Careers

Position: Mortgage Operations Manager

Location: St. Louis Park

At Citizens Independent Bank, we believe in the power of community and the importance of building meaningful relationships. Our commitment to providing exceptional customer experiences is at the heart of everything we do, ensuring that every interaction is personal and impactful. We are dedicated to the growth and development of our employees, offering opportunities for training and advancement in a collaborative, supportive environment. If you're passionate about making a difference in your community and helping others thrive, we invite you to explore a role with us.

We are seeking a Mortgage Operations Manager responsible for overseeing the daily operations of the mortgage department to ensure efficient processing, underwriting, closing, and servicing support functions. This position provides leadership to mortgage operations staff while ensuring compliance with federal and Minnesota banking regulations, investor guidelines, and internal policies. The Mortgage Operations Manager plays a key role in supporting production goals, improving operational efficiencies, and delivering an exceptional customer experience consistent with the values of a Minnesota community bank. 

KEY RESPONSIBILITIES:

• Manage the daily operations of the mortgage processing, underwriting, closing, and post-closing functions.
• Supervise, coach, and develop mortgage operations staff to ensure high performance and professional growth.
• Monitor workflow pipelines to ensure timely and accurate loan processing and closings.
• Ensure compliance with all federal and Minnesota state mortgage regulations including TRID, RESPA, HMDA, ECOA, SAFE Act, and fair lending requirements.
• Develop, implement, and maintain operational procedures and internal controls to support regulatory compliance and operational efficiency.
• Partner with mortgage lenders, underwriters, secondary market personnel, and executive leadership to support production and service goals.
• Review and monitor loan quality, exception reporting, and audit findings to identify operational improvements and reduce risk.
• Manage relationships with third-party vendors including title companies, appraisal management companies, document preparation vendors, mortgage insurance companies, contract underwriting vendors and investors.
• Optimize LOS, document management, imaging and workflow systems.
• Assist with preparation for internal audits, regulatory examinations, and investor reviews.
• Maintain knowledge of secondary market guidelines, portfolio lending standards, and mortgage servicing requirements.
• Analyze department performance metrics and prepare management reports related to loan volume, turn times, quality control, and operational efficiency.
• Recommend and implement process improvements and technology enhancements to improve customer service and operational effectiveness
• Support training initiatives related to mortgage systems, compliance updates, and operational best practices.
• Collaborate with other departments to ensure a seamless customer experience across the bank.

QUALIFICATIONS:

• Bachelor’s degree in business, finance, accounting, or related field preferred.
• Minimum of 5 years of mortgage operations experience required.
• Prior management or supervisory experience preferred.
• Strong knowledge of residential mortgage processing, underwriting, closing, and secondary market operations.
• Experience with community banking and portfolio lending preferred.
• Familiarity with Minnesota housing programs and rural lending markets is beneficial.

KNOWLEDGE, SKILLS AND ABILITIES:

• Comprehensive knowledge of federal and Minnesota mortgage lending regulations and compliance requirements.
• Strong leadership, coaching, and team development skills.
• Excellent organizational and project management abilities.
• Strong analytical and problem-solving skills.
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Excellent verbal and written communication skills.
• Proficiency with mortgage loan origination systems, Encompass experience preferred, document imaging systems, and Microsoft Office applications.
• Ability to maintain confidentiality and exercise sound judgment.

PHYSICAL ABILITIES:

• Ability to sit for extended periods and work at a computer.
• Occasional lifting of up to 15 pounds.
• Limited travel for training, meetings, or community banking events may be required.

SALARY & BENEFITS:

• Starting Salary Range: $105,000 - $140,000 DOQ
• Incentive Compensation Plan
• Full benefits: Medical, dental, vision, PFML, STD, LTD, Employer Paid Life Insurance, 401(k) with generous match, paid holidays, generous PTO, Employee Assistance Plan and more.
• Work-life balance
• A collaborative, community-focused culture with over 75 years of local banking history.

Note: Job descriptions are not exhaustive lists of all skills, responsibilities or efforts associated with a job. They reflect principal elements essential for performing the job and evaluating performance. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Apply Now

Position: Receptionist/Administrative Assistant

Location: St. Louis Park

At Citizens Independent Bank, we believe in the power of community and the importance of building meaningful relationships. Our commitment to providing exceptional customer experiences is at the heart of everything we do, ensuring that every interaction is personal and impactful. We are dedicated to the growth and development of our employees, offering opportunities for training and advancement in a collaborative, supportive environment. If you're passionate about making a difference in your community and helping others thrive, we invite you to explore a role with us.

