Branch Manager I/Loan Officer

First United National Bank; New Bethlehem (PA); On-site; USD 65,000 - 90,000; Full time

Job summary

First United National Bank seeks a Branch Manager I to oversee daily branch operations, staff leadership, and customer service excellence in New Bethlehem, PA. The role focuses on growing revenues, managing loans, and maintaining regulatory compliance.

The ideal candidate will lead by example, mentor staff, and build a robust referral network with local businesses and real estate professionals to drive lending opportunities and client satisfaction.

Qualifications

• Bachelor's degree preferred in Business Administration or related field.
• Minimum 3 years as a Loan Officer and 5 years banking experience preferred.
• Strong leadership, communication and interpersonal skills to motivate a team.
• Able to interpret government regulations and legal documents.

Responsibilities

• Leads, coaches and mentors branch staff to ensure service excellence and operational efficiency.
• Builds and maintains relationships with customers, local businesses, community organizations and stakeholders.
• Monitors branch performance metrics and takes proactive measures for improvement.
• Ensures compliance with banking regulations, policies and procedures; adheres to risk management.
• Oversees cash management, transaction processing and security procedures.
• Conducts staff meetings, performance reviews and training sessions.
• Originates, underwrites and processes consumer and business loans per policies and regulatory requirements.
• Performs thorough credit analyses of loan applications using financials, tax returns and collateral.
• Structures loan transactions and presents recommendations for approval.
• Provides exceptional customer service throughout loan origination and closing processes.
• Monitors loan portfolio performance to mitigate risk and losses.
• Builds relationships with realtors, builders, attorneys, and other referral sources.

Skills

Leadership

Coaching

Relationship building

Customer service

Team motivation

Staff development

Financial analysis

Problem solving

Compliance

Communication

Education

Bachelor's degree in Business Administration or related field

Tools

Microsoft Office

Lending software

Core banking system

Job description

Description

Summary:

The Branch Manager I oversees the operation of the branch including managing resources and staff, delivering customer service and growing the location's revenues. They are also responsible for continually identifying, developing and maintaining a quality network of business and other relationships that serve as a recurring source of referrals for new lending opportunities.

Essential Functions & Responsibilities:

• Leads, coaches and mentors branch staff to ensure service excellence and operational efficiency.
• Builds and maintains strong relationships with customers, local businesses, community organizations and other stakeholders to enhance the bank's presence and reputation in the community.
• Monitors branch performance metrics, such as deposit growth and loan volume, and takes proactive measures to address areas of improvement.
• Ensures compliance with banking regulations, policies and procedures and adheres to risk management and security protocols.
• Oversees the branch's operational activities, including cash management, transaction processing and security procedures, to maintain a safe and efficient work environment.
• Conducts regular staff meetings, performance reviews and training sessions.
• Originates, underwrites and processes consumer and business loans in accordance with bank policies, underwriting guidelines and regulatory requirements.
• Conducts thorough credit analyses of loan applications, including financial statements, tax returns, credit reports and collateral documentation, to assess creditworthiness and repayment capacity.
• Structures loan transactions and presents recommendations to management for approval, ensuring alignment with risk tolerance and credit policies.
• Provides exceptional customer service throughout the loan origination process, guiding customers through application, documentation and closing procedures with professionalism and responsiveness.
• Monitors loan portfolio performance, including delinquencies, defaults and credit quality trends, and takes proactive measures to mitigate risk and minimize losses.
• Builds and maintains relationships with realtors, builders, attorneys and other referral sources to generate leads and expand the bank’s portfolio.
• Maintains a professional relationship with internal customers; demonstrates strong interpersonal skills with the ability to work independently, as well as motivate to work as a team player to contribute to the success of the organization.
• Works cooperatively with Audit to conduct internal Branch audits.
• Fosters a positive work environment and promotes employee engagement and satisfaction.
• Completes annual required training within communicated timeframes.
• Assumes additional responsibilities as needed.

Pay is commensurate with relevant experience.

Requirements

Education & Experience:

• Bachelor's degree in Business Administration or related field preferred.
• Minimum of 3 years of Loan Officer and 5 years of banking experience preferred.
• Strong leadership, communication and interpersonal skills, with ability to motivate and inspire a team to achieve common goals.
• Excellent ability to define problems, collect data, establish facts, draw objective conclusions and interpret government regulations and legal documents.
• Ability to maintain confidentiality; handle sensitive information with discretion.
• Advanced knowledge of Microsoft Office (Word, Excel & Outlook) as well as lending software and core system.

Physical Requirements:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Office Setting.
• Adequate vision for significant amount of computer work.
• Required to stand, walk and sit; talk and hear (both in person and by telephone); repetitive use of hands and fingers to handle or feel objects or controls; reach with hands and arms.
• Occasional lifting.