Goodyear, AZ

SBA Loan Underwriter

Description:

The primary role will be to assist with the credit analysis and underwriting function of government guaranteed loans.  This position reports directly to the SVP/SBA Department Manager and requires minimal supervision. 

Duties:

• Collect, analyze and evaluate financial and related data to determine credit worthiness of loan prospects, merit of the request and SBA/USDA eligibility.

• Ability to interpret financial statements, tax returns and projections. Perform analysis of cash flow, global cash flow, financial capacity and collateral requirements.

• Prepare high-quality, detailed credit approval documents that contain an in-depth analysis and an understanding and identification of credit issues and risks.

• Prepare and decision loan requests within established time-lines in accordance with the Bank’s Loan Policy and procedures.

• Consult with SVP/SBA Department Manager to recommend proper loan structuring that limits risk to the Bank.

• Order and review third-party reports, appraisals and valuations (real estate, equipment, business, etc.), environmental reports, IRS Transcripts, and CAIVRS as required.

• Prepare high quality annual term loan reviews.

• Work closely with Management to support efforts to meet lending goals and objectives.

• Maintain a satisfactory level of customer service to all (internal and external customers) and maintain satisfactory level of communication with all partners.

• Adhere to all compliance requirements established by Bank, including timely completion of online compliance training modules.

• Assist all partners (closing, portfolio, operations) in the closing and booking of government guaranteed loans. 

• Assist in all projects assigned that help improve and streamline the credit delivery process.

Knowledge, Skills, and Education Requirements:

• College degree in accounting, economics or finance preferred.

• Minimum 3-5 years SBA loan underwriting or commercial loan underwriting experience.

• Must possess strong credit and organizational skills, be able to meet deadlines, work well in pressure situations and possess advanced communication skills – listening, written and verbal.

• Working knowledge of SBA and USDA B&I policies, procedures and regulations.

• Organized, detail oriented and has the ability to complete multiple tasks effectively and in a timely manner.

• Ability to prioritize work and perform under limited supervision.

• Working knowledge of Windows, Microsoft Word, Excel and Outlook.

• Experience with FIS and SBA software platforms helpful.

• Ability to work well with co-workers at all levels of the organization.

• Commercial lending experience and working in a community bank environment a plus.

Physical Requirements:

Physical requirements include accurate keyboarding skills, manual dexterity sufficient to manipulate files and other documents, and vision sufficient to work extensively with computer display, handwritten and printed data.

Location(s):

• Goodyear or Lake Havasu City, AZ.
• Consider Remote working for qualified candidate.

Interested applicants should send their resume to carld@horizoncommunitybank.com. We are an EOE employer.

Ft. Mohave, AZ

Branch Manager

Description:

This position has total responsibility for the management of branch operations, including supervision of staff. Develops and implements, through teamwork, internal sales and marketing programs to achieve the branch goals in deposit growth, loan growth, profits, and retention. Evaluates and improves the overall performance of the branch with emphasis on quality customer service and sales goals achievement.

Duties:

• Maintains the highest level of customer satisfaction including scheduling to meet customer demand.

• Assists customers, answers inquiries, complies with requests, resolves complaints, determines needs, and sells bank products and services to meet customer needs.

• Consistently supports, leads, and participates in the marketing and sales programs.

• Responsible for all operational areas of the branch, including compliance with policies and procedures, certifications, branch audits, and branch safety and soundness.

• Performs all duties necessary related to the supervision of the following areas: teller line, new accounts, customer service, and loan production.

• Adheres to all regulatory requirements.

• Maintains an environment that fosters good employee morale and encourages employee excellence.  Always leads by example.

• Manages all branch personnel. Responsible for training and development, coaching and counseling, interviewing and hiring, approving disciplinary action and recommending terminations, transfers, promotions, performance evaluations and salary recommendations.

• Achieves branch performance, budget goals and profitability objectives through business development, customer service, and overall leadership of the branch.

• In coordination with the VP/Branch Operations Support, ensures proper control over functions of the branch, including implementation and explanation of programs, policies and objectives.  

• Evaluates and reviews branch operating procedures to ensure efficiency.

• Represents the company in various civic and community functions to further enhance its image and develop additional business.

• Carries out supervisory responsibilities in accordance with the Banks policies and applicable laws, ensuring adherence to all guidelines.

• Adheres to the General Duties and Responsibilities of Employees, as attached.

