Horizon Bank jobs - 26 jobs

A Fraud Analyst will investigate forgery and theft within customers' accounts and transactions on behalf the Bank. Track and monitor all of the Bank's transactions and activity that comes through the customers' accounts. The monitoring includes debit transactions and disputes, check fraud, ACH and wire activity. This position performs various quality control reviews and monitoring pertaining to the overall compliance with all related bank regulations. Principal Accountabilities Responsible for researching criminal fraud methods and tools, tracking financial data, creating reports, identifying and investigating possible fraudulent activities, and developing techniques and tools useful in the prevention of fraud. Responsible for adhering to all Bank policies and procedures including to BSA, OFAC, CIP, and related acts, and participation in ongoing related training. Represent the Bank to both internal and external contacts in a courteous, professional manner in face-to-face, written and telephone communications. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through involvement in local organizations and events. Duties * Process the day to day consumer disputes for unauthorized debit transactions. Process all charge back transactions timely. * Provide back up for legal document processing and BSA transactional monitoring. * Perform customer and transaction analytics to identify potential fraud trends. * Participate in on-going training to stay abreast of new fraud trends, risks and procedures. * Other duties as assigned Qualifications & Skills * Three years general banking or regulatory agency experience, with an emphasis in compliance and/or operations. * College degree or equivalent banking experience desired. High School diploma or GED is required. * Basic knowledge of Bank administration, lending and operations products and services, related state and federal laws and regulations and other Bank operational policies and procedures. * Ability to proactively identify and assess potential concerns and risk. * Comprehensive understating of general banking compliance regulations and laws. * Proficiency in Microsoft Office Suite (Word, Excel, and PowerPoint) * Ability to demonstrate strong interpersonal skills and communicative skills as well as effective written and verbal communication. * Must be highly organized, self-starter and adaptable to change. * Must possess exceptional organization, time management and follow-up skills. Core Competencies * Problem Solving * Decision Making and Judgment * Written Communication * Analytical Thinking * Risk Assessment * Stress Management Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA) Physical Demand: Percentage of Time: Communicate with regulators, vendors, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment 75-100% Occasionally position self to reach heights between floor and 6' Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Responsible for daily tracking of consumer and mortgage insurance, input of loans, loan verification and loan check-ins, in compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs). Work within a team to ensure loans progress through the pipeline efficiently and effectively. Principal Accountabilities Provide support for sales, consumer loan and mortgage department personnel as needed. Meet or exceed the stated Service Guarantee commitments. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), as well as quality of documentation, timeliness and volume of loans closed. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events. Duties * Sort and distribute incoming insurance mail and track all non-escrowed mortgage-secured loans over $100K and forward to vendor. * Handle daily mortgage insurance mail and review the mortgage insurance cancellations and reinstatements. Forward cancellations to our vendor for mortgage secured loans so that letters are sent. Process monthly PMI disbursements to meet the due dates. * Process incoming daily contracts within 24 hours of receipt * Review files for missing items and notify dealer of any missing items * Monitor the Credit Admin InBox and process all requests prior to 4:00 pm on same day * Cash incoming indirect contracts accurately * Check in all loan packets received from sales offices and track outstanding packets to ensure receipt of the final signed documents. * Book consumer, indirect, mortgage and commercial loans and board onto the FISERV Signature Core Banking System. * Ensure all outstanding billings, such as appraisal, recording, or title fees, have been received and processed by Credit Admin * Review daily and monthly tickler reports and ensure that the ticklers are being reviewed and cleared. * Review and update the daily new loan report for mortgage verification and review the Loan Coupon journal daily for any coupon book order errors * Perform loans verification on mortgage, consumer, and commercial loans and prepare documents for CBS input and imaging * Communicate with Loan Officer and title companies when loans are ready to schedule closing appointments * Conduct final loan quality credit checks * Prepare disbursement checks and arrange wire transfers * Perform post-closing verifications * Accurately and promptly prepare payoff letters, as well as release of mortgages or other collateral * Review draw requests on commercial lines of credit and construction loans to ensure funds are disbursed within the guidelines of the loan approval. Re-verify loan criteria as needed. * Review paid loans prior to releasing collateral. * Maintain file coverage for team members out of office, provide back up support for consumer declines, credit score disclosure letters, scanning files into Metavante imaging system. * Process all insurance premium disbursements as scheduled. Contact insurance companies for missing bills. * Assist with maintenance items such as automatic transfers, due date changes and payment amount changes as well as HELOC check order requests * Ensure all auto debits and/or HELOC orders are completed timely * Complete Indirect Audits and ensure required lien documentation and cip verification is in file * Process ATM/ACH/return checks * Verify and balance ACH worksheet and resolve discrepancies daily * Balance workstation and resolve discrepancies daily * Report suspicious transactions or unusual occurrences to supervisor. * Conduct and document periodic risk reviews and run reports as needed * Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions. * Maintain customer confidence and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks * Other duties as assigned Qualifications & Skills * High school diploma or equivalent with a minimum of 2 years' experience processing mortgage, consumer, commercial and/or small business loans. College degree in business, finance or related field of study preferred. * Knowledge of agency guidelines and industry standards as they relate to mortgage, consumer, commercial and/or small business * Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers. * Accuracy and ability to prioritize daily goals. * Ability to follow detailed instructions and a wide range of procedures requiring sound judgement. * Ability to perform complex mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Attention to Detail * Conflict Management * Time Management * Results Focused * Regulatory Compliance * Relationship Building Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demands: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment 75-100% Occasionally position self to reach heights between floor and 6' Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Summary of Job Responsibilities: The Chief Financial Officer (CFO) is a key member of the executive leadership team, responsible for overseeing the financial operations, strategy, and risk management of the bank. This role ensures the institution's financial health, regulatory compliance, and long-term profitability while supporting strategic growth initiatives. Accountable for complying with all Bank Secrecy Act and Anti Money Laundering regulations, bank policies and procedures. Essential Job Duties: Strategic Financial Leadership Develop and execute financial strategies aligned with the bank's mission and growth objectives Advise the CEO and Board on financial planning, capital structure, and investment decisions Financial Operations & Reporting Oversee accounting, budgeting, forecasting, and financial analysis Ensure timely and accurate financial reporting in compliance with regulatory standards Regulatory Compliance & Risk Management Responsible for knowing and complying with all Federal Regulations and bank policies/procedures including the Bank Secrecy Act and CIP. Lead internal controls, audits, and risk mitigation strategies Capital Planning & Treasury Manage liquidity, capital adequacy, and asset-liability strategies Optimize funding sources and oversee treasury operations Stakeholder Engagement Liaise with regulators, investors, rating agencies, and financial institutions Present financial performance and strategic plans to the Board and shareholders Team Leadership Build and lead a high-performing accounting team Foster a culture of accountability, innovation, and continuous improvement Skills and Abilities Required The ability to speak, read and write professionally and to use and understand financial spreadsheets and common commercial ratios. The ability to proficiently operate a computer and use excel, word and other bank software. Experience with digital banking transformation and financial technology Familiarity with regulatory frameworks such as SOX, Dodd-Frank. Advanced proficiency in financial systems and tools, including Excel Attention to detail with strong problem solving/critical thinking skills Minimum Requirements: Bachelor's degree in Finance, Accounting, or related Business major (MBA or CPA preferred) Minimum 10 years of senior financial leadership experience, ideally in banking or financial services, Or 7 years' experience in financial management position. Minimum 5 years' experience managing personnel or leading an accounting team. Deep understanding of banking regulations, financial instruments, and capital markets Proven track record in strategic planning, financial modeling, and risk management Strong leadership, communication, and shareholder management skills Working conditions: Good. Minimal discomfort from heat, noise, dust, or other factors.

