Careers

Position: Business (Commercial) Banker

Location: Citizens Independent Bank

We're growing our Business Banking team! People make the difference at Citizens Independent Bank! The reason? Our employees embrace the core values of the bank: Honesty & Integrity • Community Social Responsibility • Exceptional Customer Experience • Teamwork & Collaboration. We’re looking for employees who want to become part of our 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
• Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth
• Over 70 years of local banking history
• Opportunity to participate in fun community activities

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: Residential Mortgage Assistant

Location: St. Louis Park

People make the difference at Citizens Independent Bank! The reason? Our employees embrace the core values of the bank: Honesty & Integrity • Community Social Responsibility • Exceptional Customer Experience • Teamwork & Collaboration. We are seeking a Residential Real Estate Assistant (Processing & Servicing) to join the CIB mortgage team.

To perform this job successfully, the Residential, Real Estate Assistant provides support for all mortgage processing and operational needs from origination to closing and file completion.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Reviews new loan applications to make sure all information is correct and application is filled out completely and accurately.
• Collects title fee estimates to properly disclose title fees and all other loan related fees. Will also be responsible to making sure to get early disclosures out in a timely manner.
• Orders and tracks all 3^rd party services on loan is ready to become active. (Title, Appraisal, Insurance, Flood, PMI, etc.)
• Works to clear any outstanding conditions/items that are needed before closing such as credit documents, updated payoff documents, etc.
• This position will work closely with the customer and communicate the loan status regularly via phone and email. Will also work closely on a purchase transaction with seller, realtor, and Title Company.
• Reviews 2015 Itemization and makes sure all fees and escrows (if applicable) are correct before getting loan ready for closing.
• Prepares file for closing by going through checklist and making sure all items are checked off and the file is complete.
• Makes sure to balance CD with title by sending final numbers to title and once balanced also send closing package to title.
• Sends initial and final (if necessary) CD to borrower in compliance with CFPB guidelines.
• Adds all mortgage closings to the Closing Calendar as soon as Processing gets the closing scheduled.
• Makes sure all wires are set up correctly and going to the correct place in a timely manner.
• Makes sure all loans get funded/disbursed on disbursement day and makes sure all invoices get paid promptly.
• Makes sure all new mortgages get scanned to title for e-recording the day of disbursement and that the original gets mailed to title that same day so they can send it in for recording.
• Processes daily servicing functions such as payoff requests, payment inquiries/questions an any other customer phone or email inquiries.
• Drafts Subordination Agreements, Paid in Full Letters and Satisfactions and make sure they get recorded and/or mailed in a timely manner.
• Takes care of getting closed loans sent to Loan Ops on the day of closing or disbursement to get the new loan put on the system.
• Assists Loan Ops with payment type inquiries/issues.
• Assists with Escrow Analysis as needed and is solely responsible for paying out all insurance when it’s due as well as taxes.
• Is responsible for making sure all completed loans are scanned into Encompass (when applicable) and that all completed loans are sent to imaging withing 24 hours of closing.
• Monitors all closed loans and makes sure final title policies are scanned into Encompass and sent to scanning within 24 hours of being received.

QUALIFICATIONS DESIRED

Education/Certification: AA Degree or equivalent from a two-year college or technical school; or equivalent combination of education and experience.

Desired Knowledge and Experience: Understanding of mortgage loan processing and closing functions including FHA, VA, and conventional lending. Knowledge of mortgage related requirements, procedures, and underwriting criteria.

Three years to five years of similar or related experience.

Previous Encompass experience a plus.

Skills/Abilities: Good verbal and public relations skills. Strong typing abilities. Good basic math skills. Able to use related computer applications. Well organized.

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
• 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

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: Teller

Location: Citizens Independent Bank Branches

People make the difference at Citizens Independent Bank! The reason? Our employees embrace the core values of the bank: Honesty & Integrity • Community Social Responsibility • Exceptional Customer Experience • Teamwork & Collaboration. We’re looking for employees who want to become part of our CIB Team!  We are seeking a Teller to join us and work, and float, as needed at our CIB branches.  Our branches are conveniently located in St. Louis Park, Plymouth, Hopkins, and Robbinsdale.

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
• 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

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