• Performs other duties as assigned.

Position Dimensions:

This position monitors the branch’s performance to ensure it is delivering quality customer service and functioning as efficiently as possible within audit standards. This position also supports the bank’s sales goals by developing and implementing sales and marketing programs.

Knowledge, Skills, and Education Requirements:

• A high school diploma or general education degree (GED) is required.

• A minimum of two to five years’ supervisory experience in a financial institution is required.

• Current teller, new accounts, and operations knowledge required

• Knowledge of loan products and processes required

• Experience in or extensive knowledge of branch operations with sales experience required.

• Application of concepts of basic accounting and the ability to calculate figures and amounts, such as interest and percentages, is required.

• Incumbent must be able to define problems, collect data, establish facts, and draw valid conclusions, as well as interpret an extensive variety of technical instructions and deal with abstract and concrete variables.

• The ability to investigate and solve problems, and to read, analyze, and interpret general technical procedures is essential.

• The ability to write a general business plan and/or correspondence, and effectively present information and respond to questions is required.

• Must be able to control, instruct, and supervise personnel, and to develop new business and cross sell bank products.

Physical Requirements:

This person requires the ability to effectively interact orally, visually, and in writing with employees, customers, and bank officers. In addition, the incumbent must demonstrate the strong ability to comprehend and retain detailed information, manual dexterity sufficient to manipulate files and other records for research or verification purposes. Vision must be sufficient to work extensively with computer display, handwritten information and printed forms, policies and procedures, and other data. This person must have the ability to respond to alarm calls after hours.

Interested applicants should send their resume to linh@horizoncommunitybank.com. We are an EOE employer.

Mesa, AZ

Description:

The ideal candidate will have a minimum of 6 months banking experience that includes opening new accounts combined with a strong aptitude for customer service and relationship building. In addition, individuals in this position should have knowledge of some advanced banking applications and should be able to refer clients to their appropriate business partners for more advanced relationship development.

Duties:

• Meet all requirements and performance standards for Universal Banker 1

• Completes all teller transactions, customer inquiries and Cash Handling Duties

• Maintains a safe working environment

• Knowledge of: On-line banking, bill pay, product knowledge and basic referring skills.

• Advanced new account openings of: checking, money market, savings dda, basic business dba’s, cd’s and IRA’s.

• Identify client’s needs and offer solutions.

• Knowledge of: Business LOC, Analysis accounts, SBA, C and I and consumer lending. RDC, RDA, Merchant services, cash management products.

Responsibilities:

• Comply With All Federal and State Banking Regulations

• Insures all BSA and Compliance regulations are adhered to

• Proven ability to Multi Task and Excels at Customer Service to Both Internal and External Clients

• Maintain a professional and courteous attitude with all people including fellow employees, customers, management, board members and outside vendors.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

• Builds Lasting Relationships with current clients and prospects

• Attends and participates in training courses and workshops

• Offers Solution based relationship management

• Refers advanced business lines To Internal Partners

• Meets established performance standards

• Assumes additional responsibilities as assigned

Physical Requirements:

The physical demands herein 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.

• Must be able to move and lift up to 50lbs. (full coin bags) to a height of 2-3 feet and bend approximately 45 degrees to empty coin bags into coin counter machine. Able to squat to retrieve cash and coin from teller cabinet.

• Ability to stand or sit 50% of the time.

• Must be able to walk around the bank to access file cabinets, office machinery and drive through teller window.

• Dexterity – constantly operates a computer and other office productivity machinery, such as; calculator, copy machine, and computer printers.

• Must frequently convey detailed or important information, ideas or instructions accurately and promptly.

• Must be able to hear normal conversations and exchange accurate information with customers.

Working Conditions:

General office environment

Interested applicants should send their resume to linh@horizoncommunitybank.com. We are an EOE employer.

Lake Havasu City, AZ

IT Help Desk Specialist

Description:

The IT Help Desk Specialist at Horizon Community Bank performs advanced clerical / technical support services. In this position the ideal candidate will have technical knowledge of network and PC hardware and IT security and patches. It requires a strong aptitude for customer service and relationship building. Assists the VP IT Manager in the overall Information Technology operations of the bank.

Duties:

• Assist in the daily frontline support of the IT Help Desk / Kaseya functions of the Bank.

• Assist in the review of log files and designated reports, escalating issues appropriately.

• Assist in the setup, maintenance, removal of user accounts in Active Directory.

