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Lake Havasu City, AZ

Universal Banker 3 - Full Time


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.


  • 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


  • 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

Income Potential:

The Universal Banker 3 has a salary range up to $19 per hour. Other income can be earned in referral generation to our loan departments as well as merchant service partner. In addition, yearend bonuses and 401k match are available to those who participate.

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 triciab@horizoncommunitybank.com . We are and EOE employer.

Phoenix Area, AZ

Commercial Banking Officer - Full Time


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.


  • 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 hr@horizoncommunitybank.com. We are and EOE employer.

Lake Havasu City, AZ

Compliance Assistant


In conformance with the Bank’s Compliance Management Policy:

  • The incumbent will support the Bank’s Lending and Operational Compliance, Risk monitoring and other related functions in achieving Bank and departmental goals for implementing and maintaining a proactive and an effective compliance environment and controls for managing risks.
  • The incumbent will assist the Compliance Officer and as directed, other functional area managers, by performing certain pre-determined duties, with minimal supervision. 
  • The incumbent will become familiar with applicable banking regulations and internal policies and procedures to achieve the assigned duties, with emphasis on the lending regulations.
  • The incumbent will take direction from the Bank’s Compliance Officer.


  • Adverse Action Files and Procedures
  • HMDA Data Collection and reporting
  • CRA Technical Requirements & loan dispersion analysis
  • Perform periodic scheduled reviews of lending regulations such as:
    • Flood
    • TRID Compliance
    • Escrow accounts
    • Regulation B
  • Perform operational compliance duties including BSA as directed.
  • Assist with Loan and Operational Compliance audits and examinations.
  • Other duties assigned by the Compliance Officer.
  • Adheres to general duties and responsibilities of employees as attached.

Knowledge, Skills, and Education Requirements:

  • Excellent oral and written communication skills.  Excellent computer skills, to create tables, and other Management or Board reports.
  • Ability to work with all levels of management and staff.  Ability to establish and maintain a good work rapport with employees, outside contacts, including customers of the Bank. 
  • Integrity, dependability, honesty, and willingness to get the job completed in a professional manner accurately and timely.
  • Well organized, efficient and ability to work independently.  Detail oriented.
  • Knowledge of banking lending regulations and deposit related regulations.  Ability to collect, analyze and interpret data, within the scope of the job duties. 

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

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