Job Overview
Responsible for supporting the underwriting of direct and indirect consumer loan applications while providing customer service to Horizon Bank branch advisors and dealership staff. This entry-level role assists in the evaluation of secured and unsecured Consumer Lending products (HELOCs, HE term loans, direct auto/vehicle loans, mobile home loans, unsecured loans, lines of credit and other approved products) under the guidance of experienced underwriters.
This position is designed to provide individuals with banking or financial services experience the opportunity to learn consumer underwriting from the ground up, including credit analysis, loan structuring, regulatory compliance, and operational processes.
Principal Accountabilities
Support the Consumer Lending team in achieving production, efficiency, and service goals by assisting in the underwriting and processing of loan applications. Work closely with senior underwriters and management to develop credit analysis skills and decision-making abilities.
Provide high-quality customer service to internal partners and external clients while learning to evaluate risk, structure loans, and communicate credit decisions effectively.
Participate in training and development programs to build foundational underwriting knowledge, including lending products, credit policies, and regulatory requirements.
Ensure adherence to compliance standards, including Bank Secrecy Act (BSA), and maintain confidentiality of customer and account information.
Duties
- Assist in analyzing consumer credit reports and loan applications to support underwriting decisions.
- Review loan applications for completeness and accuracy; follow up with branch staff or dealers for missing information.
- Review supporting documentation (income verification, tax returns, and other required documents).
- Complete the initial Appraisal Review by completing worksheets for final review.
- Support senior underwriters in preparing loan recommendations and documentation.
- Learn to evaluate loan risk and apply underwriting guidelines under supervision.
- Communicate with branch advisors and dealership partners regarding application status and documentation needs.
- Help monitor pipeline activity to ensure loans move through the process in a timely manner.
- Provide excellent customer service and maintain professional communication in all interactions.
- Identify cross-sell opportunities and refer to appropriate partners when applicable.
- Participate in team training sessions and actively engage in learning opportunities.
- Maintain accuracy and attention to detail with minimal errors as skills develop.
- Assist with other departmental tasks and projects as assigned
Personnel Management
TRAINING & DEVELOPMENT EXPECTATIONS
- Complete structured onboarding and training program focused on consumer lending products, underwriting guidelines, and systems
- Progressively assume greater responsibility in credit analysis and decision-making
- Demonstrate increasing independence in handling loan files over time
- Participate in ongoing coaching and feedback sessions with senior underwriters and management
- Build foundational knowledge of regulatory requirements (Reg B, Reg Z, Fair Lending, etc.)
Qualifications & Skills
- Assist in analyzing consumer credit reports and loan applications to support underwriting decisions.
- Review loan applications for completeness and accuracy; follow up with branch staff or dealers for missing information.
- Review supporting documentation (income verification, tax returns, and other required documents).
- Complete the initial Appraisal Review by completing worksheets for final review.
- Support senior underwriters in preparing loan recommendations and documentation.
- Learn to evaluate loan risk and apply underwriting guidelines under supervision.
- Communicate with branch advisors and dealership partners regarding application status and documentation needs.
- Help monitor pipeline activity to ensure loans move through the process in a timely manner.
- Provide excellent customer service and maintain professional communication in all interactions.
- Identify cross-sell opportunities and refer to appropriate partners when applicable.
- Participate in team training sessions and actively engage in learning opportunities.
- Maintain accuracy and attention to detail with minimal errors as skills develop.
- Assist with other departmental tasks and projects as assigned
Core Competencies
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)
Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others.
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.
Able to grasp, move and sort forms and papers.
Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone.
Able to remain stationary at a desk for long periods of time.
Regularly move about the office to access file cabinets, storage drawers and various office equipment.
Occasionally position self to reach heights between floor and 6’
Travel to meet with branch staff and/or attend meetings Some overnight travel may be required.
Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer.
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Job Reference: HRN02084
