Careers

Build your career with us.

If you’re looking for a rewarding career with an institution that’s not only interested in your success, but dedicated to helping fuel it, you’ve come to the right place.

Discover what we can offer you.

Positions

Sr. Mortgage DE Underwriter
SMU
West Chester PA

Required Education and Experience

  • Ten (10) years of Direct Endorsement Mortgage underwriting experience.
  • Proficient problem solving, communication and servicing skill in interaction with employees and with ability to exercise flexibility in addressing issues.
  • Detail oriented combined with strong organizational and time management skills required. Ability to Work with high degree of accuracy and quality in a high volume atmosphere.
  • Technical competency required in Calyx Loan Origination System, Word and Excel.

Summary of Position

The Sr. Mortgage DE Underwriter working in conjunction with the Director of Mortgage Lending is responsible for reviewing, approving and denying residential mortgage loan applications. The Senior Underwriter will evaluate the borrower’s ability to repay a loan; review loan file documentation for completeness and check for red flags fraud alerts. Evaluates credit history to ensure it meets guidelines requirements. Verifies income and employment information, evaluates value of borrowers’ collateral and assets. Ensures the property specification and loan terms meet Secondary Market requirements, HUD/FHA agency guidelines, as well as regulatory requirements. Assesses degree of risk and documents loan file with reason for final decision. Trains underwriting staff on new loan programs and Secondary Market guidelines changes.

Essential Job Functions

  • Possess excellent analytical skills with solid math and auditing skills.
  • Possess' FHA Direct Endorsement (DE) designation.
  • Possess excellent research and decision-making ability.
  • Ability to work accurately under deadline pressures.
  • Knowledge of regulations regarding mortgage lending.
  • Excellent knowledge of Fannie Mae, Freddie Mac and FHA guidelines.
  • Knowledge of automated underwriting system (DU and LP).
  • Computer skills, proficiency with WORD and Excel.
  • Ability to provide alternative upon loan denial.
  • Work independently.

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

Senior Underwriter
SUW
West Chester PA

Required Education and Experience

  • Five (5) or more years of Consumer Lending processing, underwriting and closing experience.
  • Proficient problem solving, communication and servicing skills in interactions with employees and customers with ability to exercise flexibility in addressing servicing issues.
  • Detail oriented combined with strong organizational and time management skills required. Ability to work with high degree of accuracy and quality in high a volume atmosphere
  • Technical competency required in Excel, Word and Easy Lender.

Summary of Position

  • The Senior Underwriter, working in conjunction with the Director of Mortgage Operations & Consumer Lending, is responsible for assisting in the oversight of DNB First’s Consumer Lending activity upon data entry from the branch network, reviewing, processing and closing of consumer credit applications of all loan types during the pre and post underwriting process. The Senior Underwriter ensures that all applications meet compliance and department guidelines, validating accuracy that loans have been properly entered into the Easy Lender application system, while supporting the processing, and in the preparation of loan documentation in accordance with bank policy and procedures. The Senior Underwriter renders sound credit decisions based on consumer credit authority of up to $50,000.

Essential Job Functions

  • Proficient in the use of the Easy Lender application system from point of data entry to preparation of loan documentation.
  • Prepares initial analysis of loan applications to determine qualification for further processing. Reviews and underwrite all submitted consumer loans consistent with DNB First processing and closing criteria.
  • Analyzes financial information presented as verification of income for loan application. Make changes as appropriate.
  • Prepares and verifies information on underwriting worksheet submitted with each loan.
  • Collects, verifies and analyzes financial information submitted for Small Business Loan/Line requests.
  • Orders search, appraisal and other information deemed necessary for the loan in accordance with processing procedures or as needed or requested by the department manager.
  • Tracks timely and accurate return of search and appraisal per service commitments.
  • Prepares and sends Adverse Action Notices to borrowers and notifies appropriate branch personnel regarding loan decision.
  • Prepares closing documentation and works with branch personnel coordinating and facilitating timely closings of each loan as needed by branch personnel and borrower.
  • Supports branch personnel in all aspects of the consumer lending process including training, answering questions and providing guidance.
  • Assists the department manager in the portfolio management of HELOC accounts due for maturity and assists in the review and renewal process.
  • Responsible for tracking of all credit expenditures and preparation of the timely payment of monthly credit and appraisal invoices.
  • Monitors all loans in the pipeline process such as pending and approved not closed activity.
  • Ensures that all loan files are disbursed properly in accordance with loan operations requirements after final decision.
  • Coordinates with builder/contractors and borrowers to process construction loan draws along with internal partner departments.
  • Recommends procedural revisions and calls to attention deficiencies or issues that could improve workflow and achieve improved servicing efficiencies.
  • Calls to attention Easy Lender system issues when known and contributes towards effective solutions.
  • Possesses working knowledge and understanding of consumer lending compliance regulations.