• Assist in the setup, maintenance, and removal of user accounts in applications utilized by the Bank.

• Maintain user compliance, system assignment, and hardware inventory documentation.

• Assist in updating and troubleshooting of workstations, laptops, and all supporting peripherals and devices, escalating issues appropriately.

• Ensures all compliance with Information Technology and Information Security to mitigate the Bank’s risk and support satisfactory audits and exams.

• Assist in the troubleshooting of applications errors, escalating issues appropriately.

• Other duties and responsibilities as necessary and assigned.

Responsibilities:

• Comply With All Federal and State Banking Regulations

• Proven ability to Multitask

• Excels at Customer Service to Both Internal and External Clients

• Maintain a professional and courteous attitude with all people including fellow employees, customers, management, board members and outside vendors.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

• Attends and participates in training courses and webinars

• Grow and Learn and Participate

• Meets established performance standards

• Assumes additional responsibilities as assigned

Knowledge, Skills & Abilities:

The knowledge, skills & abilities described herein are 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.

• High school diploma or G.E.D is required

• College coursework in IT or 2 years equivalent work experience

• Ability to work with little supervision

• Must be dependable, flexible, a team player, have the ability to work in a fast paced environment and remain calm under pressure.

• Working knowledge of Windows, Microsoft word, Excel and Outlook and other software.

• Strong multitasking and communication skills

• Excellent organizational skills and detail oriented

• Hands-on hardware and software troubleshooting experience

• Ability to conduct research into technology issues and products as required

Physical Requirements:

The physical demands herein 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.

• Must be able to move and lift up to 50lbs. to a height of 2-3 feet. Able to squat and bend approximately 45 degrees to retrieve or connect computer machinery.

• Ability to stand or sit 50% of the time.

• Must be able to walk around the bank to access file cabinets and office machinery.

• Dexterity – constantly operates a computer and other office productivity machinery, such as; calculator, keyboard, mouse, copy machine, and computer printers.

• Must frequently convey detailed or important information, ideas or instructions accurately and promptly.

• Must be able to hear normal conversations and exchange accurate information with customers.

• Vision sufficient to work extensively with computer display, handwritten and printed data.

Working Conditions:

General office environment

Interested applicants should send their resume to scotto@horizoncommunitybank.com We are an EOE employer.

Quartzsite, AZ

Universal Banker 1 - Full Time

Description: The Universal Banker 1 is the primary client point of contact at Horizon Community Bank. The ideal candidate will have a minimum of 6 months banking experience with a strong aptitude for customer service and relationship building. In this position the candidate will have strong cash handling and customer service experience and should be able to open basic new accounts within the first six months of employment. In addition, individuals in this position should be able to refer clients to their appropriate business partners for more advanced relationship development.

Duties:

• Completes all teller transactions, customer inquiries and Cash Handling Duties

• Maintains a safe working environment

• Aids in daily operations of the banking center

• After 6 months is able to open fundamental new accounts and services

• Knowledge of: On-line banking, bill pay, product knowledge and basic referring skills.

• Uncovers client needs and offers solutions

Responsibilities:

• Comply with All Federal and State Banking Regulations

• Insures all BSA and Compliance regulations are adhered to

• Proven ability to Multi-Task

• Excels at Customer Service to Both Internal and External Clients

• Maintain a professional and courteous attitude with all people including fellow employees, customers, management, board members and outside vendors.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

• Builds Lasting Relationships with current clients and prospects

• Attends and participates in training courses and workshops

• Offers Solution based relationship management

• Refers advanced business lines To Internal Partners

• Meets established performance standards

• Assumes additional responsibilities as assigned

Physical Requirements:The physical demands herein 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.

• Must be able to move and lift up to 50lbs. (full coin bags) to a height of 2-3 feet and bend approximately 45 degrees to empty coin bags into coin counter machine. Able to squat to retrieve cash and coin from teller cabinet.

• Ability to stand or sit 50% of the time.

• Must be able to walk around the bank to access file cabinets, office machinery and drive through teller window.

• Dexterity – constantly operates a computer and other office productivity machinery, such as; calculator, copy machine, and computer printers.

• Must frequently convey detailed or important information, ideas or instructions accurately and promptly.

• Must be able to hear normal conversations and exchange accurate information with customers.

Working Conditions:

General office environment

Interested applicants should send their resume to amyl@horizoncommunitybank.com and florar@horizoncommunitybank.com. We are an EOE employer.

