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

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Position: Business Banker (Commercial Lender)

Location: Citizens Independent Bank

At Citizens Independent Bank (CIB), we believe strong communities are built through meaningful relationships. For more than 75 years, we have delivered personalized banking experiences that make a real impact for our customers, employees, and the communities we serve. We foster a collaborative, supportive environment where people can grow, develop, and thrive. If you are passionate about helping local businesses succeed and making a difference in your community, join the CIB Team!

We are seeking a relationship-driven Business Banker (Commercial Lender) to develop and manage commercial banking relationships by delivering tailored credit, deposit, and cash management solutions. This role focuses on business development, portfolio growth, client retention, and community engagement.

Key Responsibilities

• Develop new commercial banking relationships with businesses, non-profits, and community organizations.
• Manage and grow an existing portfolio by deepening client relationships and identifying additional opportunities.
• Structure and recommend commercial lending solutions that align with client needs and bank risk standards.
• Analyze financial statements, business performance, and industry trends to assess creditworthiness.
• Maintain strong knowledge of commercial loans, treasury management, deposit products, and related business banking services.
• Partner with internal teams to deliver a seamless client experience and effective loan process.
• Represent the bank in the community through networking, business development, and involvement in local organizations.
• Ensure all lending and relationship activities comply with regulatory requirements and internal policies.

Qualifications

• Bachelor’s degree in business, finance, or a related field preferred, or equivalent experience.
• 5 to 10 years of commercial lending and relationship management experience.
• Proven ability to develop new business and build strong community relationships.
• Strong credit analysis, financial acumen, and sound judgment.
• Excellent communication skills with the ability to influence, negotiate, and build trust.
• High level of professionalism, integrity, and client focus.

Why Join Citizens Independent Bank?

• People come first - our clients, our employees, our families, our communities.
• Career growth through training, development, and opportunities for internal advancement.
• Work-life balance with hybrid work arrangements for eligible positions.
• Comprehensive benefits including medical, dental, vision, 401(k) with match, employer-paid life insurance, short- and long-term disability coverage, PFML, paid holidays, birthday half-day, and generous PTO.
• Incentive compensation plan for all employees.
• Convenient locations in St. Louis Park, Robbinsdale, Hopkins, and Plymouth.
• Opportunity to participate in meaningful community activities.

Salary Range: Base salary range of $110,000 - $160,000 annually, depending on experience and qualifications, plus incentive compensation plan.

This job description is not intended to be an exhaustive list of all responsibilities or qualifications. Duties may change based on business needs. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position.

Citizens Independent Bank is an Equal Opportunity Employer, including protected veterans and individuals with disabilities.

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Position: Branch Manager

Location: Hopkins

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 Branch Manager to join the Hopkins team!

POSITION OVERVIEW

The Branch Manager will serve as Leader, Coach and provide the day-to-day leadership for the Hopkins branch. The Branch Manager will be responsible for managing the sales, customer experience and daily operations of the branch. Other responsibilities include actively participating in the implementation of the branch’s business plans, enhancing existing customer relationships, developing relationships with new customers, and leading successful outbound sales efforts.

RESPONSIBILITIES AND DUTIES:

• Oversee activities of the business development for the branch meeting goals related to deposit and consumer loan growth, meet partner referral goals and work collaboratively with bank partners.
• Annually assess the market served by the branch, identifying obstacles and opportunities. This, along with similar evaluations from other locations, is the basis for the annual consumer business plan.
• Maintain high visibility and a positive image with existing and prospective customers. Build relationships with businesses and community leaders by actively participating in community activities and events, growing the visibility and name recognition in the market.
• Identify customers' financial needs and provide appropriate solutions.
• Provide personal banking services to customers, which include selling deposit products, checking, savings and certificates of deposit. Also sell credit cards, convenience credit, installment loans, and home equity lines of credit.
• Make appropriate partner referrals for investment services and first and second real estate mortgages.
• As product manager for the branch, responsible for implementing sales campaign for assigned products utilizing the Marketing Department.
• Provide support to Business Department to open accounts when needed. This includes managing and building Business relationships.
• Train and support branch staff on various products, services and computer applications.
• Recruit, interview, select and train Universal Bankers and Tellers.
• Assist in providing adequate floor coverage during breaks and vacations, etc.
• Oversee the day-to-day operations of the bank including opening and closing of any of the locations as a situation may require, including Saturday coverage, as applicable.
• Manage bank staff including coaching, counseling, evaluating performance, and salary administration of all direct reports, as well as overseeing the responsibilities of each of the direct reports.
• Provide performance management counseling, as required.
• Support the individual development plans and career goals of bank staff.

ADDITIONAL DUTIES:

• Responsible for overseeing the maintenance and security of the building and grounds of the branch.
• Make group sales presentations as assigned and assist in staffing bank displays at various trade shows or community events
• Perform other duties as requested by the Senior Vice President/Retail Banking

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 retail banking experience preferred
• Strong sales coaching skills
• Willingness to become involved with and participate in community events
• Ability to work well with business partners within the organization
• Strong consumer lending skills
• Strong knowledge of bank operation policies and procedures
• Proven ability to sell and cross-sell bank products and services
• Proven ability to develop new business
• Proven ability to manage retail sales team to achieve threshold activity levels and performance goals
• Excellent supervisory, interpersonal, problem-solving, communication, and customer service skills.
• Position requires ability to have or obtain a NMLS License

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

Salary Range $72,000 - $90,000 - $108,000. Please note that the specific compensation for this role will be determined based on your experience, qualifications, and internal equity considerations.

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: 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