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

HMDA Manager
HMD
Downingtown PA

Job Requirements:

  • Strong interpersonal, written and verbal communication skills.
  • Strong technical skills: Word, Excel, Microsoft Office
  • Professional in demeanor with ability to maintain total discretion and confidentiality in all aspects of position.
  • Excellent research and problem solving skills.
  • Experienced in project management
  • Bachelor's Degree or commensurate working experience.

Duties And Responsibilities:

  1. Ensure daily compliance with all federal (Sarbanes-Oxley Act, Section 404) and state regulations.
  2. Directly manages HMDA and CRA processes and reporting including system administration, training and process and procedure development in the Credit Administration Department providing accurate and timely reviews, exports and submissions of all HMDA and CRA qualified loan applications and originations. Performs the following duties:
    1. Reviews all HMDA and CRA data entered into easyLENDER and exported to the respective LARS.
    2. Performs file reviews as necessary to insure the accurate reporting of all HMDA and CRA data..
    3. Identifies deficiencies and provides the appropriate level of training and support for lending staff to accurately complete data on the loan application level.
    4. Insures accuracy of system functionality within easyLENDER and the QuestSoft interface.
    5. Coordinates quarterly exports and imports of information and prepares annual submission to the Federal Reserve on or before March 1st each year.
    6. Researches compliance issues within HMDA and CRA regulations and implements changes to reporting processes in accordance with upcoming regulatory expansion.
    7. Conducts training for all retail and lending staff concerning HMDA and CRA policy and procedures including expanded regulatory requirements.
  3. Performs internal program system administration duties providing input, maintenance and security access to systems as assigned.
  4. Provides back-up to the Commercial Loan Doc Prep Specialist in the preparation of commercial loan documentation as needed.
  5. Provides back-up to the Post Closing Supervisor in the reviews of commercial loan files, adverse actions and HELOCs as requested.
  6. Assists the Post Closing Supervisor in processing paid loan collateral within regulatory timeframes to achieve established goals.
  7. Assists the Credit Administration Manager in easyLENDER system administration functions including new employee set-up, system and product specification changes, loan application purges and deletions, weekly rate updates for the calculation of High Price and High Cost loans, and monthly loan rate index updates.
  8. Implements strategies to achieve goals assigned to the department as established in the Credit Administration Division's operating plan.
  9. Insures that the department and all personnel adhere to established operating policies and procedures along with outside regulatory requirements.
  10. Communicates with the Credit Administration Manager, other department managers, appropriate staff personnel, and Senior Management when necessary, in order to integrate goals and activities.
  11. Provides periodic reports to the management and other groups as required throughout the bank.
  12. Keep informed of new compliance and regulatory issues as they occur and participate in loan compliance initiatives.
  13. Responds to inquiries relating to his/her particular area or to requests from other bank personnel, etc.
  14. Assists Credit Administration team with various administrative tasks to support unit operations, as directed may also be assigned special projects.

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

Compliance Officer
CCO
Downingtown PA

Job Requirements:

  • Excellent interpersonal, written, verbal and organizational skills.
  • Excellent project management, research and problem solving skills.
  • Excellent technical skills and prior system administration experience.
  • Strong background in all areas of bank compliance with an emphasis on consumer regulations affecting lending operations.
  • Understanding of HMDA and CRA Reporting Requirements and LAR management.
  • Thorough knowledge of all consumer regulations
  • Thorough knowledge of consumer loan regulations.
  • Knowledge of BSA, CIP and AML.
  • Bachelor's Degree or commensurate working experience.

Job Reporting Relationships:

This position reports to the Chief Risk Officer and is responsible for assisting in the design, implementation, and management of the Bank’s formal compliance program encompassing all of the organization’s policies, procedures, products and services. Manages the BSA Officer and HMDA Manager.