Goodyear, AZ

Government Guaranteed Lender - Full Time

Summary:

The Government Guaranteed Lender reports directly to the Government Guaranteed Lending Manager. This individual is responsible for business development, packaging, underwriting, pricing and structuring of a portfolio of SBA and USDA loans. This includes objectives related to loan production, portfolio growth, profitability, credit quality, portfolio administration, management, collection, liquidation and litigation associated with an SBA and USDA loan portfolio with the ultimate objective being the preservation of the loan guarantees. This person participates in the sales of the government guaranteed portion of our loans into the secondary market while securing market competitive premiums for gains on sale. Responsible for adherence with commercial loan policies and procedures while ensuring compliance with SBA and USDA Standard Operating Procedures in accordance with Executive Management’s expectations and Board directives. Capable of resolving issues arising from operations and requiring coordination with other departments. This individual will manage a portfolio directly and is responsible for soliciting, building and maintaining loan and deposit relationships while cross selling the full scope of bank products and services. This position requires the application of well-defined credit/analytical skill sets developed through formal education and experience through the interview, underwriting and loan structuring processes. Exercises sound credit judgment in approving loans within established guidelines or recommending loans for approval by loan committee that meet bank objectives and are compliant with credit policies and regulatory guidelines and laws.

Duties:

• Engage in business development calls on prospects and clients to establish, maintain and further develop relationships. Develops a network of centers of influence to facilitate loan, deposit and cash management production.

• Assist in training, coaching, and mentoring a staff of qualified, experienced administrative support staff.

• Develops and maintains commercial banking relationships through community involvement and building and maintaining business networking.  Effectively prospect for clients and consultatively delivers creative financial solutions to meet their needs.

• Applies credit/analytical skills toward the effective underwriting of credit risk and engages in development of loan structure, terms, pricing and documentation toward the approval and closing of loans that achieve the objectives of the bank.

• Effectively manages and administers a loan portfolio by monitoring ongoing financial reporting, covenant and borrowing base compliance; manages delinquency; effective modification renewals and extensions of credits; and appropriate ongoing risk ratings.

• Maintains knowledge of bank products and services and collaborates with internal and external business partners of the bank so as to consultatively provide for the full scope of the client’s financial needs resulting in a deep and diverse client relationship that maximizes the profitability of the bank.

• Maintain ongoing knowledge of the local, regional and national economic conditions as well as all industry sectors with which the bank engages so as to remain cognizant of the external forces and market trends impacting the overall asset quality of the loan portfolio.

• Ensure all collateral interests taken to secure the lending exposure of the bank are legally perfected and appropriately valued, monitored and insured.

• Comply with all bank policies and procedures as well as related Federal, State and industry laws and regulations pertaining to the bank’s lending and banking activities.

Knowledge, Skills, and Education Requirements:
Basic Qualifications

• Preferred Bachelor’s degree in Finance, Business, Accounting or Statistics with a strong basis in financial accounting or equivalent knowledge gained through direct experience.

• Minimum 3 to 5 years of experience as a government guaranteed lender with demonstrated management skills and experience. Well-developed credit analytical skills supported by formal credit and cash flow training.

• Intimately familiar with SBA and USDA Standard Operating Procedures.

• Well developed skills in the use of proprietary or non-proprietary analytical software supported by expert level skills in the use of Microsoft Excel.

• Effective negotiations skills.

Preferred Skills and Experience:

• Direct experience with Buker’s Tax Analysis and FSA analytical software (or similar financial analytic software).

• Good knowledge of economics and finance.

• Basic knowledge of risk analysis.

• Effective technical report writing skills.

• Effective verbal and written communication skills.

• Willingness to work in and appreciation for the personalized and more intimate independent community bank environment.

Physical Requirements:

Physical requirements include accurate keyboarding skills, manual dexterity sufficient to manipulate files and other documents, and vision sufficient to work extensively with computer display, handwritten and printed data.

Interested applicants should send their resume to carld@horizoncommunitybank.com We are an EOE employer.

Lake Havasu City, AZ

Universal Banker 3 - Full Time

Summary:

The Universal Banker 3 is a mid-level banking position at Horizon Community Bank. The ideal candidate will have a minimum of 1 year of banking experience with a strong aptitude for customer service and relationship building. In this position the candidate will have strong cash handling and customer service experience and should be able to open complex new accounts. In addition, individuals in this position should be able to refer clients to their appropriate business partners for more advanced relationship development.

