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Careers

People make the difference at Citizens Independent Bank! Our average length of service is close to 11 years. The reason? Our employees all embrace the core values of the bank: Honesty & Integrity Community Social Responsibility Exceptional Customer Service Employee Growth Financial Strength.

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  • We put people first. Our clients, our employees, our families, our communities.
  • We want employees to have work that is rewarding and challenging.
  • We support a work-life balance.
  • We look to promote from within.
  • We support ongoing employee education.
  • We offer full benefits including medical, dental, vision, 401k with match, LTD and STD, and PTO.
  • We have convenient locations in St. Louis Park, Robbinsdale, Hopkins, and Plymouth.
  • We have a long history – 70 years and going strong!
  • We participate in fun community activities.
  • We want YOU to be part of the CIB team!

Our communities benefit from our employees, too. With many opportunities for volunteering, we hire the best to continue our core value of demonstrating social responsibility to the communities we serve. Join us to enrich your career and your community!

Benefits

We take care of our people. Whether you are beginning your career or you are an expert in your field, our benefits package is one of the most competitive in the Twin Cities. Our Group Insurance options include medical, dental, vision, life, PTO, and short and long-term disability. We also offer a generous 401(k) match.

To apply online, click the Apply Now link at the end of job posting. 

Current Openings

Customer Service Representative - Online Banking Specialist

Position: Customer Service Representative - Online Banking Specialist

Location: St. Louis Park

The Customer Service – Online Banking Specialist must have excellent Customer Service skills. They work closely with customers, co-workers, and across departments. This requires that the incumbent have strong interpersonal, verbal, and written communication skills.

The Online Banking Specialist is the subject matter expert on all online services including Online Banking, Cash Management, Mobile Banking, Mobile Deposit, and Bill Pay. They will need to think critically and be able to easily identify patterns of suspicious or fraudulent activity.  

Online Services Specialist Primary Responsibilities

  • Online Services set up, maintenance, and troubleshooting
  • Monitor Online Services for fraudulent or suspicious activity through variety of reports
  • Communicate with customers through various online channels including secure messaging and email
  • Work across departments to process website applications and contact requests
  • Review of Unposteds
  • Verify domestic and international wires
  • Verify ACH origination
  • Review customer, account, and internal ACH transaction maintenance
  • Review new deposit account documentation for missing work or errors
  • Review credit card payments
  • Review stop payments placed through the Telebank system
  • Process monthly reviewed account analysis

Online Services Specialist Backup Responsibilities

  • Process ATM and debit card fraud alerts and contact customers to resolve
  • Work closely with Customer Service Manager to determine possible fraud patterns and mitigate risk
  • Enter and Maintain Reg E ATM and debit card disputes with processor and communicate results while meeting deadlines
  • Process ATM deposit adjustments
  • Review OFAC suspect and FINCEN suspect reports
  • Review Large Dollar exception items
  • Process New Account Reg CC Holds
  • Review Manual ACH Transactions
  • Work across departments to process daily checking and savings account overdrafts, and monitor waived fees
  • Process and mail overdraft warning letter requests
  • Process deposit charge off requests and eFunds reporting
  • Process Safe Deposit Box payments
  • Process Credit Card payments
  • Process undeliverable mail and contact customers to get updated address
  • Process bounced eStatements customer notification
  • Process Incoming Domestic Collection Items
  • Monitor Reg D Violations

MINIMUM REQUIREMENTS

  • High school graduate or equivalent
  • 1+ years of experience in banking industry
  • Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. 
  • Proficient in Microsoft Office
  • Ability to easily adapt to changing technological products, features, and procedures within the Financial Industry

Apply Now

Customer Service Representative - Data Entry Specialist

Position: Customer Service Representative - Data Entry Specialist

Location: St. Louis Park

The Customer Service - Data Entry Specialist must have excellent Customer Service skills. They work closely with customers, co-workers, and across departments. This requires that the incumbent have strong interpersonal, verbal, and written communication skills.

The position requires a self-starter with the ability to exercise independent judgment. The specialist will have a keen eye and strong attention-to-detail while entering and maintaining data. They must have the ability to be tactful when pointing out errors on maintenance documentation, and follow through to ensure the errors are resolved. The incumbent will be organized, and can multi-task with a sense of urgency to ensure critical daily deadlines are met.

The Data Entry Specialist is the subject matter expert on all data entry of customer and account information. They will need to think critically and understand the variety of work that is presented to them. They will need the ability to solve problems in a quick an efficient manner.