Support the day to day operations of the Appraisal Services Department by providing a variety of administrative support activities related to the ordering, receipt, processing, and delivery of valuation and environmental products in accordance with company policies and established Standard Operating Procedures (SOPs). Ensure compliance with state and federal regulations. Principal Accountabilities Responsible for accurate, efficient and timely handling from request for valuation or environmental services through final delivery of valuation or environmental products. Support appraisal, sales, processing and lending department personnel as needed. Meet or exceed the stated Service Guarantee commitments. Represent the Bank to both internal and external customers in a courteous professional manner in face-to-face, written and telephone communications. Responsible for adherence to regulatory compliance standards including Bank Secrecy Act (BSA) company policies and procedures, as well as the quality of documentation, timeliness, accuracy and volume of loans closed. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through involvement in local organizations and events. Duties * Provide general administrative support to the Manager, Appraisal and Environmental Services and Real Estate Valuation Specialists as requested. * Obtain environmental documents and reports from internal and external sources. * Create electronic files and ensure all required documents are contained in the files. * Order internal and external appraisals, appraisal reviews, evaluations, and validations throughout the footprint of the bank. * Create a Scope of Work for new appraisal assignments and obtain competitive bids from appraisers. * Monitor department mailboxes and communicate as necessary with appraisers, environmental professionals, vendors, credit analysts, loan processors, and lenders. * Complete file uploads and distribute completed environmental memos, appraisals, appraisal reviews, evaluations, and validations to appropriate systems and individuals. * Provide technical assistance regarding department selected vendors to appraisers, credit analysts, loan processors, and lenders. * Provide real estate market information to credit analysts, loan processors, and lenders as needed. * Maintain the valuation and environmental department pipeline reports (appraisal, environmental, policy exception); create and distribute reports as scheduled. * Maintain list of reports prepared with frequency and distribution requirements. * Maintain the list of, and file documentation for the approved vendors related to the environmental department. * Report suspicious transactions or unusual occurrences to supervisor. * Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions. * Maintain customer confidence and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. * Other duties as assigned. Qualifications & Skills * High school diploma or equivalent with a minimum of 2 years' experience processing equipment, real estate, mortgage, consumer, commercial and/or small business loans. College degree in business, finance, real estate, accounting, economics or related field of study preferred. * Specialized knowledge of real estate theory, principles, terminology and collateral valuation methods is strongly preferred. * Knowledge of agency guidelines and industry standards as they relate to mortgage, consumer, commercial and/or small business lending. * Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers. * Ability to follow detailed instructions and a wide range of procedures requiring sound judgment. * Ability to perform complex mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. * Advanced Excel, Word, Power Point and internet research skills preferred and knowledge of SharePoint and Tableau software would be helpful. * Ability to learn and become proficient in new software. Core Competencies * Analytical Thinking and Decision Making * Customer Focused while Fostering Teamwork * Results oriented while Maintaining Personal Credibility * Ability to Provide Verbal and Written Persuasive Communications * Initiative to Managing Performance * Flexibility to Managing Change Physical Requirements Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment 75-100% Occasionally position self to reach heights between floor and 6' Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Summary of Job Responsibilities: Under general supervision, and in line with established policies and procedures, serves as a primary service and sales contact for all Bank customers. Executes a variety of basic entry level functions, including but not limited to, processing everyday transactions, creation of monetary instruments, referring customers into checking, savings and other account-based products, and helping customers identify and adopt solutions to protect their money from fraud. Essential Duties: Is accountable for representing the bank to the customer in a courteous, professional manner, and for engaging in behaviors that will advance the customer's relationship with the bank. Processes all other bank-related transactions in accordance with deepening the customer relationship. Practices strong Know-Your-Customer (KYC), with the aim of becoming a trusted advisor to all members of the community Handles cash and negotiable instruments with a keen eye for accuracy and fraudulent activity. Cross-sells bank services in accordance with individual and branch performance goals. Operates in a team environment and provides excellent customer service. Responsible for the completion of tasks necessary to secure company assets. Uphold the customer and employee service standards established Accurately opens personal deposit accounts and completes higher level customer requests in accordance with bank standards. Skills and Abilities Required: The ability to communicate, speak clearly, and demonstrate a high level of interpersonal skills necessary to represent the bank in dealing with customers. Strong computer skills with both desktop and handheld platforms. Effective at using and navigating apps. Ability to exercise critical thinking skills. Preference of one year of experience in a consultative sales environment. Minimum Requirements: A high school diploma or equivalent. The ability to read, write, and speak English; count currency and coin; and to perform simple arithmatic calculations. Successful completion of credit check, drug screen, and background check. Flexible schedule Monday-Friday and Saturday morning availability. Two years of customer service experience OR completion of internal Banker Pathway I. Working Conditions: Minimum discomfort from noise, heat, dust, and other causes. Required to stand for long periods when providing customer services Exposed to potential robbery conditions. Receives detailed instructions and procedures to be followed to minimize the risk. The ability to lift and carry cash drawers and coin bags (up to 25 pounds).

