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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 • Teamwork & Collaboration.

Growing up, I came to CIB on a weekly basis to deposit checks from my summer jobs. That made it even more special when I got my first role at the bank over five years ago! With all of the support of my wonderful colleagues, I?ve been able to hone my skills and grow into different positions; each which has offered unique challenges.
There's a reason I've worked at CIB for over 42 years, It's the people I work with. Whether it is scooping ice cream at the community social, teaching banking skills at the schools, or attending a Symposium, the bank continually provides ongoing opportunities for personal and professional growth.

Why CIB?

  • 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, and PTO
  • Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth
  • Over 70 years of local banking
  • Opportunity to participate in fun community activities

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!

We want YOU to be part of the CIB team!

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. 

Applicants have rights under Federal Employment Laws:
Employee Rights Under the FMLA
Equal Employment Opportunity
Pay Transparency Nondiscrimination Provision
Employee Polygraph Protection Act

Current Openings

Business Banking Representative (Trainee)

Position: Business Banking Representative (Trainee)

Location: St. Louis Park

A successful business banker will bring commercial business into the bank through business development contacts with a customer/prospect. A business 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. A business banker must understand the business/industry the customer is in and must gain a thorough knowledge of the customer/enterprise history and future plans.

The business banker trainee will be placed in a training and development program to enhance or develop the competencies needed to become a successful business banker. The time spent in the program will be determined based on previous experience of the trainee and time needed to develop business banker competencies.

PRIMARY DEVELOPMENT AND RESPONSIBILITIES OF TRAINEE 

  1. Follows and successfully masters the curriculum established for the Business Banker Trainee program. The curriculum may include, and is not limited to:
    • Time spent in the Loan Administration area of the bank obtaining the fundamentals of credit analysis and loan administration needed to be successful as a business banker. 
    • Time spent with the business banking team, including the business banking associates and other business bankers already in the role, obtaining the competencies needed to become a successful business banker.
    • Time spent with business banking, retail banking, mortgage, investments, marketing, and other partners to learn about the products and services offered by CIB.
  2. Develops positive working relationships with commercial, loan administration, operations, retail and investment areas in order to build strong internal team relationships.
  3. Participates in various community and business organizations and events.
  4. Strengthens and develops ability to solicit new loan business from new and existing customers and referral sources.
  5. Participates in customer calling, customer visits, and loan closings.
  6. Actively participates in business banking department meetings and other department meetings as applicable during training.

ADDITIONAL RESPONSIBILITIES

  1. Required to have complete knowledge of bank and computer systems to perform the role of a successful business banker.
  2. Maintain a high profile in the community through active participation in community organizations to enhance the image of the bank and develop business banking opportunities.
  3. Make group sales presentations as assigned and assist in staffing bank display at various trade shows.
  4. Perform other duties as requested by the Senior Vice President-Business Banking.

QUALIFICATIONS AND ATTRIBUTES

In order to be selected as a candidate for the Business Banker Trainee program, the candidate must possess one or more of the following qualifications:

  • Previous experience as a credit analyst, business analyst, or other related position
  • Previous experience as a business banking portfolio manager
  • Previous experience with consumer, mortgage, or commercial lending
  • Previous experience in business banking such as a business banking associate or other high-level support to business bankers

In addition, the following qualifications are needed to be successful as a Business Banker Trainee:

  • Bachelor’s degree or equivalent combination of education and experience
  • Strong sales development skills
  • Strong negotiation skills
  • Willingness to become involved with and participate in community events
  • Ability to work well with business partners within the organization
  • Proven ability to develop new business
  • Excellent interpersonal, problem-solving, communication, and customer service skills
  • Position requires ability to have or obtain a NMLS License

Apply Now

Credit Analyst

Position: Credit Analyst

Location: St. Louis Park

Citizens Independent Bank has an immediate opening for an experienced Credit Analyst. The primary focus of this position is to assist with the underwriting of credit requests by helping to prepare credit approval presentations which accurately assess the borrower’s credit risk. Analysis includes: risk rating 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. Ability to work remotely on a hybrid schedule.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Prepare portions of 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.

KNOWLEDGE, SKILLS, AND ABILITIES:

  • 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.
  • Must be capable of operating all types of office equipment including computer, copier, fax, and telephone.
  • 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.
  • Understanding of financial accounting, financial statements, and generally accepted accounting principles (GAAP) is preferred.
  • Must possess a positive attitude with the ability to meet aggressive deadlines.

EDUCATION and/or EXPERIENCE:
Bachelor's degree from a four-year college or university is preferred, but not required. Similarly, an equivalent combination of education, training and experience is acceptable.

Apply Now

Business Banking Sales Associate

Position: Business Banking Sales Associate

Location: Hopkins

The Business Banking Sales Associate is responsible for credit, sales, and loan document administration for the Business Banking unit. In addition, this individual opens all deposit products and related services associated with business 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, this person will be accountable for the accurate and timely preparation of business loans. This individual assists in preparing packages, filing applicable documents, and assisting with lien perfection for multiple loan types.

This is a front line sales position for business banking deposit account relationships, and will work with customers to identify financial needs and opportunities.

