Human
Resources
Careers
Our employees are an integral part of who we are and our success is directly related to their dedication and performance. We treat our employees as individuals and value the ongoing contributions and dedication they provide to our bank on a daily basis. Our employees make us GREAT!
Citizens Bank & Trust is recognized as one of the Best Places to Work by CareerSource Polk.
Application form must be completed in its entirety, signed and emailed to myfuture@citizens-bank.com.
Please do not send confidential information when emailing Citizens Bank & Trust staff.
Current Openings
POSITION DESCRIPTION
POSITION TITLE: Assistant Treasurer
DEPARTMENT: Accounting
CLASSIFICATION: Non-Exempt
REPORTING RELATIONSHIP
POSITION REPORTS TO: Chief Financial Officer
POSITIONS SUPERVISED: Accounting Specialist (Wire Transfer)
POSITION SUMMARY
Acting under the direction of the CFO, this position is responsible for several key areas, including annual budgeting for the bank and periodic forecasting, asset liability management reporting, liquidity reporting and alternative funding analysis. In addition, this position manages the Wire Transfer Function for the Bank, and directly supervises the Accounting Specialist that is responsible for Wire Transfers and Daily Cash Management processing with Fed, FHLB and the Correspondent Banks.
ESSENTIAL DUTIES & RESPONSIBILITIES
- Annual Budgeting and Periodic Forecasting Process (20%)
- Asset and Liability Management Analysis and Reporting (20%)
- Communicate quarterly assumptions and work with 3rd party to deliver quarterly reports
- Manage NMD Study and Stress Testing Process with Vendor
- Prepare Policy Compliance Reporting and Trend Analysis
- Attend and document Quarterly ALCO Meetings
- Maintain Interest Rate Risk Policy (IRR/EVE), at the CFO’s Direction
- Investment Accounting (15%)
- Ensure bonds are booked accurately on 3rd party system
- Manage Bond Settlements (Sales and Purchases)
- Manage Bond Pledge Position for Funding
- Document Basis for Purchases and Sales of Investments
- Prepare Investment Reports for the Board and ALCO
- Maintain investment policy, at the CFO’s Direction
- Liquidity Analysis/Reporting (15%)
- Analyze Funding Options
- Provide Liquidity and Liquidity Contingency Reporting
- Provide Correspondent Bank Analysis
- Maintain Liquidity and Liquidity Contingency Policies, at the CFO’s Direction
- Wire Transfer and Cash Management (15%)
- Oversee wire transfer system and resolve technical issues
- Ensure wire transfer staff are properly trained
- Ensure wire transfer roles are assigned during absences of staff
- Ensure operational procedures are in place
- Review and approve daily cash management activity
- Maintain wire policy, at the CFO’s Direction
- FDICIA Reporting Requirements (5%)
- Other Accounting Assignments (10%)
- Special Analysis Projects
- Reconcilements and Reporting
- Backup Assigned Functions (Wire, etc.)
- Other duties as assigned.
EDUCATION &/OR EXPERIENCE
- College degree in accounting, finance, management, or economics.
- Minimum of 3 years job-related experience.
- Strong knowledge of accounting practices and policies.
- Banking and Investment Knowledge a plus.
- Must be skilled in Windows, Microsoft Excel and Microsoft Word.
- Must be skilled or able to quickly learn Cognos reporting tool.
OTHER SKILLS / QUALIFICATIONS
- Must possess basic language skills to write and speak clearly, effectively and appropriate to business standards.
- Must have the ability to perform mathematical calculations necessary to execute the duties of job.
- Must be able to make sound decisions, have the ability to recognize potential problems, and take appropriate corrective action.
- Must be well organized, accurate, and attentive to details.
- Must be able to work under time constraints.
- Must be cooperative and willing to assist others.
PHYSICAL DEMANDS
No unusual physical demands required for this job. Must be able to do sedentary work. May occasionally have to lift up to 10 pounds typical of most office positions. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
WORK ENVIRONMENT
Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relations skills with customers and bank associates. Must be willing to participate as a team member.
COMPLIANCE WITH REGULATORY REQUIREMENTS
Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable Citizens Bank & Trust, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understands their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures.