The Commercial Loan Officer plays a vital role on the lending team, collaborating and generating solutions for current and perspective business clients. The CLO actively solicits for new business by marketing all of Horizon's commercial banking products within a specified geographic area. In addition, the CLO will manage a book of business that requires on-going client interaction and financial analysis to maximize market penetration and account performance, in compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs). Principal Accountabilities Responsible for business development, structuring and underwriting loan requests for new and existing clients, growing loan and deposit portfolio and generating fee income. Ensure client relationships are profitable and partner with other areas of the Bank to meet all of the financial needs of the clients. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA). Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through active involvement in local organizations and events. Duties * Protect Bank's assets and maintain quality of portfolio by adhering to lending processes, policies and procedures, legal and ethical requirements and regulations, audit requirements, and established risk management guidelines. Ensure all Commercial Banking business is in conformity with Bank Policies & other guidelines. * Adhere to Know Your Customers Rules & Bank Policies & Procedures for the prevention of loss due to fraud, counterfeiting, money laundering, or defalcation; Identify and report suspicious and other reportable transactions or patterns of activity that are suspected to be related to money laundering. * Identify and cross-sell value added commercial banking services by following a proactive sales and business development plan. * Generate new loans, deposits and fee income from new and existing clients by maintaining an ongoing business development program. * Minimize loss risk by monitoring loan portfolio & loan repayment activities and take necessary action to collect from past-due accounts. * Provide underwriting expertise in all categories of transactions; apply analytics and guidance in required structuring and terms in order to balance the risk and rewards of the transaction in an attempt to win the business. * Provide expertise and guidance in negotiating and documenting loan transactions with clients. * Participate in Administration of loans - Reconcile draw packages (sworn statements & AIA's), order & review inspections, order date down endorsements & title updates, and interact with clients as necessary. * Monitor economic trends in accordance with client financial analysis to assist in portfolio reviews. * Maintain customer confidence and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. Keep up to date on market trends by participation in professional organizations and community projects and events. * Other duties as assigned. Qualifications & Skills * Bachelor's degree in finance, economics, or accounting and 5-years related experience in financial services industry or equivalent education and experience desired. * High school diploma or equivalent required. * In-depth understanding of structuring commercial loan requests. * Proven track record in Business Development. * Strong interpersonal skills used within a team environment and in client interaction with emphasis on relationship building. * Credit/analytical skills to assess financial statements, cash flow and risk. * Excellent written and oral communication skills including the ability to write clear and concise credit correspondence. * Self-motivated and persuasive, with the ability to motivate others and accept coaching. * Must have proficient typing and computer skills, specifically Microsoft Office products. Core Competencies * Risk Assessment * Decision Making and Judgment * Relationship Building * Adaptability and Flexibility * Effective Questioning * Results Focused Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demands: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone. 90-100% Able to remain stationary at a desk for long periods of time. 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment 75-100% Occasionally position self to reach heights between floor and 6' Travel to meet with clients, attend closings, seminars and meetings. Some overnight travel may be required. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

A Teller provides customers with proficient and accurate transaction processing. Maintains a strong customer focus to strengthen relationships to retain present customers and develop new business by providing Exceptional Service and Sensible Advice. Tellers preferably have more than 1 year of experience in payment processing and professional sales experience in a service-oriented environment. Principal Accountabilities Represent the Bank to the customer in a courteous, professional manner in face-to-face, drive through and telephone communications. Provide timely, efficient, and accurate service in processing transactions in accordance with all regulations, policies and procedures. Working knowledge of bank processes, products and services as well as banking regulations including Bank Secrecy Act (BSA). Develop and enhance customer relationships to identify cross selling and referral opportunities. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events. Duties * Receive checks and cash for deposit to savings and checking accounts, verify deposit amounts, examine checks for endorsement and negotiability, and enter transactions into Bank records. * Report suspicious transactions or unusual occurrences to supervisor. * Process withdrawal requests, review documents for proper signatures, verify identity of customer and enter transactions into Bank records. * Receive payments for loans, ensuring that payments equal the amount due and that all charges, if applicable, are collected. * Issue financial instruments, such as traveler' checks, cashier's checks, etc. in accordance with Bank procedures. * Update customer account information. Recommend bank products and services to meet customer's changing needs. * Educate customers on digital banking services (mobile checking deposit, online bill pay, etc.) and encourage electronic banking and e-statement adoption. * Responsible for balancing the day's transactions according to standard procedures, and auditing and investigating end of day balancing discrepancies until resolved. * Apply risk assessment skills to all customer requests. Use risk management tools such as identification procedures, check holds, and Decision Making Guide. Participate in monthly risk assessment testing as required. * Perform all work in compliance with established regulations, policies, and established procedures. * Maintain customer confidence and protect bank operations by keeping information confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. * May be trained as vault teller responsible for management of cash inventories. * Other duties as assigned. Qualifications & Skills * High school diploma or equivalent. Prior sales or banking experience preferred with one year of experience as a Bank Teller, or the equivalent combination of banking, payment processing and professional sales experience in a service-oriented environment. * Ability to present a professional image and communicate with public, co-workers, management, customers and others in a courteous, positive and professional manner. * Ability to read, process, understand and apply written training material content to daily activity. * Ability to follow detailed instructions and a wide range of procedures requiring sound judgement. * Requires concentration to avoid mistakes in counting cash. * Ability to perform basic mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Active Listening * Relationship Building * Attention to Detail * Risk Management * Customer Focus Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demand: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, printer and telephone. 90-100% Able to remain in upright stationary position at counter height of approximately 48" for long periods of time. 90-100% Able to grasp, move and sort forms and papers. 90- 100% Regularly move about the branch to access file cabinets, storage drawers and various office equipment such as cash counters and printers. 75-100% Occasionally position self to reach heights between floor and 6'. Must be able to lift up to 50 pounds at times. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

An AML Analyst assists in the implementation and administration of all aspects of the Bank Secrecy Act and assists with various assignments supporting the Compliance Program of the bank under the guidance of the AML Supervisor, Assistant AML/CFT Officer and/or AML/CFT Officer. This position performs various quality control reviews and monitoring pertaining to the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering Program, OFAC and Customer Identification Program compliance using industry standards and regulatory guidance to ensure the Bank's compliance efforts are maintained on a daily basis. Principal Accountabilities Responsible for adhering to the reporting and recordkeeping requirements of the Bank Secrecy Act and Anti-Money Laundering rules and regulations, observing economic sanctions by prohibiting transactions as specified by the Office of Foreign Asset Control (OFAC, following the bank's customer identification program (CIP) rules, observing all Bank policies and procedures relating to BSA, OFAC, CIP, and related acts, and participation in ongoing related training. Represent the Bank to both internal and external contacts in a courteous, professional manner in face-to-face, written and telephone communications. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through involvement in local organizations and events. Duties * Perform customer and transaction analytics to identify trends and possible suspicious activity, escalate any concerns for case investigation. * Assist in the preparation and submission of all Currency Transaction Reports (CTRs) within required time frames. * Maintain Monetary Instrument Log (MIL) as needed. * Review completed CDD/EDD questionnaires for compliance and risk purposes. * Work with branch staff and internal partners on BSA/AML/CFT/CIP/OFAC compliance. * Participate in on-going training as required to maintain knowledge of all federal and state laws and regulations, including Bank Secrecy Act and all related anti-money laundering and OFAC regulations, along with the Bank's policies and procedures. * Other duties as assigned Qualifications & Skills * Two years general banking or regulatory agency experience, with an emphasis in compliance and/or operations. * College degree or equivalent banking experience desired. Certification in Anti-Money Laundering (CAMS) is beneficial. High School diploma or GED is required. * Basic knowledge of Bank administration, lending and operations products and services, related state and federal laws and regulations and other Bank operational policies and procedures. * Ability to proactively identify and assess potential concerns and risk. * Comprehensive understating of general banking compliance regulations and laws. * Proficiency in Microsoft Office Suite (Word, Excel, and PowerPoint). * Ability to demonstrate strong interpersonal skills and communicative skills as well as effective written and verbal communication. * Must be highly organized, self-starter and adaptable to change. * Must possess exceptional organization, time management and follow-up skills. Core Competencies * Problem Solving * Decision Making * Written Communication * Analytical Thinking * Risk Management * Stress Tolerance Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA) Physical Demand: Percentage of Time: Communicate with regulators, vendors, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone. 90-100% Able to remain stationary at a desk for long periods of time. 