Mesa, AZ

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:

• 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.

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

Lake Havasu City, AZ

Summary:

Responsible for assisting the Commercial Bankers in providing a high level of internal and external customer service in the management of the commercial loan portfolio from initial loan application through underwriting, closing, boarding and administration of loans.  The Commercial Banking Assistant is responsible for providing streamlined and efficient personal and professional service to internal and external customers. 

Duties:

• Assist the Loan Officers with obtaining all reports and information necessary to compile complete loan packages in support of the underwriting process for new loans, modifications, renewals and extensions.

• Assist Loan Officers with review of the Weekly Maturing Loan Report; pre-auditing files for needed updated information (i.e. financial information, insurance, collateral perfection).

• Assist the Loan Officers in dealing with various institutions and vendors to obtain necessary information such as title commitments, UCC lien searches, environmental reports, appraisals, flood and tax services, credit reports, etc.

• Support the creation and management of all commercial and consumer credit files to ensure maintenance within the policies and procedures of the bank including but not limited to ordering and reviewing title commitments, appraisals, environmental reports, credit reports, flood reports, performing and reviewing UCC lien searches, obtaining organizational documents and ordering and reviewing documents evidencing insurance coverage.

• Assist the Loan Officer in maintaining commercial credit files by scanning and indexing borrower financial records into the bank’s digital record keeping platform

• Support the Loan Officers in the monitoring and clearing of technical exceptions for documentation and financial reporting requirements within the loan portfolio on the FISCAL monitoring and management platform.

• FIS and Laser Pro account level maintenance.

• Provide for the day to day customer service needs of the bank’s clients by answering phones, researching answers to inquiries and providing solutions to problems.

• In certain Bank locations the Commercial Banking Assistant will be responsible for creating loan documents utilizing LaserPro.

• Other duties as assigned by the departmental manager.

Qualifications/Experience:

• HS Diploma or Equivalent

• Preferred 3-5 years bank experience, preferably in a community bank environment with knowledge of loan process, loan documentation, UCC and real property lending and perfection of collateral interests.

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

• Preferred knowledge of FIS Horizon core operating system or another similar core operating 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, 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 markm@horizoncommunitybank.com and nathanb@horizoncommunitybank.com. We are and 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 and EOE employer.

Kingman, AZ

Universal Banker 1 - Part Time/Full Time

Summary:

The Universal Banker is the entry level position 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 susanp@horizoncommunitybank.com and linh@horizoncommunitybank.com. We are and 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

Income Potential: The Universal Banker 1 has a salary range up to $16 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 linh@horizoncommunitybank.com and michelleb@horizoncommunitybank.com. We are and 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

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