advanced financial analysts, strong credit underwriting and analytical skills.
  • Knowledge of conventional and/or government guidelines.
  • Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending.
  • Strong network with centers of influence including realtors and builders.
  • Ability to handle confidential and proprietary information.
  • Ability to travel within specified region.
  • Excellent communication skills, oral and written.


Job Number: 7-2022
On Call – P/T Teller
Location:  All Branches
Non-Exempt   15-29 hours per week  (as needed)



The On Call Part Time Teller will be responsible for being scheduled as needed to fill in during the week. Position will require a flexible work schedule. Provide excellent service to clients 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.


  • Process financial transactions promptly and accurately
  • Strictly adhere to all bank policies and procedures
  • Prioritize client demands
  • Provide impeccable customer service
  • Communicate professionally with all clients and colleagues
  • Uphold understanding of all banking products and services, along with company systems and procedures.


  • High school diploma or general education degree (GED)
  • Strong people skills
  • Proficient oral and written communication skills
  • Proficient computer and keyboard skills
  • Ability to work 15-29 hours per week (as needed)
  • Objectively handle, process, and secure sensitive information and communications
  • Able to travel to all branches

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


Job ID:  10-2022
Job Title:  Account Representative (Teller)
Location: Fuquay


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 15 pounds.



Job ID: 12-2022
Job Title:  Commercial Loan Processor
Division/Department: Credit Administration

Reports To: Chief Credit Officer

Work Location: Corporate Office or as assigned

Work Station/Office ID Number: 23

Supervises: N/A

Job/Benefits Eligible Classification: Full-time, 40+ hours, full company benefits

FLSA Classification: Non-Exempt, 40+ hours


Job Summary and Primary Job Objective

Jobholder will provide primary support for the Chief Credit Officer, Director of Commercial Banking and Commercial Loan Officers and other business development staff by assisting through numerous tasks such as authoring loan documents for loan closing, issuing lending checks to customers, completing post-closing checklists to ensure all documents are properly executed, perfecting collateral liens through recording of documents, and submitting completed documents to Loan Servicing for entry into the loan data system.

Functional Time Apportionment: Processing/Closing Commercial Loans and Administrative


Performs Commercial Lending processing, closing and administrative duties including:

  1. Obtaining necessary information and documents to process approved commercial loans, loan renewals, and modifications. Such documents might include, CIP information, MLA and SCRA status, operating agreements or by laws, insurance, UCC searches, and bill of sale, and all other necessary documents.
  2. Preparing commitment letters for commercial loans.
  3. Ordering flood hazard determinations and Equiguard Insurance Policies via ESA. Ordering and maintaining log for appraisal and evaluation requests.
  4. Sending title requests to attorney’s, scheduling closings, resolving closing related issues, and corresponding with attorney’s and borrowers.
  5. Reviewing and approving HUD Settlement Statements and Title Commitments.
  6. Creating portfolios in FISERV system for non-existing customers and guarantors related to a loan closing.
  7. Compiling, processing, and preparing loan closing document packages for commercial real estate and non-real estate loans in accordance with loan approval conditions and sending them to attorney’s office or respective lender.
  8. Compiling, processing, and preparing loan closing document packages for consumer real estate loans in accordance with loan approval conditions and sending them to attorney’s office or respective lender.
  9. Reviewing all signed closing documents to fund closings via check, wire, or TMS transfer and expensing bank-paid fees through TMS.
  10. Assembling loan packages post-closing according to checklist and completing routing sheet to forward to Loan Servicing for uploading.
  11. Preparing loan renewal or modification documents and coordinating the signing of documents and collection of fees with lending officers and attorney’s offices when needed.
  12. Completing loan file documentation reviews on all commercial loans and real estate secured consumer loans and prepare follow-up, pending “tickler” reminders for pending items.
  13. Maintaining Pending Report that includes items outstanding from loan file documentation review. Update status of ticklers and image, index and file items as they are received.
  14. Organizing and imaging of credit file documentation from approved and booked loans.
  15. Completing reports as needed to maintain records for appraisals and evaluations.
  16. Reconciling and remitting invoices on the Appraisal Log as received from Dart, Integration 4.0, SiteTech / Streamline Evaluations, and Equiguard.
  17. Completing collateral release worksheets as requested based on previously approved terms and fees.
  18. Servicing commercial loan and deposit accounts. Such duties may involve pulling and managing the NSF report and matured CD accounts daily. Other servicing items or handled as requested or needed.
  19. Reviewing and packing commercial loan payment, past due, and matured statements.
  20. Contacting overdrawn or delinquent customers.
  21. Assisting with consumer processing and underwriting upon request.
  22. Composing and typing memorandums, letters, forms, reports, etc.
  23. Ensuring that all procedures and activities are done in conjunction with appropriate regulatory, compliance and internal policies (as applicable).
  24. Assisting with compliance efforts as appropriate and designated.
  25. Providing exemplary customer service in support of Bank lending objectives.
  26. Regularly communicating with Manager in the manner and time frame required by the Manager
  27. Providing information and performing additional duties as requested.
  28. Answering telephone; taking and relaying messages; directing caller to appropriate individual.


  1. Prior experience in a lending or credit administration environment (experience processing and reading/understanding loan documentation) required.
  2. Ability to interact with clients to obtain information required for loan documentation as well as obtains routine financial data.
  3. Ability to meet strict deadlines, multi-task, and work with other departments as well as external customers to achieve required results.
  4. Excellent communication and writing skills.
  5. Proficient computer and system navigation skills.
  6. Knowledge of and moderate proficiency in Microsoft Windows, Word and Excel computer application programs.
  7. Good understanding of office procedures and equipment.
  8. Excellent attention to details.
  9. High level of accuracy and production.
  10. Excellent written and oral communication skills.
  11. Excellent organizational, prioritization and follow-through skills.
  12. Demonstrates trustworthiness, dependability, reliability, stability, accountability, adaptability to change.
  13. Adheres to Bank personnel policies and practices.


  • Previous experience in processing and closing commercial loans
  • Minimum of three (3) years relevant work experience preferred


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



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

We will review resumes for qualification; however, you must complete an on-line application to be considered an applicant for the position. Click “Get Started Now!” or forward inquiries and resumes/letters of introduction to human.resources@firstfederalbanknc.com or fax to 910-892-8435.


First Federal Bank Hiring Policies

Conducting Background Checks

First Federal will make every effort to interview qualified applicants. We reserve the right to conduct background checks which may also include accessing your credit report.


Equal Opportunity Policy

It is the policy of FFB to provide equal employment opportunities without regard to race, color, religion, gender, age or national origin. The policy relates to all phases of employment including: recruiting, hiring, benefits and privileges of employment, compensation, training, and appointments for advancement, transfers, relocations and terminations of employment for all employees without discrimination because of race, color, religion, national origin, sex, age, disability, veteran status, pregnancy, genetic information, or other legally protected status.

FFB provides the material contained herein for information purposes only. All open jobs offered by FFB are subject to specific job skill requirements, qualifications and preferred experience. FFB is an equal opportunity employer. All hiring decisions are subject to federal, state, and local employment laws and regulations, including immigration laws pertaining to work authorization requirements and any other applicable permissions or compliance.

Personal information voluntarily submitted will be maintained by Human Resources and used by FFB its intended purpose. Submitting a resume to FFB implies that you are interested in a position(s), but does not mean that you are an applicant or that you will be considered as an applicant for a position(s). To be considered as an applicant for the position, you must access and complete the on-line application within the “open application period”.

FFB reserves the right to make changes to this site at any time and without notice, and makes no commitment to update this site.


Equal Opportunity Employer

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