Duties:

• Meet all requirements and performance standards for Universal Banker 1 and 2

• Completes all teller transactions, customer inquiries and Cash Handling Duties

• Maintains a safe working environment

• Knowledge of: On-line banking, bill pay, product knowledge and basic referring skills.

• Advanced new account openings of: checking, money market, savings dda, basic business dba’s, cd’s and IRA’s.

• Identify client’s needs and offer solutions.

• Ability to make outside sales calls to both existing and potential small business clients.

• Knowledge to open or refer the following types of accounts: Business LOC, Analysis accounts, SBA, C and I and consumer lending. RDC, RDA, Merchant services, cash management products.

• Should be able to source deals and refer to business partners.

• Originate consumer loans within compliance guidelines.

• Responsible for training and mentoring peers

Responsibilities:

• Comply With All Federal and State Banking Regulations

• Insures all BSA and Compliance regulations are adhered to

• Proven ability to Multi Task and Excels at Customer Service to Both Internal and External Clients

• Maintain a professional and courteous attitude with all people including fellow employees, customers, management, board members and outside vendors.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

• Builds Lasting Relationships with current clients and prospects

• Attends and participates in training courses and workshops

• Offers Solution based relationship management

• Refers advanced business lines To Internal Partners

• Meets established performance standards

• Assumes additional responsibilities as assigned

Physical Requirements:The physical demands herein 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.

• Must be able to move and lift up to 50lbs. (full coin bags) to a height of 2-3 feet and bend approximately 45 degrees to empty coin bags into coin counter machine. Able to squat to retrieve cash and coin from teller cabinet.

• Ability to stand or sit 50% of the time.

• Must be able to walk around the bank to access file cabinets, office machinery and drive through teller window.

• Dexterity – constantly operates a computer and other office productivity machinery, such as; calculator, copy machine, and computer printers.

• Must frequently convey detailed or important information, ideas or instructions accurately and promptly.

• Must be able to hear normal conversations and exchange accurate information with customers.

Working Conditions:

General office environment

Interested applicants should send their resume to michelleb@horizoncommunitybank.com and linh@horizoncommunitybank.com . We are an EOE employer.

Fort Mohave, AZ

Universal Banker 3 - Full Time

Summary:

The Universal Banker 3 is a mid-level banking position at Horizon Community Bank. The ideal candidate will have a minimum of 1 year of banking experience with a strong aptitude for customer service and relationship building. In this position the candidate will have strong cash handling and customer service experience and should be able to open complex new accounts. In addition, individuals in this position should be able to refer clients to their appropriate business partners for more advanced relationship development.

Duties:

• Meet all requirements and performance standards for Universal Banker 1 and 2

• Completes all teller transactions, customer inquiries and Cash Handling Duties

• Maintains a safe working environment

• Knowledge of: On-line banking, bill pay, product knowledge and basic referring skills.

• Advanced new account openings of: checking, money market, savings dda, basic business dba’s, cd’s and IRA’s.

• Identify client’s needs and offer solutions.

• Ability to make outside sales calls to both existing and potential small business clients.

• Knowledge to open or refer the following types of accounts: Business LOC, Analysis accounts, SBA, C and I and consumer lending. RDC, RDA, Merchant services, cash management products.

• Should be able to source deals and refer to business partners.

• Originate consumer loans within compliance guidelines.

• Responsible for training and mentoring peers

Responsibilities:

• Comply With All Federal and State Banking Regulations

• Insures all BSA and Compliance regulations are adhered to

• Proven ability to Multi Task and Excels at Customer Service to Both Internal and External Clients

• Maintain a professional and courteous attitude with all people including fellow employees, customers, management, board members and outside vendors.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

• Builds Lasting Relationships with current clients and prospects

• Attends and participates in training courses and workshops

• Offers Solution based relationship management

• Refers advanced business lines To Internal Partners

• Meets established performance standards

• Assumes additional responsibilities as assigned

Physical Requirements:The physical demands herein 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.

• Must be able to move and lift up to 50lbs. (full coin bags) to a height of 2-3 feet and bend approximately 45 degrees to empty coin bags into coin counter machine. Able to squat to retrieve cash and coin from teller cabinet.

• Ability to stand or sit 50% of the time.

• Must be able to walk around the bank to access file cabinets, office machinery and drive through teller window.