Duties And Responsibilities:

  • Develops and manages the bank’s compliance program; informs and educates lines of business, senior management and the Board of Directors on all compliance responsibilities. Works with outside consultants, as necessary, to manage this process.
  • Serves as an expert to provide compliance advice and guidance to business units, addressing unique or new compliance questions, development of new products and or delivery systems or modifying existing ones and identifying any compliance related issues and/or new compliance requirements.
  • Serves as bank’s representative to the federal and state regulators with respect to compliance. Assists with management of all regulatory compliance examinations. Prepares internal components for examinations, conducts post examination follow-up, prepares responses and oversees corrective actions.
  • Ensure daily compliance with all federal (Sarbanes-Oxley Act, Section 404) and state regulations.
  • Coordinate compliance activities, monitor regulatory updates, provide research and support to all areas of bank compliance. Perform annual process updates for Reg O and CRA as necessary.
  • Facilitate Compliance Committee and bank-wide Compliance Training Programs, including administration of the BAI Compliance Training Program. Report program results to Management and Audit Committee as required.
  • Supervises the monitoring and reporting of all ID Theft/Red Flag activities associated with consumer credit reports, assisting the BSA Officer in completing the initiatives of our internal ID Theft Monitoring Program.
  • Provide information necessary to facilitate all loan reviews, compliance monitoring reviews, internal audits and regulatory exams. Respond to findings and taking appropriate and immediate corrective actions.
  • Supervises the reconciliation of all HMDA and CRA data with staff members and Finance Department. As necessary, enters HMDA information.
  • Maintain regulatory compliance policies and prepare annual updates for Board approval. Insure that the department and all personnel adhere to established operating policies and procedures along with outside regulatory requirements.

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

SBA Lending Manager
SBA
East Falls PA

Skills:

Thorough knowledge of SBA SOP and current lending regulations; features and benefits of SBA loan products and services; bank operating policies and procedures which impact SBA and commercial loan services; ability to manage a large SBA loan portfolio; demonstrated management and supervisory skills. A B.S. or B.A. degree in a related field of study normally required; specialized bank SBA and commercial lending education and training.

Responsibilities:

  • Managing and developing the SBA Lending Program, within Commercial Lending Department including oversight of other SBA Relationship Managers and SBA Specialist;
  • Manage all aspects of SBA Application process including but not limited to: gathering of all necessary documents from SBA Applicants such as financial statements, tax returns, business plans, and required SBA information.
  • Responsible for obtaining SBA PLP and Express authority for the combined Bank and oversee all the Government Guaranteed Lending activities for the bank.
  • Responsible for processing all the SBA loan submissions to SBA as well as coordinating the loan closing with loan operations and attorney if necessary.
  • Review all the loan presentations prior to submission to Chief Lending Officer and/or loan committee.
  • Responsible for interaction with loan operations as well as bank counsel for closing aspects of approved loans
  • The selling of the guaranteed portion of the SBA loans.
  • Ensuring the department's compliance with the SBA’s SOP, the bank’s operating policies and procedures and outside regulatory requirements

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

Senior Loan Officer
SLO
West Chester  

Job Reporting Relationships:

Reports to the Director of Residential Mortgage & Consumer Lending.   Compensation is commission based with drawl.

 

Job Requirements:

  • College degree or high school diploma with 5 years residential mortgage origination experience.
  • Computer aptitude/experience
  • Mathematical aptitude
  • Knowledge in basic lending and credit markets
  • Strong oral, verbal, and written communications skills.
  • Ability to work well under pressure and time deadlines as well independently.
  • Demonstrated abilities in the areas of problem solving, analysis, and time management.
  • Interpersonal skill that forge professional relationships and support teamwork.
  • Desire to be the best.
 

Duties And Responsibilities:

  • Establish, develop and maintain client referral relationships with Realtors, Builders, Developers, CPA’s, Financial Planners and make calls on potential or existing customers in order to develop new business and/or retain existing business.
  • Keep informed local real estate market trends, changes and developments.
  • Be aware of what competitors are doing.
  • Keep up-to-date with changing rules, regulatory regulations and FNMA, FHLMC and FHA guidelines in addition to other investors and agency requirements.
  • Keep informed of all origination, processing, appraisal, underwriting and closing requirements for both the Bank and various investor guidelines pertaining to both governments insured and privately insured mortgages.
  • Ability to negotiate price, term and conditions with mortgages.
  • Coordinate customer interaction and interface with all parties involved on each individual loan that is originated from application to closing including, but not limited to:  
    • Counseling and pre-qualifying potential homebuyers;
    • Taking complete and accurate loan applications;
    • Obtaining all necessary support documents along with the appropriate fees and lock-in information;
    • Overseeing the loan process by monitoring loans status and ensuring conformity with term;
    • Assisting in collecting additional documents and promptly communicating loan status to all interested parties;
    • Obtaining loan documentation after closing as directed by corporate or senior management.
  • Maintain a professional image and standards consistent with company policies and procedures.
  • Follow through on all professional conditions and education requirements for state licensing.
  • Adhere to organizational procedures for loan processing.
  • Participate in department meetings that require attendance.
  •  

