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: SVP/Deposit Services

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 looking for a dynamic and strategic SVP/Deposit Services to lead the Bank’s deposit and payment strategies.

Position Overview:

The SVP/Deposit Services is responsible for oversight of the Bank’s deposit and risk management policies, procedures, treasury service reviews, regulatory compliance, and staff performance to ensure the overall quality of the bank’s deposit portfolio. The position is responsible for overseeing all aspects of compliance to ensure the bank is following all federal and state regulations along with CIB Bank policies and procedures.  The position provides leadership, management, and vision necessary to ensure that the Bank has the proper operational controls, administrative and reporting procedures in place to effectively ensure operating effectiveness, operational security, and operating efficiencies.

Essential Functions:

The SVP/Deposit Services position oversees compliance, deposit operations, the development of deposit and payment strategies, deposit and risk management policies and procedures, cash management processes and procedures, and staff performance to ensure the overall quality of the bank’s compliance and deposit operations. The position leads the bank core vendor relationship for deposit, payment, online banking and cash management services and delivery, including contract negotiations, product implementations, enhancements and support.

• Lead deposit and payment strategies to support the continued growth of the organization: Work with Retail and Business Banking managers to implement strategies to grow deposits; serve as project manager in conjunction with Marketing Director to consider new products and services and lead the initiative to continually enhance our delivery channels to customers and remain competitive, while supporting the Bank’s strategy and business plan.
• Lead the Deposit Strategy Committee, adding new deposit strategies as needed based upon market research, review of internal operations and need for new products and services. Work with committee members to complete implementation of deposit strategies supporting the deposit strategy and business plan.
• Lead the management of the bank core vendor relationship for payment, deposit, online banking and cash management services and delivery, including recommendations and management of product implementations, enhancements and specifications. Build and retain a strong partnership with vendor representatives, review and approve key vendor contracts within scope of responsibility adding value while reducing risk to both customers and the bank.
• Oversee the management of operational vendor relationships, including recommendations of and management of product implementations, enhancements and specifications, while working closely with the other Senior Managers. Be an advisor from the deposit services/financial perspective on any contracts into which the Bank may enter.
• Oversee the development and implementation of Bank operations policies and procedures that will improve the overall operation and effectiveness of the Bank, ensure compliance with laws and regulations. Establish and maintain appropriate internal controls to ensure safe and sound banking practices, a risk review process to systematically review for adequacy of operational risk management, regulatory compliance, conformance of policies to regulatory guidelines, prevention of operating losses, and the recovery of losses where possible.

• Participate in ALCO Committee, providing insight in the review of deposit product ideas regarding pricing, implementation, structure and support. Partner with Marketing Director in the gathering and review of market data for recommendations to the committee for pricing of current products and services.
• Oversee administration and management of the Bank’s compliance, BSA, and CRA function.
• Oversee administration and management of Deposit Operations team.

Required Qualifications:

• Bachelor’s degree in business, accounting, or finance discipline; or ten years equivalent work or education-related experience
• Thorough knowledge of bank compliance, accounting, regulations, policies and procedures.
• Thorough knowledge of operating policies and procedures.
• Thorough understanding of payment systems.
• Intermediate computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, Teams, PowerPoint); spreadsheet applications (Excel) to organize data used for advanced data analysis; internet; and email, database management and record keeping.
• 7 – 10 years of progressively responsible experience in Deposit Operations, including at least 5 years in a supervisory or managerial role.
• Effective oral and written communication skills among varying degrees of stakeholders.
• Proven effective management and analytical skills.
• Demonstrated ability to collaborate with various levels of stakeholders.
• Proven ability to manage competing priorities and manage time.
• Self-motivated with a high level of initiative, accountability and dependability.

Preferred Qualifications:

• Accredited ACH Professional (AAP) and/or Accredit Payments Risk Professional (APRP)
• Excellent interpersonal and coaching skills
• Excellent project management

Culture:

To be a successful Team Member you should believe that you can thrive within a culture that:

• Champions our goals and mission to be a high-performance community bank
• Embraces accountability – We do what we say we will do
• Puts people first. Our customers, our employees, our families, our communities.
• Wants employees to have work that is rewarding and challenging
• Encourages employees to provide solutions that meet the needs of our customers
• Supports a work-life balance
• Looks to promote from within
• Supports ongoing employee education

Benefits:

• Rewarding and challenging work
• Work-life balance
• We strive to promote from within
• Employee education and training is vital
• Full benefits including medical, dental, vision, 401k with generous 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 75 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: Deposit Operations Associate/Cash Management & Exception Item Processing

Location: Robbinsdale

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 Deposit Operations Associate/Cash Management & Exception Item Processing.

To be successful in this position, an individual must have strong interpersonal, verbal, and written communication skills. The position requires a self-starter with the ability to exercise independent judgement. The incumbent will be organized and can multi-task with a sense of urgency to ensure critical daily deadlines are met.

The incumbent for this position will be the subject matter expert on Cash Management Set-up and Maintenance and Exception Item Processing.  They are responsible for multiple daily duties related to exception item processing, including non-posted items, Positive Pay and return items. They are responsible for input and maintenance 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 and efficient manner and have a keen eye and strong attention-to-detail while entering and maintaining data.

Primary Responsibilities:

• Cash Management set-up and maintenance.
• Exception Processing of Non-Posted items, Positive Pay, NSF and Return Items.
• Customer and Account input and maintenance.
• Safe Deposit Box maintenance and balancing.
• Dormant account maintenance and annual escheatment processing.
• Monitor, respond to, or transfer incoming messages through Banno Conversations.
• Business Continuity Plan maintenance.

Additional Responsibilities:

• Provide Customer Service phone support to customers and staff.
• Data Entry of internal general ledger and cross application postings.
• Backup the Data Entry Specialist, including Chargeback processing.
• Update procedures as needed.
• Other duties/projects as requested.

Qualifications and Attributes:

• High school diploma or GED Required
• Additional post-secondary education or training is preferred
• Prior cash management and/or banking experience preferred
• Prior customer service experience preferred
• Proficient in Microsoft Office: Word, Excel and Outlook
• Provide outstanding customer service with a positive attitude
• Ability to work under pressure of deadlines
• Ability to multi-task
• Ability to easily adapt to changing technological products, features, and procedures within the Financial Industry
• Must be able to work under time constraints, use good judgement, and act in a tactful, professional manner while dealing with customers and fellow employees
• Scheduled hours include rotating Saturday morning

Ability to read, write, and understand policy and procedure manuals. Ability to communicate information to managers. Ability to respond to sensitive customer inquiries or complaints.

Culture:

To be a successful Team Member you should believe that you can thrive within a culture that:

• Champions our goals and mission to be a high-performance community bank
• Embraces accountability – We do what we say we will do
• Puts people first. Our clients, our employees, our families, our communities.
• Wants employees to have work that is rewarding and challenging
• Encourages employees to provide solutions that meet the needs of our customers
• Supports a work-life balance
• Looks to promote from within
• Supports ongoing employee education

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 generous 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 75 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