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Careers

People make the difference at Citizens Independent Bank! Our average length of service is close to 9 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

Chief Credit Officer

Position: Chief Credit Officer

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 Service • Teamwork & Collaboration. We’re seeking a Chief Credit Officer responsible for developing credit guidelines and policies, credit underwriting, credit approval and collection processes, credit monitoring practices, and providing direction to the credit team to ensure overall quality of the Bank’s loan portfolio. As a member of the executive team, the Chief Credit Officer assists in achieving long term profitability, growth and strategic objectives of the Bank.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES:

  • Identifies and develops long term strategies to manage credit risk which includes portfolio mix, growth strategies and market penetration objectives
  • Advises management on the appropriate credit risk appetite based on current market data analytics including general macro-economic outlook and sector specific risks and opportunities
  • Develops credit policies and procedures to comply with regulatory requirements and consistent with the Bank’s risk appetite and strategic goals
  • Acts as a member of various Bank committees including Officers Loan Committee and Asset Liability Committee
  • Ensures that loan documentation, systems and procedures are consistent with the Bank’s standards and are appropriate for all regulatory requirements
  • Prepares, reviews, and modifies when necessary lending policies and procedures which enable the Bank to perform in a business-like manner, but not expose it to undue risk
  • Measures and manages the aggregate risk in the Bank’s loan portfolio
  • Ensures that the loan portfolio is appropriately risk rated, maintains monthly ACL and makes recommendations to executive management and the Board of Directors for the amount to be added/deducted to/from the loan reserve; reserve maintenance includes analyzing local, regional, and national economic conditions; loan losses and trends; and loan product concentrations
  • Provides guidance to credit team on matters including credit analysis, due diligence of potential loans, evaluation of financial statements and credit information, and collection of overdue loans
  • Governs and enforces underwriting standards
  • Reviews lending results to ensure that credit policies and practices are followed
  • Manages, monitors, and reports on asset quality metrics, loan concentrations and loan policy exceptions
  • Prepares and discusses loan information submitted to the Board of Directors for approval; loan information is defined as the maintenance of the ACL, graded loan reports, and other loan quality information and trends.
  • Manages credit underwriting pipeline
  • Presents credit recommendation for approving bodies
  • Processes, solves and answers complex customer transactions, problems or inquiries related to the lending function
  • Manages work-out of problem credits, recommending appropriate strategies to management and the Board
  • Ensures that loan documentation, systems and procedures are consistent with the Bank’s standards and are appropriate for all regulatory requirements
  • Utilizes the latest bank tools and technology to drive efficiency and productivity
  • Promotes collaboration by credit team on technology enhancements and process improvements
  • Represents the Bank on asset quality exams and internal and external audits
  • Represents the Bank in various community, civic and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena
  • Maintains a current knowledge of all laws and regulatory requirements affective the lending process
  • Manages loan administration staff
  • Monitors staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results
  • Plays a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff
  • Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of the department including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training

EDUCATION, EXPERIENCE AND SKILL REQUIREMENTS:

  • Bachelor’s degree, advanced degree a plus
  • 10 + years of commercial and consumer banking experience in credit administration, analysis, and risk mitigation with direct credit approval and supervisory experience in commercial real-estate, construction, and commercial and industrial lending.
  • Possess a high level of expertise in loan underwriting and portfolio management
  • Requires a demonstrated ability to underwrite complex commercial loans and make sound loan approval decisions of up to $1,500,000
  • 10+ years of progressive leadership experience
  • Must be able to work well in a teamwork environment
  • Leadership experience, with the ability to manage and develop staff
  • Strong business writing, communication, and presentation skills
  • Must have excellent computer skills including experience with spreadsheet analysis and Microsoft Office

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
  • Over 70 years of local banking history
  • Chosen by readers of local publications in St. Louis Park, Robbinsdale, Hopkins and Crystal as Best Bank!
  • 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. The employee will be required to perform other job-related job duties not listed in this position description. All requirements are subject to change and to possible modification to reasonably accommodate individuals with disabilities to perform the essential functions of the position.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Apply Now

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