POSITION DESCRIPTION
POSITION TITLE: Credit Administration Assistant
DEPARTMENT: Credit Administration
CLASSIFICATION: Non-exempt
REPORTING RELATIONSHIP
POSITION REPORTS TO: Credit Policy Officer
POSITION SUMMARY
This position assists the SVP/Credit Policy Officer with credit administration administrative functions. While it is not a sales position, the duties will at times involve working with multiple lenders and potentially external customers as well. Position will require travel occasionally therefore employee must be able to commute to various locations.
ESSENTIAL DUTIES & RESPONSIBILITIES
- Review all credit request for completeness per provided checklist prior to engaging the credit department for credit analysis.
- Responsible for organizing final credit package for review by loan committees.
- Responsible for preparing directors loan committee and board loan committee agendas and also preparing minutes for stated meetings.
- Responsible for preparing packages and engaging executive loan committee for approval for credits within executive loan authority.
- Responsible for engaging Loan Processing to complete loan documentation once all approvals are obtained and customer has agreed to terms.
- Responsible for scanning all packages, financial documentation, and any other documentation that is to be part of the credit file in Search Express. This position is responsible for managing and maintaining the credit database which houses our virtual commercial credit files.
- Responsible for assisting Credit Policy Officer(CPO) with approved appraiser annual requests.
- Responsible for assisting CPO with providing reports or documentation requested for examinations and audits which take place at minimum 4 weeks per year. This information is to be provided only when directed by the CPO.
- Responsible for preparing financial tracking by using internal technology for bank to remain regulatory compliant with minimal financial technical exceptions.
- Responsible for completion of Special Project assigned by the CPO.
SUPERVISORY RESPONSIBILITIES
- None
EDUCATION &/OR EXPERIENCE
- Requires high school diploma or equivalent.
- College education preferred.
- Prior bank experience is required.
- Prior loan experience is preferred.
OTHER SKILLS / QUALIFICATIONS
- Must have valid driver’s license and POV (Personally Owned Vehicle).
- Must be able to work with diverse team.
- Self-starter with desire to learn.
- Must possess basic language skills to write and speak clearly, effectively and appropriate to business standards.
- Must be well organized, accurate, and attentive to details.
- Must be cooperative and willing to assist others.
- Must be able to deal with stressful situations.
- Must be able to multi-task.
- Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the Bank.
- Will be required to travel to various offices when needed.
PHYSICAL DEMANDS
No unusual physical demands required for this job. Must be able to do sedentary work. May occasionally have to lift up to 10 pounds typical of most office positions. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
WORK ENVIRONMENT
Professional environment working minimum 40 hours per week. Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relations skills with customers and bank associates.
COMPLIANCE WITH REGULATORY REQUIREMENTS
Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable programs, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understands their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures.
POSITION DESCRIPTION
POSITION: Branch Manager
BRANCH HOURS:
Monday - Thursday – 8am – 5:30pm; Friday – 8am – 6pm
Saturday 8:30am – 12pm (if scheduled, averages a couple times a year)
(Saturday hours may not be at designated branch)
REPORTING RELATIONSHIP
POSITION REPORTS TO: SVP & Retail Banking Administrator
POSITIONS SUPERVISED: Varies depending on branch size
POSITION SUMMARY
The Branch Manager is responsible for managing and overseeing all areas of the branch’s operations. They will foster a positive environment and be committed to the success of the branch and its employees.
ESSENTIAL DUTIES & RESPONSIBILITIES
Responsible for leading the team to meeting and exceeding loan & deposit growth goals, expected service levels, and accountable for day-to-day operations and management of the branch and branch staff. Expected to interact with other lines of business within the bank. Responsibilities include:
- Provide quality customer service to existing and potential Bank customers
- Ensure that branch staff follows customer service standards
- Adhere to the bank’s core values and ensures that staff’s performance is in line with the same
- Hire, schedule, provide leadership, support, additional training if needed, and supervise branch employees
- Monitor daily, weekly, and monthly reports that pertain to branch activities
- Maintain knowledge of Bank policies and procedures, products and services
- Assist with periodic and annual audit and examination request. Ensure audits are being performed per bank policies and procedures and within regulations
- Evaluate staff’s work performance and provide feedback through consistent and ongoing coaching and communication
- Formulate recommendations and provide feedback to the SVP & Retail Administrator regarding operational policies and procedures and overall branch processes.
