Careers

Position: Business (Commercial) Banker

Location: Citizens Independent Bank

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 career with us.  We are seeking a Business Banker to join the CIB team!

BASIC FUNCTION

This position is responsible for establishing new banking relationships with corporations, partnerships, individuals doing business, not-for-profit organizations, and associations. The incumbent must have complete knowledge of all commercial products and services including credit products, deposit/investment products, cash management, other commercial services, and the bank fee schedule. The incumbent is responsible for assigned floor duty to service walk-in customers, but also spends a significant amount of time out of the bank in the offices of existing clients, servicing existing business, developing new business, calling on prospective clients, and networking in various ways in the community. The incumbent should also be involved with a community organization that meets our CRA requirements.

NATURE AND SCOPE

This is a front line sales position for all commercial deposit/investment, credit, and cash management products.

Commercial business is brought into the bank through personal interaction of the Commercial Banker with the customer/prospect. The banker must match the product and service with the customer/prospect's identified needs and must carefully evaluate the amount of risk involved in entering into a relationship. The incumbent must understand the business/industry the customer is in and must gain a thorough knowledge of the customer/enterprise history and future plans. The loan administration unit has been organized to assist in the evaluation and approval process. Lending authority will be given to the incumbent based on their training and experience. Requests which exceed this limit must be approved by the Dept Manager or the Officers Loan Committee. Certain requests may require approval by the Directors Credit Committee.

The incumbent must administer all loans within legal and regulatory requirements, the bank's loan policy, procedure policy, and stipulations established by the Officers Loan Committee and Directors Credit Committee.

RELATIONSHIPS

Within Citizens Independent Bank: Must be a team player in providing floor coverage, in opening and securing the bank, and in scheduling outside calls.

Within the Community: Active in community organizations including service clubs and Chamber of Commerce in representing the bank as a good corporate citizen and to network for new business opportunities. Community involvement should meet CIB’s CRA requirements. Work closely with customers in establishing strong business relationship and cultivate customer loyalties while being constantly diligent in evaluating the risks in the relationship.

PREFERRED REQUIREMENTS

A college degree and/or 5 to 10 years of job related experience in business (commercial lending). The ability to motivate or influence others is a material part of the job requiring a significant level of diplomacy and trust.

BENEFITS:

• People come first - our clients, our employees, our families, our communities
• Rewarding and challenging work
• Work-life balance is important with hybrid work arrangement for eligible positions
• We strive to promote from within
• Employee education and training is vital
• Full benefits including medical, dental, vision, 401k with match, LTD and STD, employer paid life insurance, paid holidays and half-day off for birthday, generous PTO allowance
• Incentive Compensation Plan
• Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth
• 75 years of local banking history
• Opportunity to participate in fun community activities

Salary Range:  $110,000 - $160,000 depending on experience and qualifications 

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 accommodations 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: Sr. Credit Analyst

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 career with us. We are seeking a Sr. Credit Analyst to join the CIB Team!

POSITION OVERVIEW:

The Sr. Credit Analyst will assist with the underwriting of credit requests by preparing credit approval presentations which accurately assess the borrower’s credit risk. Analysis includes risk rating analysis, overall borrower analysis, guarantor cash flow analysis via assessment of personal financial statements and tax returns, cash flow analysis for both companies and commercial real estate, evaluations of financial statement metrics, and analysis of financial projections, as appropriate. Additionally, the incumbent will also be required to spread/analyze interim and year-end financial statements, as directed.

RESPONSIBILITIES AND DUTIES:

• Prepare written credit approval presentations and annual reviews in a concise but complete format, identifying any major trends and concerns as needed.
• Work with the relationship managers to ensure timely completion of spreads for interim and year-end financial statements, personal financial statements, and tax returns as directed.
• Coordinate with the Chief Credit Officer to ensure timely completion of month-end reports as instructed.
• Assist with the administration of workout (AUW) credits including, but not limited to, completion of problem loan reports, documentation reviews, file, and collateral audits, as requested.
• As a member of the appraisal committee, candidate will order appraisals, conduct appraisal reviews, and internal real estate evaluations.
• Perform other duties as assigned.

PREFERED QUALIFICATIONS:

• Bachelor’s degree or equivalent; or four to ten years related experience and/or training; or equivalent combination of education and experience.
• Minimum of five years credit analyst experience preferred
• Knowledge of financial spread sheet software, Moody’s and/or Baker/Hill is preferred.
• Proficient use of Microsoft computer applications to include Word and Excel.
• Effective verbal and written communication skills, ability to maintain confidentiality of information.
• Formal credit/cash flow analysis training is preferred.
• Ability and willingness to discuss financial and collateral issues which may arise with relationship managers, credit officers, and customers.
• Collateral audit experience is preferred.
• Excellent written, verbal, and analytical skills.

Ability to read, analyze, and interpret moderately complex financial documents. Ability to write reports and business correspondence. Ability to effectively present information to management and respond to sensitive inquiries or complaints. Ability to define problems, collect data establish facts, and draw valid conclusions.

Employee may occasionally lift and/or move up to 25 pounds.

BENEFITS:

• People come first - our clients, our employees, our families, our communities
• Rewarding and challenging work
• Work-life balance is important
• We strive to promote from within
• Employee education and training is vital
• Full benefits including medical, dental, vision, 401k with match, LTD and STD, employer paid life insurance, paid holidays and half-day off for birthday, generous PTO allowance
• Incentive Compensation Plan
• Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth
• 75 years of local banking history
• Opportunity to participate in fun community activities

We are committed to providing salary ranges for all open positions. Please note that the specific compensation for this role will be determined based on your experience, qualifications, and internal equity considerations. The starting salary range for this position is $75,000 - $95,000.