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment. 75-100% Occasionally position self to reach heights between floor and 6'. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Assist customers in securing conventional, lot, construction and FHA/VA/USDA residential mortgage loans in accordance with company policies and established Standard Operating Procedures (SOPs). Ensure compliance with state and federal regulations while meeting sales goals. Responsible for all aspects of the Mortgage Loan Origination process including accurate, efficient and timely handling from receipt of the loan application to attending the closing. Must attain and maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry). Work within a team to ensure loans progress through the pipeline efficiently and effectively and close within the rate-lock period. Principal Accountabilities Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and volume of loans closed. Identify financial objectives and refer clients to other bank services. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events. Duties * Develop and execute effective marketing plans to meet or exceed mortgage loan production goals. * Market, service and promote the bank's mortgage products, including the solicitation of residential first mortgages through contacts with Realtors, builders, developers, closing agents, social media and other referral sources. * Independently monitor trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both conventional and government insured mortgages. * Interview potential borrowers applying for residential mortgage loans to understand their needs. * Analyze and screen preliminary loan requests on varied types of mortgage loans to determine which products best meet the customer's needs and financial circumstances. Provide advice regarding the advantages and disadvantages of different financial products and recommend the most appropriate mortgage loan program for the customer. * Outline loan terms and conditions, and inform prospective borrowers of loan commitment. * Enter loan application into LOS (Loan Operating System), order credit reports, and upload to AUS (Automated Underwriting System). Collect critical documents from borrower and submit loan applications for processing and underwriting approval. * Once loan is underwritten, receive stipulations and assist to clear them. * Monitor the loan pipeline, tracking loans in process to ensure required documents are secured to ensure timely completion of the loan. * Communicate regularly with customers regarding progress of loan and items needed for loan approval. Address customer questions and concerns through investigation and corrective action. * Periodically run AUS reports to ensure loans continue to have a favorable result once loan documents are submitted * Communicate with Processor to schedule closing appointments. Travel to conduct closings with buyers, sellers, real estate agents, attorneys and others. * Provide credit counseling to delinquent or non-qualifying customers. * Develop and maintain knowledge of other bank products and services in order to effectively identify referral opportunities. * Maintain file coverage for team members out of office and perform other duties as assigned. * Report suspicious transactions or unusual occurrences to supervisor. * Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions. * Maintain customer confidence and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. Qualifications & Skills * High school diploma or equivalent with a minimum of 3 years residential mortgage loan experience or satisfactory completion of Horizon Bank's in-house Jr. MLO training (when available). College degree in business, finance or related field of study preferred. * Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending, conventional, lot, construction and FHA/VA/USDA loan programs. * Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers. * Ability to follow detailed instructions and adhere to a wide range of procedures and regulations requiring sound judgement. * Ability to perform complex mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Adaptability & Flexibility * Decision Making and Judgment * Relationship Building * Attention to Detail * Prospecting and Referring * Accountability Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demands: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers.. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone. 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment. 75-100% Occasionally position self to reach heights between floor and 6.' Travel to customer homes, businesses, community events and closing locations as required to meet or exceed referral, customer service and sales goals. 25-75% Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

At Horizon Bank, we're not just about banking; we're about empowering dreams and transforming lives when we Go Beyond! Our passion lies in creating meaningful connections with our clients and providing financial solutions that pave the way to success. We're a dynamic team, dedicated to redefining the banking experience by going beyond and making a real difference in the lives of individuals and businesses alike. Are you ready to embark on an exciting journey where every interaction is an opportunity to make an impact? As a Universal Banker at Horizon Bank you'll be at the forefront of a culture of exceptional service, where creativity meets expertise and relationships are the heart of everything we do. We're seeking passionate individuals who thrive in a fast-paced environment, possess unparalleled people skills, and are driven by a desire to help others achieve their financial goals. Benefits: * Competitive salary with performance-based bonuses - your success is our success! * Comprehensive benefits package, including health, dental, and vision insurance, as well as retirement plans and paid time off. * Opportunities for professional growth and development, with access to ongoing training. * Join a vibrant and inclusive team culture where your ideas are valued, and your voice is heard. You can join one of our Employee Resource Groups where our diversity is celebrated. Job Overview Responsible for processing customer transactions, completing customer initiated account maintenance and all other tasks associated with customer requests. Originate new deposit accounts and consumer loans. Responsible for initiating, enhancing and maintaining customer relationships by providing Exceptional Service and Sensible Advice. Able to probe for information regarding customer's needs and provide effective solutions. Maintain a well-developed working knowledge of bank products and services, taking responsibility to keep up-to-date on changes. Universal Bankers generally have one year of banking experience or professional sales experience in a service-oriented environment. Duties * Be the face of Horizon Bank delivering unparalleled service and building lasting relationships with our valued clients. * Serve as a trusted advisor, understanding each customer's unique financial needs and tailoring solutions to help them achieve their goals. * Dive into the world of banking transactions, confidently handling everything from deposits and withdrawals to loan applications and account openings. * Embrace your inner marketer, promoting our suite of products and services with enthusiasm and creativity to drive customer engagement and satisfaction. * Stay ahead of the curve by continuously expanding your knowledge of banking products, services, and industry trends. * Collaborate with a team of like-minded professionals to exceed branch goals and deliver exceptional results. Qualifications & Skills * High school diploma or equivalent required; additional education or certifications a plus. * 1+ years of experience in banking, payment processing, or professional sales preferred. * Strong sales initiative and the ability to develop lasting customer relationships. * A magnetic personality and a genuine passion for helping others succeed. * Excellent communication skills, both verbal and written, with the ability to captivate and inspire. * A knack for problem-solving and the ability to think on your feet in a fast-paced environment. * Proficiency in basic mathematical computations and computer literacy. * Ability to follow detailed instructions and procedures with sound judgment. * Flexibility to work Saturdays because we Go Beyond Core Competencies * Consultative Sales * Product Knowledge * Effective Questioning * Prospecting and Referring * Relationship Building * Results Focused Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demand: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, printer and telephone. 90-100% Able to remain in upright stationary position at counter height of approximately 48" for long periods of time. 50-75% Able to grasp, move and sort forms and papers. 90- 100% Regularly move about the branch to access teller line, file cabinets, storage drawers and various office equipment, such as cash counters and printers. 75-100% Occasionally position self to reach heights between floor and 6'. Must be able to lift up to 50 pounds at a time. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Job Description Summary of Job Responsibilities: Under general supervision, and in line with established policies and procedures, serves as a primary service and sales contact for all Bank customers. Executes a variety of basic entry level functions, including but not limited to, processing everyday transactions, creation of monetary instruments, referring customers into checking, savings and other account-based products, and helping customers identify and adopt solutions to protect their money from fraud. Essential Duties: Is accountable for representing the bank to the customer in a courteous, professional manner, and for engaging in behaviors that will advance the customer's relationship with the bank. Processes all other bank-related transactions in accordance with deepening the customer relationship. Practices strong Know-Your-Customer (KYC), with the aim of becoming a trusted advisor to all members of the community Handles cash and negotiable instruments with a keen eye for accuracy and fraudulent activity. Cross-sells bank services in accordance with individual and branch performance goals. Operates in a team environment and provides excellent customer service. Responsible for the completion of tasks necessary to secure company assets. Uphold the customer and employee service standards established Accurately opens personal deposit accounts and completes higher level customer requests in accordance with bank standards. Skills and Abilities Required: The ability to communicate, speak clearly, and demonstrate a high level of interpersonal skills necessary to represent the bank in dealing with customers. Strong computer skills with both desktop and handheld platforms. Effective at using and navigating apps. Ability to exercise critical thinking skills. Preference of one year of experience in a consultative sales environment. Minimum Requirements: A high school diploma or equivalent. The ability to read, write, and speak English; count currency and coin; and to perform simple arithmatic calculations. Successful completion of credit check, drug screen, and background check. Flexible schedule Monday-Friday and Saturday morning availability. Two years of customer service experience OR completion of internal Banker Pathway I. Working Conditions: Minimum discomfort from noise, heat, dust, and other causes. Required to stand for long periods when providing customer services Exposed to potential robbery conditions. Receives detailed instructions and procedures to be followed to minimize the risk. The ability to lift and carry cash drawers and coin bags (up to 25 pounds).

