Horizon Bank
  • - Audit
  • Michigan City, IN, USA
  • Full Time

JOB OVERVIEW
The staff auditor is responsible for ensuring that audits are performed in accordance with department standards. Perform audits in accordance with established schedule. Assist with the preparation of reports of findings. Conduct audits of monthly risk reviews. May complete advisor account reviews, branch monthly risk reviews, branch audits, quality control audits or other audits as assigned.


PRINCIPAL ACCOUNTABILITIES
Execute audits through the development of work papers and other materials that meet department and professional practice requirements, and prepare audit reports including a summary of findings and recommendations for management and the Audit Committee. Anticipate and implement changes to the testing plans as a result of changes in the bank's business environment including regulatory changes. Partner with internal and external auditors and regulators as necessary.
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 all applicable regulations, compliance standards, quality of documentation, as well as timeliness and volume of audit activity. 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
• Perform quality control - secondary market reviews including post-closing, pre-funding, servicing and review of denied loans to determine file documentation is in compliance with secondary market guidelines and applicable laws and regulations.
• Prepare quality work papers supporting the results of the audit-based testing
• Assist in the preparation of report of findings and recommended action steps to resolve the issues identified.
• Contribute to development and maintenance of internal audit and quality control audit policies and procedures
• Maintain internal audit related files and documents
• Conduct additional audit/compliance testing as requested
• Attend internal and external training programs related to job responsibilities and as required to maintain professional designations
• Provide management with weekly, monthly and quarterly reports as directed.
• Accountable for ensuring adherence to established regulations, policies, procedures, and instructions. Report suspicious transactions or unusual occurrences to supervisor. 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 and projects assigned


QUALIFICATIONS AND SKILLS
• 2 year business or finance related degree and at least one year of relevant work experience, or equivalent. Prior audit and banking experience preferred.
• Knowledge of bank regulations, including mortgage underwriting, Fannie Mae, FHA and USDA lending guidelines. Possess a demonstrated commitment to learning.
• Effective written, verbal and interpersonal communication skills are required. Ability to present information with diplomacy and tact.
• Strong research, analytical and problem-solving skills
• Exhibit a high level of customer service orientation. Display a friendly and personable demeanor and a high degree of integrity. Must be trustworthy, conscientious, courteous, of stable temperament, self-motivated, highly organized and be accountable for personal conduct, actions and decisions.
• Ability to work independently and as part of a team.
• Proficient with Microsoft Office software applications, including Word and Excel


CORE COMPETENCIES
• Analytical Thinking • Risk Assessment
• Attention to Detail • Time Management
• Regulatory Compliance • Written Communications


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. Able to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. 75% - 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 branch. Able to grasp, move and sort forms and papers. 75% - 100%
• Operate a computer and other office machinery such as calculator, copy machine, printer and telephone 75% - 100%
• Regularly move about the office to access file cabinets, storage drawers and various office equipment 50% - 100%
• Able to study, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Able to write reports, business correspondence, and procedure manuals. 50% - 75%
• Able to remain in stationary position 50% - 75%
• Occasionally position self to reach heights between floor and 6' <25%
• Occasional travel to other Horizon locations or to attend training. Some overnight travel may be required. <10%

This Job Description reflects management's assignment of duties and responsibilities.

 

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