Careers

Proudly serving our customers since 1935.

Interested in joining our team of banking professionals?

We offer a competitive salary and comprehensive benefit packages including paid time off, 401(k) matching retirement plan, health insurance and educational assistance.

Credit Analyst 1 (Sheridan WY)

Experience: 6 months to 2 years of similar or related experience, including preparatory experience

Education/ Certifications/ Licenses: College degree preferred

Wage/Salary: Based on experience

Major Duties and Responsibilities

Complete credit analysis with most credits considered to be less complex (one entity/one guarantor or direct obligation). Analysis to include but is not limited to:

• Spread and analyze financial information to determine the degree of risk associated with lending opportunities such as cash flow/repayment ability and financial trends and key ratios analysis
• Using the five C’s of credit (Character, Capacity, Capital, Collateral & Conditions) – identify strengths and weaknesses of existing and potential clients to include Management capabilities, Management succession, ability to repay, secondary and tertiary repayment sources, acceptable collateral position, and industry comparisons of risks and trends
• Risk assessment by focusing on credit quality, determine if the degree of risk is acceptable to move forward with the lending request, and recommend a risk grade in accordance with policy
• Preparing the loan authorization report (credit write-up) in a timely manner to be submitted to the appropriate approval authority, and recommend and assist with the structure of loan requests
• Serve as a point of contact for loan officers, processors, and clients
• Participate in joint customer calls and/or inspections with loan officers and assist in soliciting, developing and maintaining profitable banking relationships
• Prepare annual reviews of client relationships and maintain file integrity
• Prepare work papers for auditors and examiners

Must provide exceptional customer service and 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.

Mortgage Loan Officer II Full-time (Billings MT)

Experience: 5-10 years of similar or related experience, including preparatory experience

Education/ Certifications/ Licenses: A 2-year college degree or completion of a specialized course of study at a business or trade school requiring approximately 64 credit hours

Wage/Salary: Based on experience

Major Duties and Responsibilities

• Responsible for real estate loans, including secondary market loans, portfolio loans, construction and equity loans
• Complies with all bank policies and regulations
• High level of computer literacy
• Basic knowledge and ability to use banks core operating system
• Engage in marketing efforts to increase business, client & referral business
• Strong analytical skills, combined with sound judgment and decision-making abilities
• Obtain and analyze financial and credit data
• Work with the processors and underwriters to facilitate the quick and smooth closing of all transactions
• Utilize lock desk specific to loan programs and ensure pricing conforms to Mortgage Loan Committee
• Ensure compliance to applicable regulations and keeps up to date on all changes in real estate regulations and lending requirements
• Participate in community events and service
• Cross sell other bank products and services
• Attend training and bank meetings to stay up to date on FHA/VA/USDA/Conventional/Portfolio changes & guidelines
• Manage loan portfolio and attend weekly pipeline meetings
• Responsible for past due loans up to 30 days
• Interface with other departments as necessary to ensure the smooth operation and growth of the operation
• Backup responsibilities for consumer lender
• High level of professionalism and ability to maintain confidentiality
• Communicates challenges and opportunities to manager
• Ensure that an environment of teamwork is always maintained

Must provide exceptional customer service and 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.

Please send resume to:

Wendy Gnehm, Human Resources Manager

wgnehm@efirstfederal.com

1043 Coffeen Ave, Sheridan, WY 82801

We are an 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.