Banking Positions


Loan Services Representative II

FUNCTION:

Responsible for payment of items escrowed for mortgage customers; verifying payment of real estate taxes for those accounts that do not escrow; processing of daily mail payments and balancing all transaction items to be forwarded to the Proof Department; verifying that new loan information input to the core is accurate; scanning and indexing loan files to the document imaging system. Handling customer phone calls to answer questions, resolve problems, etc.

GENERAL DUTIES AND RESPONSIBILITIES:

  1. Daily processing of mail payments and distribution of loan reports.
  2. Prepare transactions to be forwarded to Proof Department.
  3. Verification to New Loan Edit of loans input by other Loan Services Representatives.
  4. Monitor and disburse taxes, homeowners and PMI insurance for escrow accounts. Update records on the core system.
  5. Monitor non-escrow customer accounts for proof of tax payments.
  6. Verification of correct ordering of coupon books via download from the core; deleting or altering the file when required.
  7. Scan and index loan files. Verify imaged file is accurately scanned. Sort loan documentation to be retained in file.
  8. Process Documents for Payment and Wires for commercial customers.
  9. Serves as telephone contact for Loan Services. Researches and solves unusual customer requests.
  10. Computing and processing Consumer, Commercial, and Mortgage loan pay-off amounts. Researching to determine legal fees, proper fees to release liens, and if collateral should continue to be held for another QNB loan.
  11. Assisting customer inquiries for proper re-application of payments, ability to pre-pay loan accounts, change in automatic payment cycles, explaining statement items, and all other systems related questions customers may have.
  12. Liaison for consumer loan life, accident, and health insurance claims for borrowers. Reconciling and remitting of new premiums and refunds.
  13. Preparing satisfaction pieces and financing statement terminations. Processing Release of Mortgage documentation. Forwarding paid documentation to customers. Monitoring commercial and consumer lines to verify restriction of lines prior to the satisfaction of collateral.
  14. Performs various maintenance functions on the core including input of recording information consumer loan mortgages and proper credit bureau codes for closed lines.
  15. Verifying satisfaction fees paid and reconciling G/L satisfaction fee account.
  16. Research and respond to credit bureau disputes via E-Oscar web-based technology.
  17. Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.
  18. Assuming other job-related duties as requested.

REQUIRED TRAINING, EXPERIENCE AND EDUCATION:

  1. Interpersonal skills to represent the Bank in a positive way when dealing with both internal and external customers.
  2. High School Diploma or equivalent.
  3. Basic math skills
  4. Keyboarding skills
  5. Skilled in 10 key adding machine functions.

PREFERRED TRAINING, EXPERIENCE AND EDUCATION:

  1. Experience with Jack Henry Silverlake.
  2. Working knowledge of Microsoft Office Applications (Word, Excel, Outlook)
  3. Previous experience in Loan Services/Operations.
  4. Accounting I

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Full Time Universal Banker

Current available position is in Warminster.

FUNCTION:

The Universal Banker assumes shared responsibility for the efficient and effective operations of QNB’s Warminster Office, performs various administrative duties in support of the branch banking function, and provides support to the Relationship Managers to contribute to the overall efficient operation of loan production.

GENERAL DUTIES AND RESPONSIBILITIES:

  1. Service the daily needs of customers, including the following:
    • Assist customers in opening, analyzing, and managing their deposit accounts.
    • Resolve customer issues in a positive and efficient manner. 
    • Ensure that operating policies and procedures are followed.
    • Identify customer concerns and work with other departments in the Bank to maintain customer satisfaction.
  2. Models Q2 Service and Sales programs with creativity and energy such that goals are achieved, and quality standards are met or exceeded. Takes personal initiative and is a positive example for others to emulate.
  3. Builds customer relationships while representing QNB to the customer in a courteous, confidential, and professional manner. Providing prompt, efficient, and accurate service through consultative selling and cross-selling in a positive manner.
  4. Serve as the liaison between the Branch Administration and Lending Department.
  5. Opens, closes, and services every type of deposit product. Includes taking and disbursing consumer and commercial loans.
  6. Perform branch functions requiring an in-depth knowledge of branch transactions. Ensures daily office settlement.
  7. Supportive of community through involvement and participation in local volunteer and/or charitable organizations.
  8. Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.
  9. Assume other job-related duties as required.