A Fraud Analyst investigates forgery and theft within customers' accounts and transactions on behalf of a bank. They track and monitor the all bank's transactions and activity that comes through the customers' accounts. The monitoring includes debit transactions and disputes, check fraud, ACH and wire activity. It is the Sr. Fraud Analyst job to identify and trace any suspicious or high-risk transactions, determine if there is improper activity involved. This position performs various quality control reviews and monitoring pertaining to the overall compliance with all related bank regulations. Principal Accountabilities Responsible for researching criminal fraud methods and tools, tracking financial data, creating reports, identifying and investigating possible fraudulent activities, and developing techniques and tools useful in the prevention of fraud. Responsible for adhering to all Bank policies and procedures including to BSA, OFAC, CIP, and related acts, and participation in ongoing related training. Represent the Bank to both internal and external contacts in a courteous, professional manner in face-to-face, written and telephone communications. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through involvement in local organizations and events. Duties * Act as the main point person for managing the Fraud Watch Plus platform, with a strategy to block transactions where identified fraud has been determined. * Conduct ongoing monitoring of existing fraud alerts through Fraud Watch Plus and the AML system Verafin. Recommend enhancements to improve fraud detection and reduce false positives. * Support development and implementation of the new alerts. * Manage the day to day consumer disputes for unauthorized debit transactions. Process all charge back transactions timely. * Engage with key partners in the Operations Center and Information Security department to develop requirements for new data needs. * Ensure the quality, accuracy and completeness of data available and alerting process. * Perform customer and transaction analytics to identify potential fraud trends. * Participate in on-going training to stay abreast of new fraud trends and risk, s and procedures. * Other duties as assigned. Qualifications & Skills * Five years general banking or regulatory agency experience, with an emphasis in compliance and/or operations. * College degree or equivalent banking experience desired. High School diploma or GED is required. * Basic knowledge of Bank administration, lending and operations products and services, related state and federal laws and regulations and other Bank operational policies and procedures. * Ability to proactively identify and assess potential concerns and risk. * Comprehensive understating of general banking compliance regulations and laws. * Proficiency in Microsoft Office Suite (Word, Excel, and PowerPoint) * Ability to demonstrate strong interpersonal skills and communicative skills as well as effective written and verbal communication. * Must be highly organized, self-starter and adaptable to change. * Must possess exceptional organization, time management and follow-up skills. Core Competencies * Problem Solving * Decision Making * Written Communication * Analytical Thinking * Risk Assessment * Stress Management Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA) Physical Demand: Percentage of Time: Communicate with regulators, vendors, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment 75-100% Occasionally position self to reach heights between floor and 6' Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Assist customers in securing conventional, lot, construction and FHA/VA/USDA residential mortgage loans in accordance with company policies and established Standard Operating Procedures (SOPs). Ensure compliance with state and federal regulations while meeting sales goals. Responsible for all aspects of the Mortgage Loan Origination process including accurate, efficient and timely handling from receipt of the loan application to attending the closing. Must attain and maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry). Work within a team to ensure loans progress through the pipeline efficiently and effectively and close within the rate-lock period. Principal Accountabilities Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and volume of loans closed. Identify financial objectives and refer clients to other bank services. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events. Duties * Develop and execute effective marketing plans to meet or exceed mortgage loan production goals. * Market, service and promote the bank's mortgage products, including the solicitation of residential first mortgages through contacts with Realtors, builders, developers, closing agents, social media and other referral sources. * Independently monitor trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both conventional and government insured mortgages. * Interview potential borrowers applying for residential mortgage loans to understand their needs. * Analyze and screen preliminary loan requests on varied types of mortgage loans to determine which products best meet the customer's needs and financial circumstances. Provide advice regarding the advantages and disadvantages of different financial products and recommend the most appropriate mortgage loan program for the customer. * Outline loan terms and conditions, and inform prospective borrowers of loan commitment. * Enter loan application into LOS (Loan Operating System), order credit reports, and upload to AUS (Automated Underwriting System). Collect critical documents from borrower and submit loan applications for processing and underwriting approval. * Once loan is underwritten, receive stipulations and assist to clear them. * Monitor the loan pipeline, tracking loans in process to ensure required documents are secured to ensure timely completion of the loan. * Communicate regularly with customers regarding progress of loan and items needed for loan approval. Address customer questions and concerns through investigation and corrective action. * Periodically run AUS reports to ensure loans continue to have a favorable result once loan documents are submitted * Communicate with Processor to schedule closing appointments. Travel to conduct closings with buyers, sellers, real estate agents, attorneys and others. * Provide credit counseling to delinquent or non-qualifying customers. * Develop and maintain knowledge of other bank products and services in order to effectively identify referral opportunities. * Maintain file coverage for team members out of office and perform other duties as assigned. * Report suspicious transactions or unusual occurrences to supervisor. * Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions. * Maintain customer confidence and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. Qualifications & Skills * High school diploma or equivalent with a minimum of 3 years residential mortgage loan experience or satisfactory completion of Horizon Bank's in-house Jr. MLO training (when available). College degree in business, finance or related field of study preferred. * Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending, conventional, lot, construction and FHA/VA/USDA loan programs. * Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers. * Ability to follow detailed instructions and adhere to a wide range of procedures and regulations requiring sound judgement. * Ability to perform complex mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Adaptability & Flexibility * Decision Making and Judgment * Relationship Building * Attention to Detail * Prospecting and Referring * Accountability Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demands: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers.. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone. 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment. 75-100% Occasionally position self to reach heights between floor and 6.' Travel to customer homes, businesses, community events and closing locations as required to meet or exceed referral, customer service and sales goals. 25-75% Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

At Horizon Bank, we're not just about banking; we're about empowering dreams and transforming lives when we Go Beyond! Our passion lies in creating meaningful connections with our clients and providing financial solutions that pave the way to success. We're a dynamic team, dedicated to redefining the banking experience by going beyond and making a real difference in the lives of individuals and businesses alike. Are you ready to embark on an exciting journey where every interaction is an opportunity to make an impact? As a Universal Banker at Horizon Bank you'll be at the forefront of a culture of exceptional service, where creativity meets expertise and relationships are the heart of everything we do. We're seeking passionate individuals who thrive in a fast-paced environment, possess unparalleled people skills, and are driven by a desire to help others achieve their financial goals. Benefits: * Competitive salary with performance-based bonuses - your success is our success! * Comprehensive benefits package, including health, dental, and vision insurance, as well as retirement plans and paid time off. * Opportunities for professional growth and development, with access to ongoing training. * Join a vibrant and inclusive team culture where your ideas are valued, and your voice is heard. You can join one of our Employee Resource Groups where our diversity is celebrated. Job Overview Responsible for processing customer transactions, completing customer initiated account maintenance and all other tasks associated with customer requests. Originate new deposit accounts and consumer loans. Responsible for initiating, enhancing and maintaining customer relationships by providing Exceptional Service and Sensible Advice. Able to probe for information regarding customer's needs and provide effective solutions. Maintain a well-developed