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

Premier Banking Advisor
PBA
Chadds Ford PA

Job Requirements:

  • Four-year college degree or equivalent banking experience with a minimum of three to five years of direct sales experience.
  • Strong sales skills; excellent interpersonal skills; superior customer relations skills combined with strong supervisory and management skills.
  • Thorough knowledge of features and benefits of all bank consumer products and services. Extensive background in bank operating policies and procedures that impact consumer services with a working knowledge of consumer services bank forms and documents used in opening accounts
  • Ability to analyze consumer and small business loans to advocate approvals/modifications.
  • Safe Act certified or successfully acquire SAFE Act certification within 45 days of employment with DNB First.

Duties And Responsibilities:

Responsible for working as an active member of the sales team; providing customers with direct service relating to all bank products; developing customer relationships to take advantage of additional selling and cross-selling opportunities; communicating with Branch Manager with respect to sales objectives, sales performance, sales coaching and other factors affecting the sales/service effort; providing required information on sales and service activities. Responsible for delivering a high-impact customer assessment and maximizing the cross-sell opportunities had with each client interaction. Meets targeted goals and defined minimum standard requirements for bank products and services while ensuring customer satisfaction.

Supports manager in staff management, ensuring customer service is maintained at high levels and achievement of sales goals and objectives; responsible for operating efficiency of the branch, assists senior teller in conducting branch audits.

  1. Works as an active member of the branch sales team as follows:
    1. Jointly establishes quantitative sales objectives, with assigned supervisor, on a weekly, monthly, quarterly and annual basis; this activity to be integrated with the office’s marketing/sales plan.
    2. Solicits new business from present and prospective customers; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.
    3. Conduct consistent call blocks on a daily and weekly basis and achieve appointment volume targets that support the bank’s core objectives.
    4. Monitors individual sales performance versus objectives on a daily, weekly and monthly basis utilizing the bank’s sales information system; discusses performance with appropriate supervisor on a frequent basis.
    5. Effectively leads sales meetings, morning huddles and production debriefs with branch staff in absence of a Branch Manager or as called upon by the Branch Manager.
  2. Functions in the role as lead member of the branch sales team and responsible for all branch operations in absence Branch Manager. Leads by example by meeting goals in all sales activities and supports, coaches and motivates team to exceed sales activity goals.
  3. Directly supervises the day-to-day operations of the platform and teller area. Provides supervision and training and ensures staff understanding of banking policies and procedures. Ensures compliance with operating policies, procedures and audit controls and efficient branch operations. Communicates with team on new policies and procedures.
  4. Maintains a thorough knowledge of the features and benefits of all bank products and services in order to ascertain customer needs and to sell in conjunction with these needs.
  5. Provides direct service to customers of the bank with respect to products and services and supplies pertinent information n other products and services.
  6. Provides full support to customers in obtaining specialized services from other bank departments as necessary; acts as primary contact for all customer requests.
  7. Prepares various forms and reports and provides information as requested from appropriate supervisor or department.
  8. Performs other related duties as assigned or directed.

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

Personal Banker
PBK
Lionville/Downingtown

Job Requirements:
Responsible for working as an active member of the retail sales team by completing documentation and performing point-of sale processing on all types of new accounts. Provides customers with direct service while taking advantage of selling and cross selling opportunities. Meets targeted goals and defined minimum standard requirements, as required, while ensuring customer satisfaction. Operates a teller terminal for a portion of work day. Processes customer and bank transactions; handles large sums of cash and maintains assigned cash limits in addition to drawer settlement. Cross-sells bank products in addition to performing other teller-related functions. Four-year college degree or equivalent banking experience combined with a minimum of two years of direct sales experience.

Apply for this position.
Please attach your resume and cover letter in a Word compatible file.

All DNB First employees/new hires must participate and successfully meet employment eligibility standards through our background screening and drug testing program as a condition of employment.

EEODNB First is an equal opportunity and affirmative action employer. DNB First does not discriminate on the basis of race, color, religion, age, gender, marital status, sexual orientation, national origin, disability, military status, veteran status or any other protected status.

How to Apply

To contact DNB First’s Human Resources Department:

  • E-mail your resume to employment@dnbfirst.com. (Attached in Word format or compatible).
  • Mail your resume to:
    DNB First
    Attention: Employment Administrator
    4 Brandywine Avenue
    Downingtown, PA 19335
  • Pick up an application at one of our DNB First locations.