- Manage the security of the branch, including the issuance of keys and access to the Bank’s security alarm and vault area.
- Manage the Branch budget.
- Open and maintain customer relationship
- Make Business Development Calls
- Process loan applications; pursuant to authority, policy and procedure.
- Handle escalated customer concerns
- Assist SVP Retail Branch Administrator with projects as related to the branch
- Expected and encouraged to participate in civic/community organizations as well as attend bank sponsored events which could be after hours or on weekends
- Maintain a strong, visible and positive presence in the community
- Make referrals to other lines of business as well as the subsidiaries
- Other duties as assigned
OTHER SKILLS AND ABILITIES REQUIRED
- Must possess utmost professional qualities, high energy, results driven, and self-motivation
- Evidence of leadership abilities, a strong work ethic, detail orientation, and organizational skills
- Solid knowledge of Microsoft Word, Excel, and Outlook
- Excellent communication skills required, both written and verbal
- Must be cooperative and willing to assist others
- Must be able to deal with stressful situations
- Shows initiative and will go the extra mile for customers and the team while working within the scope of Bank policy
- Must have the ability to recognize potential problems and take appropriate corrective action.
- Ability to multi-task, work in a fast paced, changing environment and maintain a commitment to accuracy and timeliness.
- Ability to follow policies, procedures and written instructions, as well as verbal instructions or directions from his/her supervisor.
- Ability to maintain confidentiality.
- Expected to attend all required training or meetings which may be before or after normal business hours
- May be asked to work bank sponsored events in the evenings or on weekends as needed
TECHNICAL SKILLS NEEDED
- Knowledge and experience with operating a computer, calculator, and other general office equipment.
- Excellent social and communication skills:
- Use professional and clear verbal communication skills.
- High quality writing skills, using accurate word usage, grammar, spelling, and punctuation in all written correspondence.
- Ability to add, subtract, multiply, and divide, using whole numbers, and decimals. Ability to compute rate, ratio, and percent.
- Use professional phone etiquette, including tone and volume of voice.
SUPERVISORY RESPONSIBILITIES
- Directly supervises the assistant branch manager, head teller and tellers in the branch. Carry out supervisory responsibilities in accordance with the organization's policies and applicable laws.
- Responsibilities include:
- Interviewing and training employees
- Planning, assigning, and directing work
- Appraisal performance
- Rewarding and disciplining employees
- Addressing complaints and resolving problems.
DESIRED EDUCATION, TRAINING and/or EXPERIENCE
- High school diploma or equivalent required.
- Three to five years of progressively more responsible experience within a bank.
- A thorough knowledge of branch operations, lending policies and customer relations.
- Supervisory experience
PHYSICAL EFFORT NEEDED
The physical demands described here are representative of those that must be met by an employee to
successfully perform the essential functions of this job. Reasonable accommodations may be made to
enable individuals with disabilities to perform the essential functions.
- Regular, timely attendance during assigned work hours.
- Ability to stand for extended periods of time.
- Physical agility to allow movement from place to place.
- Normal physical strength to handle routine office materials and tools.
- Normal dexterity of hands and fingers.
- Occasional lifting and transporting up to 25 lbs.
- Occasional overtime or after- hours work required.
- Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
WORK ENVIRONMENT
Professional environment working 40 hours per week; may need to work overtime hours when asked. Will be required to work in the Saturday rotation. May be required to work at another branch on a Saturday and/or due to staffing shortages. Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relations skills with customers and bank associates.
COMPLIANCE WITH REGULATORY REQUIREMENTS
Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable programs, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understands their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures.
Equal Opportunity Employer/Affirmative Action & E-Verify Employer/Drug Free Workplace
Best Places to Work Employer
Citizens Bank & Trust is an Equal Opportunity Employment / Affirmative Action employer dedicated to workforce diversity and a drug-free and smoke-free workplace. Drug screening and background investigation are required, as allowed by law. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status. Citizens Bank & Trust also participates in E-Verify.