working knowledge of bank products and services, taking responsibility to keep up-to-date on changes. Universal Bankers generally have one year of banking experience or professional sales experience in a service-oriented environment. Duties * Be the face of Horizon Bank delivering unparalleled service and building lasting relationships with our valued clients. * Serve as a trusted advisor, understanding each customer's unique financial needs and tailoring solutions to help them achieve their goals. * Dive into the world of banking transactions, confidently handling everything from deposits and withdrawals to loan applications and account openings. * Embrace your inner marketer, promoting our suite of products and services with enthusiasm and creativity to drive customer engagement and satisfaction. * Stay ahead of the curve by continuously expanding your knowledge of banking products, services, and industry trends. * Collaborate with a team of like-minded professionals to exceed branch goals and deliver exceptional results. Qualifications & Skills * High school diploma or equivalent required; additional education or certifications a plus. * 1+ years of experience in banking, payment processing, or professional sales preferred. * Strong sales initiative and the ability to develop lasting customer relationships. * A magnetic personality and a genuine passion for helping others succeed. * Excellent communication skills, both verbal and written, with the ability to captivate and inspire. * A knack for problem-solving and the ability to think on your feet in a fast-paced environment. * Proficiency in basic mathematical computations and computer literacy. * Ability to follow detailed instructions and procedures with sound judgment. * Flexibility to work Saturdays because we Go Beyond Core Competencies * Consultative Sales * Product Knowledge * Effective Questioning * Prospecting and Referring * Relationship Building * Results Focused Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demand: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, printer and telephone. 90-100% Able to remain in upright stationary position at counter height of approximately 48" for long periods of time. 50-75% Able to grasp, move and sort forms and papers. 90- 100% Regularly move about the branch to access teller line, file cabinets, storage drawers and various office equipment, such as cash counters and printers. 75-100% Occasionally position self to reach heights between floor and 6'. Must be able to lift up to 50 pounds at a time. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Assist customers in securing conventional, lot, construction and FHA/VA/USDA residential mortgage loans in accordance with company policies and established Standard Operating Procedures (SOPs). Ensure compliance with state and federal regulations while meeting sales goals. Responsible for all aspects of the Mortgage Loan Origination process including accurate, efficient and timely handling from receipt of the loan application to attending the closing. Must attain and maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry). Work within a team to ensure loans progress through the pipeline efficiently and effectively and close within the rate-lock period. Principal Accountabilities Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and volume of loans closed. Identify financial objectives and refer clients to other bank services. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events. Duties * Develop and execute effective marketing plans to meet or exceed mortgage loan production goals. * Market, service and promote the bank's mortgage products, including the solicitation of residential first mortgages through contacts with Realtors, builders, developers, closing agents, social media and other referral sources. * Independently monitor trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both conventional and government insured mortgages. * Interview potential borrowers applying for residential mortgage loans to understand their needs. * Analyze and screen preliminary loan requests on varied types of mortgage loans to determine which products best meet the customer's needs and financial circumstances. Provide advice regarding the advantages and disadvantages of different financial products and recommend the most appropriate mortgage loan program for the customer. * Outline loan terms and conditions, and inform prospective borrowers of loan commitment. * Enter loan application into LOS (Loan Operating System), order credit reports, and upload to AUS (Automated Underwriting System). Collect critical documents from borrower and submit loan applications for processing and underwriting approval. * Once loan is underwritten, receive stipulations and assist to clear them. * Monitor the loan pipeline, tracking loans in process to ensure required documents are secured to ensure timely completion of the loan. * Communicate regularly with customers regarding progress of loan and items needed for loan approval. Address customer questions and concerns through investigation and corrective action. * Periodically run AUS reports to ensure loans continue to have a favorable result once loan documents are submitted * Communicate with Processor to schedule closing appointments. Travel to conduct closings with buyers, sellers, real estate agents, attorneys and others. * Provide credit counseling to delinquent or non-qualifying customers. * Develop and maintain knowledge of other bank products and services in order to effectively identify referral opportunities. * Maintain file coverage for team members out of office and perform other duties as assigned. * Report suspicious transactions or unusual occurrences to supervisor. * Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions. * Maintain customer confidence and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. Qualifications & Skills * High school diploma or equivalent with a minimum of 3 years residential mortgage loan experience or satisfactory completion of Horizon Bank's in-house Jr. MLO training (when available). College degree in business, finance or related field of study preferred. * Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending, conventional, lot, construction and FHA/VA/USDA loan programs. * Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers. * Ability to follow detailed instructions and adhere to a wide range of procedures and regulations requiring sound judgement. * Ability to perform complex mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Adaptability & Flexibility * Decision Making and Judgment * Relationship Building * Attention to Detail * Prospecting and Referring * Accountability Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demands: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers.. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone. 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment. 75-100% Occasionally position self to reach heights between floor and 6.' Travel to customer homes, businesses, community events and closing locations as required to meet or exceed referral, customer service and sales goals. 25-75% Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

The Universal Banker Supervisor will support the operations of the Universal Banker team as delegated by management, and solve complex issues related to customer transactions. Serve as trainer/mentor to new hires; provide ongoing coaching/training to advisors. Perform regular Universal Banker duties in conjunction with supervisory responsibilities. Process customer transactions and new account opening timely, efficiently, and accurately. Complete customer initiated account maintenance and all other tasks associated with customer requests. Originate new deposit accounts and consumer loans. Responsible for initiating, enhancing and maintaining customer relationships by providing Exceptional Service and Sensible Advice. Able to probe for information regarding customer's needs and provide effective solutions. Must demonstrate a high of degree initiative and leadership and mastery of bank products and services, taking responsibility to keep up-to-date on changes. Universal Banker Supervisor generally has 3+ years of banking experience or professional sales experience in a service-oriented environment. Principal Accountabilities Provide on-site supervision to enhance a positive teamwork environment, focusing on Universal Banker activities, management directives and branch goals. Solve complex issues related to customer transactions. Serve as trainer/mentor to new hires; provide ongoing coaching/training to advisors. Perform regular Universal Banker duties in conjunction with supervisory responsibilities. Represent the Bank to the customer in a courteous, professional manner in face-to-face and telephone communications. Provides timely, efficient, and accurate service in processing transactions in accordance with all regulations, policies and procedures. Maintain expert knowledge of bank processes, products and services, as well as banking regulations including Bank Secrecy Act (BSA). Develop and enhance customer relationships to identify cross selling and referral opportunities. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through support of local organizations and events. Duties * Supervise Universal Banker activities based on management objectives and branch goals. * Display a high degree of initiative and influence others to deliver excellent customer experience, both internal and external. * Ability to solve complex issues related to transaction processing, new account opening and maintenance and customer needs. * Train and mentor new hires; provide ongoing training to advisors. * Approve system over-rides. * Responsible for proof operations. * Process customer transactions, customer initiated account maintenance and all other tasks associated with customer requests. * Report suspicious transactions or unusual occurrences to supervisor. * Complete customer initiated account maintenance and all other tasks associated with customer requests. * Recommend bank products and services to meet customer's changing needs. * Train on vault responsibilities for management of cash inventories * Efficiently gather customer information, identify financial needs, and educate customer on products and services. Recommend products based on the customer's needs. * Originate new deposit accounts including checking, savings, ATM/Debit Cards, money market, CDs, IRAs and commercial accounts. * Originate and provide advice on consumer loan products including personal loans, installment loans, home equity loans and lines of credit. * Originate business deposit accounts, associated services and refer additional products and service to Treasury Management or Business Banker. * Process basic life events including distribution of customers' estates to beneficiaries from any deposit account. Recommend referrals to trust department when appropriate. * Educate customers on digital banking services and encourage electronic banking and e-statement adoption. * Develop long-standing relationships with customers by providing Exceptional Service and Sensible Advice through knowledge of bank products and services such as business, commercial and mortgage lending as well as trust services. * Participate in all office marketing and sales projects and promotions. * Partner with branch advisors to uncover customer needs and cross-sell opportunities. * Effectively use risk management tools to mitigate risk and minimize exposure to loss. Report unusual activity following established procedures. * Maintain established controls such as identification procedures, check holds, and all other pertinent verification necessary to transact business. * Promptly address customer questions and concerns through investigation. Report to management to formulate corrective action. * Conduct and document periodic risk reviews and run reports as needed. * Perform all work in compliance with established regulations, policies, and established procedures. * Maintain customer privacy and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, sales training, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. * Other duties as assigned. Qualifications & Skills * High school diploma or equivalent * 3+ years of experience as a Universal Banker or the equivalent preferred; supervisory experience preferred. * Must successfully complete consumer lending training and consistently demonstrate the required level of mastery of the lending products and processes. * Strong sales initiative and ability to develop ongoing customer relationships. * Present a professional image and communicate effectively with the public, co-workers, management, customers and others in a courteous, positive and professional manner. * Ability to read, process, understand and apply written training material content to daily activity. * Ability to follow detailed instructions and a wide range of procedures requiring sound judgment. * Ability to perform basic mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Adaptability & Flexibility * Prospecting and Referring * Educating Others * Teamwork * Problem Solving * Risk Assessment Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demand: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, printer and telephone. 90-100% Able to remain in upright stationary position at counter height of approximately 48" for long periods of time. 50-75% Able to grasp, move and sort forms and papers. 90- 100% Regularly move about the branch to access teller line, file cabinets, storage drawers and various office equipment, such as cash counters and printers. 75-100% Occasionally position self to reach heights between floor and 6'. Must be able to lift up to 50 pounds at a time. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

Assist customers in securing conventional, lot, construction and FHA/VA/USDA residential mortgage loans in accordance with company policies and established Standard Operating Procedures (SOPs). Ensure compliance with state and federal regulations while meeting sales goals. Responsible for all aspects of the Mortgage Loan Origination process including accurate, efficient and timely handling from receipt of the loan application to attending the closing. Must attain and maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry). Work within a team to ensure loans progress through the pipeline efficiently and effectively and close within the rate-lock period. Principal Accountabilities Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and volume of loans closed. Identify financial objectives and refer clients to other bank services. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events. Duties * Develop and execute effective marketing plans to meet or exceed mortgage loan production goals. * Market, service and promote the bank's mortgage products, including the solicitation of residential first mortgages through contacts with Realtors, builders, developers, closing agents, social media and other referral sources. * Independently monitor trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both conventional and government insured mortgages. * Interview potential borrowers applying for residential mortgage loans to understand their needs. * Analyze and screen preliminary loan requests on varied types of mortgage loans to determine which products best meet the customer's needs and financial circumstances. Provide advice regarding the advantages and disadvantages of different financial products and recommend the most appropriate mortgage loan program for the customer. * Outline loan terms and conditions, and inform prospective borrowers of loan commitment. * Enter loan application into LOS (Loan Operating System), order credit reports, and upload to AUS (Automated Underwriting System). Collect critical documents from borrower and submit loan applications for processing and underwriting approval. * Once loan is underwritten, receive stipulations and assist to clear them. * Monitor the loan pipeline, tracking loans in process to ensure required documents are secured to ensure timely completion of the loan. * Communicate regularly with customers regarding progress of loan and items needed for loan approval. Address customer questions and concerns through investigation and corrective action. * Periodically run AUS reports to ensure loans continue to have a favorable result once loan documents are submitted * Communicate with Processor to schedule closing appointments. Travel to conduct closings with buyers, sellers, real estate agents, attorneys and others. * Provide credit counseling to delinquent or non-qualifying customers. * Develop and maintain knowledge of other bank products and services in order to effectively identify referral opportunities. * Maintain file coverage for team members out of office and perform other duties as assigned. * Report suspicious transactions or unusual occurrences to supervisor. * Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions. * Maintain customer confidence and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. Qualifications & Skills * High school diploma or equivalent with a minimum of 3 years residential mortgage loan experience or satisfactory completion of Horizon Bank's in-house Jr. MLO training (when available). College degree in business, finance or related field of study preferred. * Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending, conventional, lot, construction and FHA/VA/USDA loan programs. * Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers. * Ability to follow detailed instructions and adhere to a wide range of procedures and regulations requiring sound judgement. * Ability to perform complex mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Adaptability & Flexibility * Decision Making and Judgment * Relationship Building * Attention to Detail * Prospecting and Referring * Accountability Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demands: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Able to grasp, move and sort forms and papers.. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone. 90-100% Able to remain stationary at a desk for long periods of time 75-100% Regularly move about the office to access file cabinets, storage drawers and various office equipment. 75-100% Occasionally position self to reach heights between floor and 6.' Travel to customer homes, businesses, community events and closing locations as required to meet or exceed referral, customer service and sales goals. 25-75% Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