• Dexterity – constantly operates a computer and other office productivity machinery, such as; calculator, copy machine, and computer printers.

• Must frequently convey detailed or important information, ideas or instructions accurately and promptly.

• Must be able to hear normal conversations and exchange accurate information with customers.

Working Conditions:

General office environment

Interested applicants should send their resume to linh@horizoncommunitybank.com and jessem@horizoncommunitybank.com . We are an EOE employer.

Fort Mohave, AZ

Universal Banker 2 - Full Time

Description:

The Universal Banker 2 an entry level banking position at Horizon Community Bank. The ideal candidate will have a minimum of 6 months banking experience that includes opening new accounts combined with a strong aptitude for customer service and relationship building. In addition, individuals in this position should have knowledge of some advanced banking applications and should able to refer clients to their appropriate business partners for more advanced relationship development.  

Duties:

• Meet all requirements and performance standards for Universal Banker 1

• Completes all teller transactions, customer inquiries and Cash Handling Duties

• Maintains a safe working environment

• Knowledge of: On-line banking, bill pay, product knowledge and basic referring skills.

• Advanced new account openings of: checking, money market, savings dda, basic business dba’s, cd’s and IRA’s.

• Identify client’s needs and offer solutions.

• Knowledge of: Business LOC, Analysis accounts, SBA, C and I and consumer lending. RDC, RDA, Merchant services, cash management products.

Responsibilities:

• Comply With All Federal and State Banking Regulations

• Insures all BSA and Compliance regulations are adhered to

• Proven ability to Multi Task and Excels at Customer Service to Both Internal and External Clients

• Maintain a professional and courteous attitude with all people including fellow employees, customers, management, board members and outside vendors.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

• Builds Lasting Relationships with current clients and prospects

• Attends and participates in training courses and workshops

• Offers Solution based relationship management

• Refers advanced business lines To Internal Partners

• Meets established performance standards

• Assumes additional responsibilities as assigned

Physical Requirements: The physical demands herein 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.

• Must be able to move and lift up to 50lbs. (full coin bags) to a height of 2-3 feet and bend approximately 45 degrees to empty coin bags into coin counter machine. Able to squat to retrieve cash and coin from teller cabinet.

• Ability to stand or sit 50% of the time.

• Must be able to walk around the bank to access file cabinets, office machinery and drive through teller window.

• Dexterity – constantly operates a computer and other office productivity machinery, such as; calculator, copy machine, and computer printers.

• Must frequently convey detailed or important information, ideas or instructions accurately and promptly.

• Must be able to hear normal conversations and exchange accurate information with customers.

Working Conditions:

• General office environment

Interested applicants should send their resume to linh@horizoncommunitybank.com and jessem@horizoncommunitybank.com . We are an EOE employer.

Mesa, AZ

Credit Analyst

Description:

Work in a growing community bank environment. Conducts credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. Makes recommendations and supports decisions regarding the extension of credit for diverse loan types. Investigates and analyzes credit. Prepares and presents credit presentations to Relationship Managers/Loan Officers and committees for use in making credit decisions on new, renewal and extension loans. Assists Relationship Manager/Loan Officers monitoring customer accounts and loan portfolios in order to maximize credit quality and minimize risk and potential loss. Maintains control over the credit standings of accounts and furnishes information relative to credit inquiries, as appropriate.

Duties:

• Providing quality service to internal customers through undertaking risk assessment analyses of various types of lending proposals.

• Analyzing financial information such as balance sheets, income and cash flow statements, and periodic financial reporting of all types.

• Perform loan and portfolio level stress testing of financial results, collateral and credit variables.

• Develop models and methodologies of credit information to predict patterns and trends using specific statistical software.

• Ensure financial information and spreads are properly scanned to Digital Imaging Platform

• Assessing the overall credit worthiness of client companies.

• Stay informed of regulatory, policy and procedural requirements to ensure compliance throughout the underwriting and credit administration processes.

• Keep well informed as to market conditions as it relates to assessing risk in credit transactions.

• Liaising with other staff within the company, such as account managers and product specialists to support the delivery of new and expanded products and services to clients.

• Performs other duties as assigned from time to time by management of the bank.

Knowledge, Skills, and Education Requirements:

Basic Qualifications

• Bachelor’s degree in Finance, Business, Accounting or Statistics with a strong basis in financial accounting or equivalent work experience.