REQUIRED TRAINING, EXPERIENCE AND EDUCATION:

  1. Interpersonal skills to represent the Bank in a positive way when dealing with both internal and external customers.
  2. Ability to solve problems and carry on with minimal supervision.
  3. High School diploma and three years of progressively more responsible experience within a financial organization to gain the necessary experience and background knowledge.
  4. Strong oral and written communication skills that model QNB’s service and sales efforts; including the ability to identify and fulfill customers' current and future needs.
  5. Must have strong product knowledge and actively champion Q2 Service and Sales, referrals and product campaigns.
  6. Fulfill QNB compliance in operations and security procedures by adhering to government regulations, QNB policy, and established procedures.
  7. Working knowledge of MS-Suite and various banking platforms.
  8. Previous consumer loan and/or customer service experience.
  9. Strong organizational and time management skills.
  10. This position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.
  11. Completion of National Notary Association courses and maintain active PA Notary.

PREFERRED TRAINING, EXPERIENCE AND EDUCATION:

  1. Knowledge of Commercial Loan documentation.
  2. Previous Commercial Lending or Credit department experience.
  3. Familiarity with the QNB’s FSR, platform, and consumer loan application taking policies, procedures and guidelines.
  4. Familiarity with QNB’s Q2 service and sales as well as product knowledge.
  5. Courses such as ABA Principles of Banking, Banking Fundamental, and Consumer Lending

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Full Time Senior Financial Services Representative

FUNCTION:

The Senior FSR supervises and directs the workflow of the teller/customer service area.

GENERAL DUTIES AND RESPONSIBILITIES:

  1. Models Q2 Service and Sales program with creativity and energy such that goals are achieved and quality standards are met or exceeded. Takes personal initiative and is a positive example for others to emulate.
  2. Responsible for directing the workflow of the customer service counter. Including oversight, development, and coaching of staff in order to ensure the on-going level of productivity and customer service, as well as fair and equitable distribution of work assignments.  Ensures daily office settlement.
  3. Builds customer relationships by being accountable for representing QNB to the customer in a courteous, confidential, and professional manner, and for providing prompt efficient and accurate service in processing transactions through consultative selling and cross-selling in a positive manner.
  4. Evaluates customer needs through the use of open-ended questions and refers customers to the appropriate resource.
  5. Opens, closes, and services every type of deposit product at various branch locations.
  6. Take and disburse consumer loans as necessary. 
  7. Perform branch functions requiring an in-depth knowledge of branch transactions. Functions may include but are not limited to: service all new deposit products, preparing CTR reports, prepare cash shipment, service ATM, accepting loan applications and ascertaining customer’s needs.
  8. Ensures that prescribed schedules and operating policies and procedures are followed. 
  9. Assists in the training of personnel and may be a member of a committee (i.e. IRA Power User) and train personnel on the information obtained from attending committee meetings.
  10. Assists in making recommendations regarding performance ratings for FSRs.
  11. Able to run the branch in the absence of the Branch Manager and Assistant Manager in and effective and professional manner.  Opening and closing the branch as needed.
  12. Models QNB’s Sales and Services Excellence. Takes personal initiative and is a positive example for others to emulate.
  13. Able to relate to other people beyond giving and receiving instructions.
  14. Available to present at QNB General Product Knowledge workshops and Q2 Service and Sales meetings as necessary.
  15. Completes assigned compliance training in a timely manner and demonstrates the ability to apply training to their duties and responsibilities including their supervision of other employees.
  16. Assumes additional job-related duties as requested.

