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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

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

Receptionist/Administrative Assistant

Position: Receptionist/Administrative Assistant

Location: St. Louis Park

The St. Louis Park Receptionist 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 operates the switchboard and directs calls to the appropriate department or bank employee. The position also provides clerical and administrative support to the Retail Banking Team and the President/CEO.

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 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.
  • Keep schedule for Community Room and reserve Community Room, when requested
  • Order flowers or request memorials for bereaved employees or customers or for celebratory events
  • Monitor and deliver faxes that arrive
  • Assist with administrative duties, as requested, appropriate for the role
  • Process daily Account Transfer Notifications, Past Due Notices, Safe Deposit Billing Statements
  • Assist President/CEO with new account “Welcome” letters
  • Complete required courses as assigned by the Compliance Officer, as well as attend other training courses and seminars as requested by the Retail Banking Manager
  • Perform other duties as requested by Retail Banking Manager
  • Attendance and participation as schedule allows at monthly Retail Credit, Retail Sales, Branch L10, and All-Staff meetings
  • Utilize the bank’s CRM (Client Relationship Management) Tool as required
  • Maintain Notary Public certification and provide Notary service as requested
  • Assist customer with requests, complaints, research and follow-up on details to resolve matter to the customer’s satisfaction
  • 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 certification

QUALIFICATIONS AND ATTRIBUTES

The job of bank receptionist is very vital and will have to do the multi-tasking work so should have the needed skills and specifications and here are the following attributes:

  • The prime requirement for a bank receptionist is the excellent communication skills 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 and do the multi-tasking work
  • 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 work under pressure
  • Ability to multi-task
  • Ability to keyboard and enter numerical data with speed and accuracy

Education:

  • BASIC DEGREE: The receptionist must have a high school degree or GED. Additional post-secondary training is preferred.
  • Prior banking or customer service experience is preferred.
  • Prior administration experience is preferred.

Apply Now

Deposit Operations Associate - CSR/Data Entry

Position: Deposit Operations Associate - CSR/Data Entry

Location: Robbinsdale

The 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.

Customer Service Department Day-to-Day 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 Primary 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

Deposit Operations Associate - CRS/On-Line Banking

Position: Deposit Operations Associate - CRS/On-Line Banking

Location: Robbinsdale

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, and achieve great things together with teamwork, common purpose, and a shared vision. 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! 

The Deposit Operations - Customer Service – On-Line Banking 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 Services 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

  • Set up, perform maintenance and troubleshoot Online Banking Services
  • 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

Customer Service Department Day-to-Day 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
  • Balance customer checkbooks
  • Process stop payment requests
  • Process over the phone and in person requests for transfers, loan, and credit card payments
  • Complete research requests and various projects as needed

 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

  • Medical insurance
  • Dental insurance
  • Vision Insurance
  • Long Term Disability
  • Group Life Insurance
  • Short Term Disability
  • Voluntary Life Insurance
  • PTO
  • Paid Holidays
  • 401(k) with company match

Apply Now

SBA Lender

Position: SBA Lender

Location: St. Louis Park

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 SBA Lender will focus on the various programs sponsored by the SBA and have a basic understanding of SBA programs and products. Additionally, the SBA Lender will coach other commercial lenders at CIB on the various SBA programs and guidelines. The SBA Lender will discuss opportunities for SBA program eligibility with other Lenders in the Bank and work closely with CIB Lenders to ensure SBA eligibility is maintained. Additionally, the SBA Lender 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.

PREFERRED REQUIREMENTS

  • A college degree and/or 5 to 10 years of job related experience.
  • SBA Program/SBA Lending experience is preferred

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.