BASIC FUNCTION

Customer Service Department Responsibilities

  • Provide Customer Service over the phone and in person
  • Assist with customer inquiries and error resolution including fraudulent/unauthorized activity, forgeries, and intake of Reg E disputes
  • Order checks, deposit tickets, and endorsement stamps
  • Refer products to customers in order to meet referral goal for the year
  • Process stop payment requests
  • Process over the phone and in person requests for transfers, loan, and credit card payments
  • Assist customers in troubleshooting Telebank and Online Services
  • Complete research requests and various projects as needed

Data Entry Specialist Responsibilities

  • Customer input and maintenance
  • Account input and maintenance
  • Safe Deposit Box maintenance
  • Cash Sweep maintenance and retention
  • Closed account maintenance and retention
  • Dormant account maintenance and retention
  • Process unposted transactions
  • Review telephone transfers daily
  • Track ATM and Debit Card orders daily
  • Review ATM and Debit Cards daily for closed or dormant accounts
  • Review monthly ATM and Debit Card reports
  • Review Bounce Protection reports for exceptions daily
  • Review Online Banking maintenance daily

Data Entry Specialist Backup Responsibilities

  • Process and balance customer ACH Origination
  • Process incoming and outgoing customer originated ACH returns
  • Process ACH stop payments
  • Process ACH Notification of Change
  • Process Reg E ACH disputes (WSUD)
  • Process federal and commercial reclamation requests
  • Review ACH daily for return thresholds
  • Report ACH Rules Violations
  • Review Same Day ACH reports
  • Process EDI requests
  • Internal ACH origination input and maintenance
  • Process and balance all domestic and international wires
  • Process incoming chargeback items
  • Review and retention of stop payment maintenance
  • Process Deluxe commission payments

MINIMUM REQUIREMENTS

  • High school graduate or equivalent
  • 1+ years of experience in customer service, banking, and/or consumer lending
  • Proficient in Microsoft Office
  • Ability to easily adapt to changing technological products, features, and procedures within the Financial Industry

Apply Now

Compliance Officer

Position: Compliance Officer

Location: St. Louis Park or Hopkins

Citizens Independent Bank and its employees strive to maintain customer trust by never compromising our honesty and integrity, demonstrate social responsibility to our communities, build and maintain close customer relationships by providing exceptional customer service, encourage the personal and professional growth of each employee, and grow a strong financial base for ourselves and those we serve. These values drive our success and define the foundation of our business. We are seeking candidates that will be excited to promote and support these values in the communities we serve!

BASIC FUNCTION

The Compliance Officer oversees the Compliance Program, functioning as an independent and objective body that reviews and evaluates compliance issues and concerns within the organization. The position ensures that the Board of Directors, management and employees are in compliance with the rules and regulations of regulatory agencies and that company policies and procedures are being followed.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Develops, initiates, maintains, and revises policies and procedures for the general operation of the Compliance Program and its related activities to prevent illegal, unethical, or improper conduct.
  • Conducts compliance audits – serves as the review and evaluation body to ensure that compliance issues/concerns within the organization are being appropriately evaluated, investigated, tracked, and resolved.
  • Develops and maintains a risk assessment process to determine the Bank’s compliance related risks
  • Serves as a resource to staff for regulatory and state banking law compliance
  • Responds to alleged violations of rules, regulations, policies, procedures, and Standards of Conduct by evaluating or recommending the initiation of investigative procedures. Develops and oversees a system for uniform handling and reporting of such violations.
  • Serves as the BSA officer, performing various quality control reviews and monitoring in the area of Bank Secrecy Act, USA patriot Act, Anti-Money Laundering, OFAC, Customer Identification Program and others.
  • Performs monitoring reviews to analyze and identify compliance risk exposure.
  • Evaluates new products and services as well as reviews the Bank’s advertising for proper compliance.
  • Provides reports on a regular basis, and as directed or requested, to keep the Audit Committee of the Board and senior management informed of the operation and progress of compliance efforts.

MINIMUM REQUIREMENTS

  • A college degree or equivalent work experience
  • Two to five years’ experience in bank compliance, including knowledge of deposit, operations and loan systems.
  • Bank Compliance Officer designation desired

Apply Now

Business Banking Associate

Position: Business Banking Associate

Location: The position will split time between our Hopkins and Plymouth Branch

Citizens Independent Bank and its employees strive to maintain customer trust by never compromising our honesty and integrity, demonstrate social responsibility to our Communities, build and maintain close customer relationships by providing exceptional customer service, encourage the personal and professional growth of each employee, and grow a strong financial base for ourselves and those we serve. These values drive our success and define the foundation of our business. We are seeking candidates that will be excited to promote and support these values in the communities we serve!

BASIC FUNCTION

This position is responsible for credit, sales, loan document preparation and administrative support for the Business Banking unit. In addition, this individual opens all deposit products and related services associated with business and personal accounts in accordance with Bank policies and legal/regulatory compliance requirements. This individual is integral in assisting the business unit achieve overall sales and production goals.

Under moderate supervision accountable for the complete, accurate and timely preparation of forms required for business and personal loans. This individual assists in preparing loan worksheets, pre-closing, post-closing & checklists for SBA Loans, Letters of Credit, Real Estate Mortgages, Working Capital Lines of Credit and term loans. This individual is accountable for filing documents, as applicable, with the appropriate governmental units within the county, state and out-of-state. In addition, this individual may be assigned the accountability of Product Manager for one or more banking products.