• Minimum 2-3 years direct experience as a commercial credit analyst with direct experience in both commercial real estate and commercial and industrial (C&I) lending.

• Well developed credit analysis and analytical skills supported by formal credit and cash flow training.

• Well developed skills in the use of proprietary or non-proprietary analytical software supported by expert level skills in the use of Microsoft Excel.

• Effective verbal and written communication skills.

• Ability to organize and prioritize to meet deadlines

Preferred Skills and Experience:

• Some experience in credit portfolio management.

• Experience with government guaranteed and credit enhanced lending programs such as SBA 7A and 504 as well as USDA.

• Direct experience with Buker’s Tax Analysis and FSA analytical software would be beneficial.

• Basic knowledge of credit administration, policy and procedures.

• Good knowledge of economics and finance.

• Basic knowledge of risk analysis.

• Effective technical report writing skills.

• Willingness to work in and appreciation for the personalized and more intimate independent community bank environment.

Physical Requirements:

Physical requirements include accurate keyboarding skills, manual dexterity sufficient to manipulate files and other documents, and vision sufficient to work extensively with computer display, handwritten and printed data.

Interested applicants should send their resume to linh@horizoncommunitybank.com and jessicap@horizoncommunitybank.com. We are an EOE employer.

Lake Havasu City, AZ

Summary:

The primary role is to service and maintain commercial and consumer loan processes; all payments, insurance processing and service/ maintenance of all customer inquiries. This position reports directly to the Credit Administration Manager and will work with minimal supervision.

Duties:

• Daily balancing, researching and reconciling loan related General Ledger accounts and interface platforms impacting the department.

• Daily processing of loan payments and advances including rate swaps, lease and participation processing.

• Process all requests for loan payoffs including the processing of closed loans.

• Facilitate the monitoring and reporting of technical exceptions for documentation and financial reporting requirements with the Bank’s new platform with AFR (American Flood Research).

• Facilitate flood portfolio management, maintenance of collateral insurance records and verifying payment of real property taxes by our borrowing clients.

• Support the transition of credit files to FCM (a digitally imaged record keeping platform).

• Escrow Servicing; provide annual analysis, process insurance and real property tax payments.

• Maintain collateral files; review and maintain UCC requirements.

• Provide for the day to day customer service needs of the bank’s clients by answering phones (either in the Branch or as assigned to the Call Center); researching answers to inquiries and providing solutions.

• Other duties as assigned by the departmental manager.

Qualifications/Experience:

• HS Diploma or Equivalent

• Preferred 1-3 years loan documentation and bank experience, preferably in a community bank environment.

• Working knowledge of Windows, Microsoft Word, Excel and Outlook.

• Preferred knowledge of FIS Horizon core operating system or another similar core operating platform Preferred knowledge of Laser Pro loan documentation software or a similar software platform.

• Preferred experience with a digital document imaging platform.

• Strong verbal and written communication skills.

• Ability to multi-task and prioritize workload with minimal supervision.

• Keyboarding/typing skills, manual dexterity, and ability to lift files.

Physical Requirements:Physical requirements include accurate keyboarding skills, manual dexterity sufficient to manipulate files and other documents, and vision sufficient to work extensively with computer display, handwritten and printed data.

Interested applicants should send their resume to kathym@horizoncommunitybank.com and cindyw@horizoncommunitybank.com. We are an EOE employer.

Lake Havasu City, AZ

Universal Banker 2 - Full Time

Description:

The Universal Banker 2 an entry level banking position at Horizon Community Bank. The ideal candidate will have a minimum of 6 months banking experience that includes opening new accounts combined with a strong aptitude for customer service and relationship building. In addition, individuals in this position should have knowledge of some advanced banking applications and should able to refer clients to their appropriate business partners for more advanced relationship development.  

Duties:

• Meet all requirements and performance standards for Universal Banker 1

• Completes all teller transactions, customer inquiries and Cash Handling Duties

• Maintains a safe working environment

• Knowledge of: On-line banking, bill pay, product knowledge and basic referring skills.

• Advanced new account openings of: checking, money market, savings dda, basic business dba’s, cd’s and IRA’s.

• Identify client’s needs and offer solutions.

• Knowledge of: Business LOC, Analysis accounts, SBA, C and I and consumer lending. RDC, RDA, Merchant services, cash management products.