REQUIRED TRAINING, EXPERIENCE AND EDUCATION:

  1. Must be proficient in all aspects of job.
  2. Recommendation to be promoted into this position by the Branch Manager and SVP Retail.
  3. Successful in motivating team members in all aspects of QNB’s Service Excellence.
  4. Ability to lift and maneuver 25-30 pound coin bags.
  5. Communication skills that model QNB’s sales efforts; including the ability to identify and fulfill customers' current and future needs.
  6. Requires basic reading, writing and arithmetic skills. Completion of high school, vocational training or equivalent. (Completion of some college courses preferred but not required.)
  7. Must have strong product knowledge and actively champion and coach for Q2 Sales and Service, referrals and product campaigns.
  8. Fulfill QNB compliance in operations and security procedures by adhering to government regulations, QNB policy, and established procedures.
  9. Successful completion of any two PBA courses as recommend by Branch Manager (final grade of “C” or higher).
  10. Must fulfill re-certification of FSRII checklist requirements annually.
  11. Supervisory experience.
  12. This position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. 

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to grasp objects; reach with hands and arms; balance, stoop, kneel, or crouch; speak or listen. The employee must occasionally lift and/or carry up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

WORKPLACE ENVIRONMENT:

Work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The position may require some travel for conferences, committee meetings, and other Bank activities or events. Regular and predictable attendance is required. Ability to work weekends and overtime as requested.

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Full and Part Time Financial Services Representatives (Teller)

GENERAL DUTIES AND RESPONSIBILITIES:

  1. Models Q2 Service and Sales programs with creativity and energy such that goals are achieved and quality standards are met or exceeded. Takes personal initiative and is a positive example for others to emulate.
  2. Builds customer relationships by being accountable for representing QNB to the customer in a courteous, confidential, and professional manner, and for providing prompt efficient and accurate service in processing transactions through consultative selling and cross-selling in a positive manner.
  3. Cross-sells deposit and loan products and refers customers to appropriate person or department.
  4. Performs paying and receiving teller functions accurately and balances cash drawer at the end of the day.
  5. Must be proficient in all aspects of the role of Financial Service Representative.
  6. Able to relate to other people beyond giving and receiving instructions.
  7. Must have strong QNB product knowledge and actively champion QNB Service and Sales, referral and product campaigns.
  8. Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.
  9. Assumes additional job-related duties as requested including the ability to work at any branch location.

REQUIRED TRAINING, EXPERIENCE AND EDUCATION:

  1. Regularly required to stand for prolonged periods of time – all day if necessary.
  2. Successful experience working with customers and co-workers.
  3. Must complete basic FSR training and new accounts training within the first 6 months of employment.
  4. Must complete FSR certification requirement within 18 months of hire.
  5. Ability to lift and maneuver 25-50 pound coin bags.
  6. Communication skills that model QNB’s sales efforts; including the ability to identify and fulfill customers' current and future needs.
  7. Requires basic reading, writing and arithmetic skills. Completion of high school, vocational training or equivalent.
  8. Fulfill QNB compliance in operations and security by adhering to government regulations, QNB policy, and established procedures.
  9. Must successfully complete Banking Fundamentals within the first 18 months of employment (grade of C or higher).
  10. Must fulfill re-certification requirements for FSR annually.

DESIRABLE KNOWLEDGE, ABILITIES AND SKILLS:

  1. Operate an on-line teller terminal and other standard office equipment, including an adding machine and possess keyboarding skills and have a comfort with standard computer skills (i.e. Outlook, Word, and Excel).
  2. Previous or current bank experience desired, but not required.

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Email your resume to HR@QNBbank.com

**All resumes must be in Word or PDF format only**

Applications are available at our Towne Bank Center, 320 W Broad St., Quakertown, PA

Or send resume to:

Attn: Human Resources Department
QNB Bank
P.O. Box 9005
Quakertown PA 18951-9005