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 accommodations 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: Deposit Operations Associate - Operations Specialist

Location: Robbinsdale

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 career with us.

We are seeking a Deposit Operations Associate/Operations Specialist.  A Deposit Operations Associate must be a team player who is supportive of the Mission, Vision, and Core Values of CIB. This position is responsible for providing a full range of professional, technical and general support for consumer and business customers, and other departments within the bank. The position requires a self-starter with the ability to exercise independent judgement. The incumbent will be organized and can multi-task with a sense of urgency to ensure critical daily deadlines are met.

The position requires exceptional customer service skills and consistently maintain a positive attitude. They work closely with customers, co-workers, and across departments. This requires that the incumbent have strong interpersonal, verbal, and written communication skills.

The incumbent for this position will need to think critically and be able to easily identify patterns of suspicious or fraudulent activity.  Accuracy and attention to detail are critical to success in this role.

Primary Responsibilities:

• Act as primary point of contact for Online Services set up, maintenance, and troubleshooting for both consumer and business customers.
• Provide maintenance for consumer and business customers and handle other administrative duties as needed.
• Identify opportunities for process improvements within the department.
• Provide support to customers and staff across various channels including, but not limited to, secure messaging, online banking, email, and phone.
• Process and perform maintenance on non-posted items, stop payments and holds.
• Monitor Online Services for fraudulent or suspicious activity.
• Provide backup coverage for the Cash Management Specialist, including Cash Management implementation and maintenance.

Additional Responsibilities:

• Complete research requests and various projects as needed.
• Update procedures as needed.
• Other duties/projects as requested.

Qualifications and Attributes:

• High school diploma or GED Required
• Additional post-secondary training is preferred
• Two years prior banking experience required
• Prior customer service experience preferred
• Proactive self-starter with an ability to manage multiple responsibilities and reprioritize based on new information and shifting deadlines. 
• Excellent judgment, independent thinking, and problem-solving skills.
• Proficient in Microsoft Office: Word, Excel and Outlook
• Provide outstanding customer service with a positive attitude
• Ability to work under pressure
• Ability to multi-task
• Ability to easily adapt to changing technological products, features, and procedures within the Financial Industry
• Must be dependable and able to work a rotating Saturday morning.
• Must be able to work under time constraints, use good judgement, and act in a tactful, professional manner while dealing with customers and fellow employees
• Ability to read, write, and understand policy and procedure manuals. Ability to communicate information to managers. Ability to respond to sensitive customer inquiries or complaints.

Culture:

To be a successful Team Member you should believe that you can thrive within a culture that:

• Champions our goals and mission to be a high-performance community bank
• Embraces accountability – We do what we say we will do
• Puts people first. Our clients, our employees, our families, our communities.
• Wants employees to have work that is rewarding and challenging
• Encourages employees to provide solutions and provide an exceptional customer experience
• Looks to promote from within
• Supports ongoing employee education

Benefits:

• People come first - our clients, our employees, our families, our communities
• Rewarding and challenging work
• Work-life balance is important
• We strive to promote from within
• Employee education and training is vital
• Full benefits including medical, dental, vision, 401k with generous match, LTD and STD, employer paid life insurance, paid holidays and half-day off for birthday, and generous PTO allowance.
• Incentive compensation plan for all employees in bank
• Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth
• Work for a community bank with over 75 years of local banking history
• Opportunity to participate in fun community activities

Starting salary range: $22.00 - $28.00 depending on qualifications.

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 accommodations 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: Tellers - Plymouth and Robbinsdale Branch

Location: Plymouth and Robbinsdale

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 career with us.  We are seeking Tellers to join the Robbinsdale and Plymouth teams!

QUALIFICATIONS
To perform this job successfully, a Bank Teller must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Process paying and receiving functions
• Build rapport with customers, identify their needs, and refer them to bankers for appropriate products and services
• Accepts and process payments
• Issues Cashier's Checks, Money Orders, Certified Checks, Gift cards, and Travel cards.
• Balancing of teller drawers and machines
• Process coin orders, and coin charges
• Redeem U.S. Savings Bonds
• Answer phone inquiries
• Balance the ATM
• Process cash advances.
• Perform other activities as requested

REQUIREMENTS

Customer service & cash handling experience, exceptional customer service skills & good figure aptitude. Must be flexible & available Monday - Friday, and rotating Saturday mornings.

EDUCATION AND/OR EXPERIENCE

• High school graduate or GED
• Previous cash handling work experience preferred
• Basic math proficiency and aptitude
• Dedication to providing excellent customer service
• Dedicated and satisfactory attendance/punctuality

BENEFITS

• People come first - our clients, our employees, our families, our communities
• Rewarding and challenging work
• Work-life balance is important
• We strive to promote from within
• Employee education and training is vital
• Full benefits including medical, dental, vision, 401k with match, LTD and STD, employer paid life insurance, paid holidays and half-day off for birthday, generous PTO allowance
• Incentive compensation plan for all bank employees
• Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth
• Work for a community bank with over 70 years of local banking history
• Opportunity to participate in fun community activities

Starting Salary Range:  $19.00 - $22.00 per hour depending on experience and qualifications

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 accommodations 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