The St. Louis Park Receptionist/Administrative Assistant must provide exceptional customer service skills and be a team player who is supportive of the Mission, Vision, and Values of Citizens Independent Bank (CIB).  The SLP Receptionist/Administrative Assistant operates the switchboard and directs calls to the appropriate department or bank employee.  This position helps ensure a welcoming branch environment, supports daily branch operations, and assists employees across departments.

PRIMARY RESPONSIBILITIES:

This is a front-line service and sales position for all clients visiting the SLP branch, and for phone calls arriving through the SLP switchboard.  The incumbent will be expected to perform the following duties and responsibilities:

• Greet customers in person and over the telephone answering general questions or transferring the customer to the appropriate banking partner.
• Assist customers with routine questions related to bank services, hours, locations, appointments, and general account services processes.
• Assist clients with access to their safe deposit box.
• Prepare coffee and stock beverage supplies in the waiting area and clean area, when needed
• Assist by monitoring incoming and outgoing mail and packages. Prepare FedEx or other shipment labels. Call for package pickups.
• Order flowers or request memorials for bereaved employees, customers or for celebratory events.
• Monitor and deliver faxes that arrive.
• Provide general clerical and administrative support, including filing, scanning, organizing, routing,  copying, data entry, document preparation, and other miscellaneous tasks as requested. 
• Process daily Account Transfer Notifications, Past Due Notices, & Safe Deposit Billing Statements.
• Complete required courses as assigned by the Compliance Officer, BAI courses, as well as attend other training courses and seminars as requested by the Retail Banking Manager.
• Attendance and participation as schedule allows at monthly Retail Credit, Retail Sales, Branch L10, and All-Staff meetings.
• Maintain knowledge of bank products, services, policies, and procedures sufficient to provide accurate general information and appropriate referrals.
• Utilize the bank’s CRM (Client Relationship Management) Tool, as required.
• Participate in the opening, closing and securing of the branch based on a rotating schedule
• Refer nonbank investment product prospects to a licensed representative.
• Maintain NMLS certifications.
• Administer the employee discount program.
• Purchase and set up refreshments for the quarterly All Staff meeting.
• Order lunches for SLP branch or SLP departments, when requested.
• Complete faxed or mailed requests for customer account balance verifications.
• Order name badges, desk plates and business cards for staff.

REQUIREMENTS:

• Meet attendance and scheduling requirements and demonstrate readiness to start work at scheduled time.
• Must be available Monday - Friday, and rotating Saturday mornings.

QUALIFICATIONS AND ATTRIBUTES:

The duties of the bank receptionist/administrative assistant are vital, and require the ability to multi-task. The required skills and abilities necessary for this position include:

• The primary requirement for a bank receptionist/administrative assistant is to have excellent communication and interpersonal skills
• Ability to understand the customers’ needs and must be cordial and empathetic to the customer’s queries and requirements
• Ability to present a friendly and helpful picture of the bank at the first meet.
• Required field knowledge to help the customers.
• Ability to work under pressure since it may be a stressful job from time to time.
• Understanding of the importance of client confidentiality
• Able to build rapport with customers
• Ability to build customer loyalty by seeking long term relationships
• Provide outstanding customer service with a positive attitude
• Ability to keyboard and enter numerical data with speed and accuracy

Education & Experience:

• Must have a high school diploma or GED. Additional post-secondary training is preferred.
• Prior banking or customer service experience is preferred.
• Prior administration experience is preferred

WAGE & BENEFITS:

• Starting Range: $20-23 per hour DOQ
• Incentive Compensation Plan (if hired by July 1 of year, or eligibility starts next year)
• Full benefits: Medical, dental, vision, PFML, STD, LTD, Employer Paid Life Insurance, 401(k) with generous match, paid holidays, generous PTO, Employee Assistance Plan and more.
• Work-life balance
• A collaborative, community-focused culture with over 75 years of local banking history.

Note: Job descriptions are not exhaustive lists of all skills, responsibilities or efforts associated with a job. They reflect principal elements essential for performing the job and evaluating performance. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Apply Now