Job Overview Responsible for all aspects of the Consumer Loan process, including accurate, efficient and timely processing from receipt of the loan application to preparing the file for closing and disbursement of loan funds, in compliance with state and federal regulation and company policies and established Standard Operating Procedures (SOPs). Work within a team to ensure loans progress through the pipeline efficiently and effectively. Principal Accountabilities Process and prepare loan documentation for home equity, auto, unsecured and other consumer loans. Support sales and mortgage department personnel as needed. 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 Receive loan applications via MeridianLink and Consumer Lending Enter Loans into Laser Pro System, keeping it up to date at all times Maintain loan pipeline, tracking loans in process to ensure timely completion Order critical documents and vendor items, including but not limited to appraisals, title work, flood certs, and consumer disclosures, accurately prepare loan documents, TRID Loan Estimates, HELOC early disclosures and calculate fees to be collected for new loans and loan payoffs. Verify approval conditions prior to releasing loan documents. Assign APR on term loans within applicable tolerance. Maintain residential appraisal licenses and vendor files. Prepare disbursement checks and arrange wire transfers. Maintain file coverage for team members out of office, provide back up support for consumer declines, credit score disclosure letters, scanning files into Nautilus imaging system. Monitor and respond to DocPrep emails. 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. Prior banking or mortgage industry experience required. Prior loan experience strongly preferred. College degree in business, finance or related field of study preferred. Knowledge of agency guidelines and industry standards as they relate to consumer and mortgage 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 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 Effective Questioning Analytical Thinking Time Management Decision Making Teamwork Physical Requirements Reasonable accommodations 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% 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' <25% Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer. #

LI-DNI Job Reference:

HRN02127