ESSENTIAL DUTIES & RESPONSIBILITIES

  • Act as the first resource for customer inquiries, engaging other bankers or departments as necessary. Effectively communicate solutions that improve customer relationships.
  • Prepare loan packages for closings with a high degree of accuracy.
  • Assist Business Bankers with daily customer servicing needs, opening new accounts, and closing new loan transactions.
  • Collaborate with Loan Operations to ensure the bank has archived executed documents and perfected liens per policy.
  • Onboard new business banking checking and savings relationships, identifying opportunities to cross-sell additional bank products.
  • Implement marketing initiatives within the department and bank.
  • Assist Business Bankers in sales calls and presentations of bank products and services when needed.
  • May be asked to open or close the bank securing the premises following established security procedures and staff outside community and trade show events.

The ideal candidate will be comfortable with Microsoft Office systems. Jack Henry experience is desired, but not a requirement. Ongoing training will be provided.

MINIMUM QUALIFICATIONS

Education: Minimum of two years college or business school, or equivalent experience. Courses in real estate mortgage lending are highly recommended. This position will offer opportunities to take courses with the Minnesota Bankers Association to further career development.

Experience: Two years of related work experience in banking or lending preferred.

Apply Now

Loan Accounting Administrator

Position: Loan Accounting Administrator

Location: St. Louis Park

The Loan Accounting Administrator reports directly to the Chief Credit Officer and will be responsible for the accurate booking of loans and the correct application of payments. The incumbent will develop and maintain training, written procedures and audit testing to improve the operational aspects of these critical functions. Their foremost priority will be to ensure our customer transactions accurately reflect the intended actions being sought, and proceed without error or incident.

PRIMARY RESPONSIBILITIES:

  • Responsible for boarding, verifying and ensuring that all loans are properly booked, maintained and in compliance with applicable laws, regulations and Bank Policy.
  • Process payments with complete accuracy.
  • Coordinate loan closings with other Loan Administration personnel.
  • Review and assist all pre- and post-closing audits.
  • In conjunction with other Loan Administration personnel, meet regularly to address issues and problems that might arise.
  • Cross train with other Loan Administration personnel, to expand knowledge in underwriting, and loan documentation preparation.
  • Configure and maintain loan system parameters on the core banking system (JHA 20/20 or JHA Silver Lake)
    • Loan Type Parameters
    • Investor Servicing Parameters (Freddie Mac/SBA)
    • Late Charge/Prepayment Penalty Parameters
    • Credit Bureau Parameters
    • Loan Notice/Statement Parameters
    • Any other loan system parameter as needed
  • Report to Colson (SBA 1502) and Freddie Mac
  • Credit Bureau Reporting
  • Prepare and respond to audit confirmations for loans
  • Work with Loan Documentation SME to ensure interfaces between the documentation and core system are kept up-to-date and work at optimal levels

PREFERRED QUALIFICATIONS AND ATTRIBUTES:

  • Bachelor’s degree in a business discipline, or equivalent experience. Equivalent experience is considered to be three years of commercial lending or loan operations experience.
  • PC literacy with the Microsoft Office suite; familiarity with Jack Henry 2020, Laser Pro and Moody’s
  • Unwavering commitment to teamwork.
  • Able to deliver a high level of responsiveness to external and internal customers.
  • Ability to work independently and establish priorities. Enjoys a variety of work and autonomy.
  • Strong attention to details.
  • Aptitude for creative problem solving.
  • Commitment to enhancing the profitability of the Bank

Apply Now

VP Residential Real Estate Manager

Position: VP Residential Real Estate Manager

Location: St. Louis Park

We are seeking to hire an experienced Residential Real Estate Manager to lead our mortgage team. The qualified candidate will originate investor quality first mortgages saleable in the secondary market, and the development of quality portfolios of first mortgage products. The incumbent will offer purchase, refinance, cash-out, construction, and home equity (loans/lines) products to prospective borrowers based on the client's needs and meeting or exceeding customer satisfaction.

The responsibilities include:

  • Professionally develops and maintains external and internal referral sources.
  • Actively participates in internal referral programs. Develops positive working relationships with commercial, retail and investment areas in order to build strong customer relationships.
  • Participates in various community and business organizations and events.
  • Works with Marketing Director to develop and utilize successful marketing strategies.
  • Solicits new loan business from new and existing customers and referral sources.
  • Originates investor quality first mortgage loans in a manner that meets annual fee income budget while meeting reasonable pricing guidelines established by the Chief Credit Officer.
  • Originates first mortgage portfolio loans in a manner that meets annual fee income budget while meeting Loan Policy guidelines.
  • Participates in and closes loans with various local and government agencies.
  • Acts as a lead for mortgage lending employees. Provides training, product knowledge, and sales and marketing guidance.
  • Actively participates in department meetings, including Retail Sales, Retail Credit, Retail L10, and Management Council
  • Manage Residential RE 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.
  • Maintain a high profile in the community through active participation in community organizations to enhance the image of the bank.
  • Make group sales presentations as assigned and assist in staffing bank display at various trade shows.
  • Perform other duties as requested by Senior Vice President-Retail Banking.

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 mortgage banking experience preferred and three to five years previous experience with Ellie Mae/Encompass. NMLS License required, or ability to obtain.

Apply Now

Business Banker

Position: Business Banker

Location: TBD

We're growing our Business Banking 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 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.

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.

MINIMUM REQUIREMENTS
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. 

Apply Now

Our company is an Equal Opportunity Employer, including disability and status as a protected veteran.