The Universal Banker Supervisor will support the operations of the Universal Banker team as delegated by management, and solve complex issues related to customer transactions. Serve as trainer/mentor to new hires; provide ongoing coaching/training to advisors. Perform regular Universal Banker duties in conjunction with supervisory responsibilities. Process customer transactions and new account opening timely, efficiently, and accurately. Complete customer initiated account maintenance and all other tasks associated with customer requests. Originate new deposit accounts and consumer loans. Responsible for initiating, enhancing and maintaining customer relationships by providing Exceptional Service and Sensible Advice. Able to probe for information regarding customer's needs and provide effective solutions. Must demonstrate a high of degree initiative and leadership and mastery of bank products and services, taking responsibility to keep up-to-date on changes. Universal Banker Supervisor generally has 3+ years of banking experience or professional sales experience in a service-oriented environment. Principal Accountabilities Provide on-site supervision to enhance a positive teamwork environment, focusing on Universal Banker activities, management directives and branch goals. Solve complex issues related to customer transactions. Serve as trainer/mentor to new hires; provide ongoing coaching/training to advisors. Perform regular Universal Banker duties in conjunction with supervisory responsibilities. Represent the Bank to the customer in a courteous, professional manner in face-to-face and telephone communications. Provides timely, efficient, and accurate service in processing transactions in accordance with all regulations, policies and procedures. Maintain expert knowledge of bank processes, products and services, as well as banking regulations including Bank Secrecy Act (BSA). Develop and enhance customer relationships to identify cross selling and referral opportunities. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through support of local organizations and events. Duties * Supervise Universal Banker activities based on management objectives and branch goals. * Display a high degree of initiative and influence others to deliver excellent customer experience, both internal and external. * Ability to solve complex issues related to transaction processing, new account opening and maintenance and customer needs. * Train and mentor new hires; provide ongoing training to advisors. * Approve system over-rides. * Responsible for proof operations. * Process customer transactions, customer initiated account maintenance and all other tasks associated with customer requests. * Report suspicious transactions or unusual occurrences to supervisor. * Complete customer initiated account maintenance and all other tasks associated with customer requests. * Recommend bank products and services to meet customer's changing needs. * Train on vault responsibilities for management of cash inventories * Efficiently gather customer information, identify financial needs, and educate customer on products and services. Recommend products based on the customer's needs. * Originate new deposit accounts including checking, savings, ATM/Debit Cards, money market, CDs, IRAs and commercial accounts. * Originate and provide advice on consumer loan products including personal loans, installment loans, home equity loans and lines of credit. * Originate business deposit accounts, associated services and refer additional products and service to Treasury Management or Business Banker. * Process basic life events including distribution of customers' estates to beneficiaries from any deposit account. Recommend referrals to trust department when appropriate. * Educate customers on digital banking services and encourage electronic banking and e-statement adoption. * Develop long-standing relationships with customers by providing Exceptional Service and Sensible Advice through knowledge of bank products and services such as business, commercial and mortgage lending as well as trust services. * Participate in all office marketing and sales projects and promotions. * Partner with branch advisors to uncover customer needs and cross-sell opportunities. * Effectively use risk management tools to mitigate risk and minimize exposure to loss. Report unusual activity following established procedures. * Maintain established controls such as identification procedures, check holds, and all other pertinent verification necessary to transact business. * Promptly address customer questions and concerns through investigation. Report to management to formulate corrective action. * Conduct and document periodic risk reviews and run reports as needed. * Perform all work in compliance with established regulations, policies, and established procedures. * Maintain customer privacy and protect bank operations by keeping information private and confidential. * Participate in ongoing skill, sales training, compliance, risk management and security training as required for the position and apply knowledge in daily tasks. * Other duties as assigned. Qualifications & Skills * High school diploma or equivalent * 3+ years of experience as a Universal Banker or the equivalent preferred; supervisory experience preferred. * Must successfully complete consumer lending training and consistently demonstrate the required level of mastery of the lending products and processes. * Strong sales initiative and ability to develop ongoing customer relationships. * Present a professional image and communicate effectively with the public, co-workers, management, customers and others in a courteous, positive and professional manner. * Ability to read, process, understand and apply written training material content to daily activity. * Ability to follow detailed instructions and a wide range of procedures requiring sound judgment. * Ability to perform basic mathematical computations using various business machines and/or computers. * Must have proficient typing and computer skills. Core Competencies * Adaptability & Flexibility * Prospecting and Referring * Educating Others * Teamwork * Problem Solving * Risk Assessment Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demand: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, printer and telephone. 90-100% Able to remain in upright stationary position at counter height of approximately 48" for long periods of time. 50-75% Able to grasp, move and sort forms and papers. 90- 100% Regularly move about the branch to access teller line, file cabinets, storage drawers and various office equipment, such as cash counters and printers. 75-100% Occasionally position self to reach heights between floor and 6'. Must be able to lift up to 50 pounds at a time. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI

At Horizon Bank, we're not just about banking; we're about empowering dreams and transforming lives when we Go Beyond! Our passion lies in creating meaningful connections with our clients and providing financial solutions that pave the way to success. We're a dynamic team, dedicated to redefining the banking experience by going beyond and making a real difference in the lives of individuals and businesses alike. Are you ready to embark on an exciting journey where every interaction is an opportunity to make an impact? As a Universal Banker at Horizon Bank you'll be at the forefront of a culture of exceptional service, where creativity meets expertise and relationships are the heart of everything we do. We're seeking passionate individuals who thrive in a fast-paced environment, possess unparalleled people skills, and are driven by a desire to help others achieve their financial goals. Benefits: * Competitive salary with performance-based bonuses - your success is our success! * Comprehensive benefits package, including health, dental, and vision insurance, as well as retirement plans and paid time off. * Opportunities for professional growth and development, with access to ongoing training. * Join a vibrant and inclusive team culture where your ideas are valued, and your voice is heard. You can join one of our Employee Resource Groups where our diversity is celebrated. Job Overview Responsible for processing customer transactions, completing customer initiated account maintenance and all other tasks associated with customer requests. Originate new deposit accounts and consumer loans. Responsible for initiating, enhancing and maintaining customer relationships by providing Exceptional Service and Sensible Advice. Able to probe for information regarding customer's needs and provide effective solutions. Maintain a well-developed working knowledge of bank products and services, taking responsibility to keep up-to-date on changes. Universal Bankers generally have one year of banking experience or professional sales experience in a service-oriented environment. Duties * Be the face of Horizon Bank delivering unparalleled service and building lasting relationships with our valued clients. * Serve as a trusted advisor, understanding each customer's unique financial needs and tailoring solutions to help them achieve their goals. * Dive into the world of banking transactions, confidently handling everything from deposits and withdrawals to loan applications and account openings. * Embrace your inner marketer, promoting our suite of products and services with enthusiasm and creativity to drive customer engagement and satisfaction. * Stay ahead of the curve by continuously expanding your knowledge of banking products, services, and industry trends. * Collaborate with a team of like-minded professionals to exceed branch goals and deliver exceptional results. Qualifications & Skills * High school diploma or equivalent required; additional education or certifications a plus. * 1+ years of experience in banking, payment processing, or professional sales preferred. * Strong sales initiative and the ability to develop lasting customer relationships. * A magnetic personality and a genuine passion for helping others succeed. * Excellent communication skills, both verbal and written, with the ability to captivate and inspire. * A knack for problem-solving and the ability to think on your feet in a fast-paced environment. * Proficiency in basic mathematical computations and computer literacy. * Ability to follow detailed instructions and procedures with sound judgment. * Flexibility to work Saturdays because we Go Beyond Core Competencies * Consultative Sales * Product Knowledge * Effective Questioning * Prospecting and Referring * Relationship Building * Results Focused Physical Requirements Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA). Physical Demand: Percentage of Time: Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others. 90-100% Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility. 90-100% Constantly operate a computer and other office machinery such as calculator, copy machine, printer and telephone. 90-100% Able to remain in upright stationary position at counter height of approximately 48" for long periods of time. 50-75% Able to grasp, move and sort forms and papers. 90- 100% Regularly move about the branch to access teller line, file cabinets, storage drawers and various office equipment, such as cash counters and printers. 75-100% Occasionally position self to reach heights between floor and 6'. Must be able to lift up to 50 pounds at a time. Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #LI-DNI