Community banking, modernized

• 
Collateral Tracking: Online collateral descriptions provide 
valuable information to the user regarding security for 
loans. Additionally, the relational structure of HORIZON’s 
collateral features enables you to track outstanding lines 
easily by concentration of collateral positions.
INTEGRATED LENDING MANAGEMENT
• 
Collections: The Universal Loans component is fully 
integrated with the HORIZON Collection application to 
ensure timely input, maintenance, review and tracking 
of collection activity.
• 
Rate Index: HORIZON allows your lending team to tie 
loan rates to various industry rate indices. Indices can 
be tied to positive or negative variances with ceiling 
and floor capabilities. Accrual adjustments are 
automatically processed for backdated rate changes.
• 
Tickler Function: The HORIZON notes function allows 
creating ticklers for tracking of collateral, UCC filings, 
insurance, notices and officer call reporting.
• 
Credit Bureau Reporting: Automated Credit Bureau 
Reporting supports reports to multiple credit bureaus 
in the industry standard Metro 2 format.
• 
Online Access: Online inquiry and history is 
immediately available for all account types, including 
original amount, current balance, payment amount, 
rate, maturity and other pertinent information.
Mortgage servicing
Another major component of the HORIZON Lending 
Management solutions is mortgage servicing, which 
includes all the features and functions required to meet 
the expectations of the most demanding mortgage 
servicers. FHLMC, GNMA, FNMA and private mortgage 
processing are all supported. 
11 
HORIZON BANKING SYSTEM

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Other features and functions of the HORIZON integrated 
lending include: