Banking Positions

Commercial Lending Officer


  1. Interview loan applicants and collect and analyze financial data in order to determine the general creditworthiness of the prospect and the merits of the specific loan request.
  2. Negotiates, establishes terms, and approves loans within authority.
  3. Collect and analyze information which reflects the current creditworthiness of customers and the current merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, etc.
  4. Monitor loan repayment activities and take necessary action to collect from past due accounts.
  5. Develop new business by contacting prospects and customers. Also cross-sells Bank services.
  6. Develop material for and make loan presentations to the Executive Committee where required.
  7. Participate in community affairs to increase the Bank’s visibility.
  8. Completes assigned compliance training in a timely manner and demonstrates ability to apply training to their duties and responsibilities.
  9. Assumes additional responsibilities as requested.

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Loan Services Assistant Manager


Responsible for overseeing the daily functions of the Loan Services Department. Assist the department manager in managing and monitoring the workflow. Provide support within the department during peak periods or absence of staff.


  1. Supervise a limited number of Loan Services personnel, including establishment and review of job duties and evaluation of job performance.
  2. Serve as the department manager in his/her absence.
  3. Train or coordinate the training of new employees in the department.
  4. Cross train in other functions of the department to serve as backup when necessary.
  5. Cross train and oversee the function of monitoring flood insurance.
  6. Daily review of manual transactions, including Business Manager, and loan account maintenance.
  7. Prepare or review various general ledger/DDA reconcilements as assigned.
  8. Update loan index rates, as required, on the core system.
  9. Tracking of private mortgage insurance, including timely notification and cancellation.
  10. Timely filing of SBA reports.
  11. Assist in the processing of charge-offs, non-accruals and shadow accounts.  
  12. Assist with the annual core enhancement release testing. 
  13. Create and generate queries on the loan portfolio as requested.
  14. Develop and implement procedures as needed to efficiently and accurately process loan activity after loan origination. Recommend changes as appropriate.
  15. Handle customer service inquiries, issues and concerns internally as well as from the general public.
  16. 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.
  17. Member of various committees as assigned.
  18. Attend job related, software and/or compliance seminars when available.
  19. Performs other job-related duties as required.


  1. Minimum five years of experience in Loan Servicing.
  2. Associate degree in business management or accounting, or equivalent job experience.
  3. Previous supervisory experience preferred.
  4. Interpersonal skills to represent the Bank in a positive way when dealing with both internal and external customers.
  5. Ability to work independently with little or no direction.
  6. Advanced written and oral communication skills.
  7. Math skills.
  8. Keyboarding skills.
  9. Organization skills.


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.


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.


  1. Working knowledge of Microsoft Office Applications (Word, Excel, Outlook)
  2. Experience with Jack Henry loan applications.
  3. Working knowledge of QNB lending and loan policies and procedures.

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Mortgage Loan Officer


  1. Act as mortgage loan originator taking customer applications, and making contacts with realtors and outside agents to foster additional mortgage business. 
  2. Reviewing and recommending new methods and procedures to make daily operations more efficient.
  3. Ensuring that Consumer and Mortgage loans are reviewed for accuracy and completeness prior to approval.
  4. Ensuring Consumer and Mortgage underwriting meet compliance standards.
  5. When demand requires:
    • schedule appointments for Consumer Loan disbursements
    • disburse Consumer Loans
    • attend Mortgage settlements
  6. Keep informed on all changes in regulations and policies regarding consumer and residential mortgage lending and FHLMC requirements.
  7. Operate FHLMC automated underwriting system (Loan Prospector) to obtain credit reports and feedback certificates for mortgage requests.
  8. Conform all mortgage files, secure missing documentation and complete underwriting documents for saleable mortgages, subject to final approval by lender.
  9. Order Title Insurance and examine the title commitment report for irregularities. If further action is necessary, take the appropriate steps to expedite closure of the transaction. Review report with V.P. of Credit for final acceptance.
  10. Responsible for ascertaining that all disbursements on Construction Mortgages are made in accordance with established Bank policy and procedures by:
    • reviewing construction advance request
    • investigating and resolving inquiries from customers and contractors regarding construction disbursements and final inspections
    • maintaining continuous update and monitoring of disbursements
    • balance undisbursed loan proceeds with loan balances each month
    • monitor number of inspections performed and bill for additional inspections required
    • prepare and process computer entries
    • merge construction file with permanent documentation file after final disbursement
    • coordinate appointments for construction inspections with customers and inspector
  11. Responsible for the review, evaluation, and approval of retail loans within individual lending parameters as set by policy.
    • approving overrides or exceptions to policy for individual lenders
    • working with individual lenders to discuss problematic requests, concerns or policy questions
  12. Preparation of loan documentation for retail loans through the Laser Pro software package including:
    • training of staff to support this function when volume dictates
    • reviewing of documents prepared by staff members
  13. Coordinator for the Fair Lending Committee:
    • reviewing and evaluating individual files for quarterly Fair Lending meetings
    • preparing summary of files reviewed and outline any exceptions found
    • evaluating quarterly reports generated by Credit Desk and reporting findings/items of concern
    • scheduling meetings and keeping/retaining minutes of the meetings
  14. Maintain records to track payment of appraisals, searches, flood certifications and application fees. Responsible for the G/L reconcilements of these accounts.
  15. Administration of Consumer Credit by:
    • evaluating credit
    • preparing reports
    • training staff
    • inputting of final status of applications
    • preparing decline letters and counter-offers
  16. Prepare and review HMDA and CRA reporting:
    • inputting into system
    • maintaining reporting
    • comparing for accuracy prior to submission to FDIC
  17. Ensure compliance with Federal, State, and local laws.
  18. Assumes additional job-related duties as required.


  1. High school diploma.
  2. Minimum of five year's lending experience or college level courses in consumer lending.
  3. Working knowledge of computers.
  4. Knowledge of consumer compliance requirements.
  5. Ability to work some evenings and weekends if necessary.
  6. Requires interpersonal and communication skills to professionally represent QNB in our local communities.
  7. 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. 

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Full and Part Time Financial Services Representatives (Teller)

Current available positions are located in Quakertown and Dublin.


  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.


  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.


  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

**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