Responsibilities:

• Comply With All Federal and State Banking Regulations

• Insures all BSA and Compliance regulations are adhered to

• Proven ability to Multi Task and Excels at Customer Service to Both Internal and External Clients

• Maintain a professional and courteous attitude with all people including fellow employees, customers, management, board members and outside vendors.

• Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and co-workers.

• Builds Lasting Relationships with current clients and prospects

• Attends and participates in training courses and workshops

• Offers Solution based relationship management

• Refers advanced business lines To Internal Partners

• Meets established performance standards

• Assumes additional responsibilities as assigned

Physical Requirements: The physical demands herein 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.

• Must be able to move and lift up to 50lbs. (full coin bags) to a height of 2-3 feet and bend approximately 45 degrees to empty coin bags into coin counter machine. Able to squat to retrieve cash and coin from teller cabinet.

• Ability to stand or sit 50% of the time.

• Must be able to walk around the bank to access file cabinets, office machinery and drive through teller window.

• Dexterity – constantly operates a computer and other office productivity machinery, such as; calculator, copy machine, and computer printers.

• Must frequently convey detailed or important information, ideas or instructions accurately and promptly.

• Must be able to hear normal conversations and exchange accurate information with customers.

Working Conditions:

• General office environment

Interested applicants should send their resume to linh@horizoncommunitybank.com and michelleb@horizoncommunitybank.com. We are an EOE employer.

Phoenix Area, AZ

Commercial Banking Officer - Full Time

Summary:

The Commercial Banking Officer is responsible for soliciting, building and maintaining relationships with commercial bank clients and servicing a wide variety of real estate, commercial and industrial credits. This position requires the application of well-defined credit/analytical skill sets developed through formal education and experience through the interview, underwriting and loan structuring processes. Exercises sound credit judgment in approving loans within established guidelines or recommending loans for approval by loan committee that meet bank objectives and are compliant with credit policies and regulatory and guidelines and laws. Effectively manages loan portfolio to ensure growth, earnings and proper risk management.

Duties:

• Strong sale acumen preferred.

• Develops and maintains commercial banking relationships through community involvement and building and maintaining business networking. Effectively prospect for clients and consultatively delivers creative financial solutions to meet their needs.

• Applies credit/analytical skills toward the effective underwriting of credit risk and engages in development of loan structure, terms, pricing and documentation toward the approval and closing of loans that achieve the objectives of the bank.

• Effectively manages a commercial loan portfolio by monitoring ongoing financial reporting, covenant and borrowing base compliance; manages delinquency; effective modification renewals and extensions of credits; and appropriate ongoing risk ratings.

• Maintains knowledge of bank products and services and collaborates with internal and external business partners of the bank so as to consultatively provide for the full scope of the client’s financial needs resulting in a deep and diverse client relationship that maximizes the profitability of the bank.

• Maintain ongoing knowledge of the local, regional and national economic conditions as well as all industry sectors with which the bank engages so as to be cognizant of the external forces and market trends impacting the overall asset quality of the loan portfolio.

• Ensure all collateral interests taken to secure the lending exposure of the bank are legally perfected and appropriately valued, monitored and insured.

• Comply with all bank policies and procedures as well as related Federal, State and industry laws and regulations pertaining to the bank’s lending and banking activities.

Knowledge, Skills, and Education Requirements:

Basic Qualifications

• Preferred Bachelor’s degree in Finance, Business, Accounting, Economics or Statistics with a strong basis in financial accounting or equivalent knowledge gained through direct experience.

• Minimum 5 years of experience as a commercial loan officer direct experience in both commercial real estate and commercial and industrial (C&I) lending and portfolio management.

• Well-developed credit analytical skills supported by formal credit and cash flow training.

• Well developed skills in the use of proprietary or non-proprietary analytical software supported by expert level skills in the use of Microsoft Excel.

• Effective negotiations skills.

Preferred Skills and Experience

• Direct experience with Buker’s Tax Analysis and FSA analytical software (or similar financial analytic software).

• Good knowledge of economics and finance.

• Basic knowledge of risk analysis.

• Effective technical report writing skills.

• Effective verbal and written communication skills.

• Willingness to work in and appreciation for the personalized and more intimate independent community bank environment.
  

Physical Requirements:

Physical requirements include accurate keyboarding skills, manual dexterity sufficient to manipulate files and other documents, and vision sufficient to work extensively with computer display, handwritten and printed data.

Interested applicants should send their resume to jimn@horizoncommunitybank.com. We are an EOE employer.