This is a front line sales position for business banking and some personal deposit account relationships. Deposit products include checking and savings accounts, certificates of deposit, cash management, IRAs and the referral of annuity and mutual fund prospects to a licensed representative. Cross-sell other bank services such as Merchant/Corporate accounts and loan products including overdraft protection, Home Equity and mortgages. In this process, the individual must be knowledgeable in identifying all financial needs of the client and obtain the required authorizations and documentation to establish accounts and services.

ESSENTIAL DUTIES AND RESONSIBILITIES

  1. Assemble and organize personal, business & SBA loan request documents for closings.
  2. Assist Business Bankers in the accumulation of information for the preparation of Loan Presentation Summary (LPS) and Material Change forms along with the word processing, copying & distribution of the presentation packages.
  3. Complete appropriately Loan Documentation Checklist & attach all loan documents to be imaged.
  4. Required to attend and participate in monthly Business Sales & Business Banking Associate meetings.
  5. Execute all documents in compliance with established policies and procedures involving financing statements, mortgage recordings, titles & grants, etc. with state and county agencies and the fees associated with the recordation of these items.
  6. Provide clerical and administrative support to the Business Banking Department.
  7. Accountable for acquiring, monitoring, & managing technical exceptions.
  8. Participate in and implement marketing ideas for business products within the department and bank.
  9. Assist lenders in sales calls and presentations of bank products and services.
  10. Prepare, order and process various pre-closing and post-closing documents for real estate mortgages, i.e. title & flood insurance, Owners and Encumbrances reports, satisfactions, mortgage and assignment of rents & lease documents, extensions, etc.
  11. Required to work occasional Saturdays, open or close the bank securing the premises following established security procedures and staff outside community and trade show events.
  12. Establish new business & personal banking relationships, i.e. checking, savings, & certificates.
  13. Accountable for obtaining all required documentation & identification involved in processing new accounts, name changes, ATM/POS & Visa/MasterCard accounts, etc.
  14. Order checks, deposit tickets, & endorsement stamps from various vendors. Follow-up to ensure accuracy of items ordered.
  15. Identify all financial needs of customer with appropriate products and services.
  16. Respond to and resolve internal and external customer inquiries and requests, i.e. stop payments, address changes, service charge analysis, etc.
  17. Effectively communicate issues and resolutions that improve customer and business unit relationships.
  18. Required to be proficient in computer & software systems and participate in training programs to develop knowledge of products, services, systems, etc.
  19. Engage in MBA-AIB, BVS & CFT courses & seminars to extend banking knowledge.
  20. Upload all new deposit accounts opened to interface with bank’s mainframe system.
  21. Accountable for the processing and maintaining of new and existing Standby or International Letters of Credit.
  22. Perform other activities as requested by Supervisor, Manager, Senior Vice President of the Business Banking unit or bank management.
  23. Responsible for various reports used by lenders, Board, department or bank done on a daily, weekly or monthly basis, i.e. Sales, SBA, etc.
  24. Process all telephone line of credit requests for advances, pay downs and loan payments.
  25. Provide notary service.
  26. Assist in processing international & domestic wire requests.
  27. Approve checks for encashment.
  28. Assist customers in accessing safe deposit boxes.
  29. Complete requests for credit verifications and balance information.

MINIMUM QUALIFICATIONS

Skills: Must possess excellent interpersonal skills, be self-motivated, and well disciplined. In addition to exceeding a typing speed of 40 WPM, Word & Excel knowledge beneficial. Accuracy is essential.

Education: Minimum of two years college or business school, MBA-AIB, BVS & CFT general & business banking courses preferred or equivalent experience. Courses in real estate mortgage lending are highly recommended.

Experience: Two years of related work experience required.

Apply Now

Business Banker

Position: Business Banker

Location: St. Louis Park or Hopkins

Citizens Independent Bank and its employees strive to maintain customer trust, demonstrate social responsibility to our Communities, build and maintain close customer relationships, encourage the personal and professional growth of each employee, and grow a strong financial base for ourselves and those we serve. These values drive our success and define the foundation of our business. We are seeking Business Banker candidates that will be excited to promote and support these values in the communities we serve. Join our growing team!

ESSENTIAL DUTIES AND RESPONSIBILITIES

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.

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 Unit 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.

EDUCATION AND/OR EXPERIENCE
A college degree and/or 5 to 10 years of job related experience. The ability to motivate or influence others is a material part of the job requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job.

Apply Now

Our company is an Equal Opportunity Employer/Disabled/VETS/Affirmative Action Employer. Applicants can learn more about the company's status as an equal opportunity employer by viewing the federal " EEO is the Law" poster, its " Supplement" poster, and its " Pay Transparency Nondiscrimination Provision."