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About

Careers

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Customer Driven. Community Focused.

Citizens Alliance Bank is a growing organization that services eight communities in Minnesota and three communities in Montana. Our goal is to exceed customer expectations while providing an enriching, fulfilling and rewarding work environment for our employees. All of our locations share our company’s culture, which allows unity from miles away, binds us as an organization and sets us apart from our competition. Citizens Alliance Bank offers competitive wages and benefits, training and advancement opportunities and is an employee orientated organization.

We are looking for smart, hard-working individuals who value creativity, diversity and a positive work environment for the following open positions:


 

Current Open Positions

Credit Analyst II
Lending Department – Located in Clara City, MN

Credit Analyst II

Citizens Alliance Bank, its Directors, Officers and Employees are committed to meeting the challenges of the future of the organization.  We are a family friendly, dynamic and industrious place to work.

We are currently seeking a Credit Analyst II in our Clara City location. This position is responsible for providing proven and competent credit analysis for commercial and/or agricultural lending activities, assistance in the administration of commercial and/or agricultural borrowing accounts, and the support of other credit related functions with minimal direction and supervision.

This position provides adequate technical advice relating to credit analysis and assists with the compilation and preparation of written credit presentations under the direction of Lending Officer(s). This individual will also assume and share responsibility for conducting routine loan account monitoring, including covenant tracking and reporting, collateral audits, borrowing base analysis and analysis of interim financial information from borrowers.

The Credit Analyst II must exhibit the ability to independently exercise responsibility with regard to planning work, establishing priorities, and maintaining appropriate documentation and records on financial analysis projects. Performance of all job responsibilities shall be in accordance with compliance requirements.

Citizens Alliance Bank is a great place to work with competitive wages and benefits. We are customer driven and community focused in all of our locations.

 

Accountabilities

  • Spread financial statements, including tax returns as requested and provide detailed reports that succinctly summarize financial information with minimal direction and supervision; describe collateral quality and coverage; identify, evaluate and mitigate repayment risks; provide other relevant information for use in the credit decision process.
  • Maintain a working knowledge of financial analysis software and/or spreadsheets in order to provide overall support and assistance to Lending Officers in the financial analysis process. Facilitate and support training of junior Credit Analysts.
  • Conduct industry research and locate resource material for peer comparison.
  • Review and analyze incoming financial statements. Update and/or complete financial spreads and covenant monitoring spreadsheets to be forwarded to the appropriate Lending Officers.
  • Review and assist in ongoing surveillance tracking and monitoring of covenants for larger credits.
  • Review and assist in ongoing surveillance tracking and monitoring of accounts receivable and inventory aging and borrowing base certificates received from borrowers.
  • Update the loan customer information system with current and up to date credit analysis information.
  • Assist in the performance of loan collateral audits, as requested.
  • Prepare collateral inspection and in-house evaluation reports that are consistent with safe and sound banking practices.
  • Provide well-written analysis for credit presentations, file comments and annual reviews. Maintain monitoring, tracking, and reporting while working with lenders to keep loan file comments and ticklers current.
  • Provide monitoring support and analysis on specialized portfolios.
  • Perform duties in accordance with company policies and procedures, as well as Federal and State Regulations and Laws.
  • Complete other duties as requested.
  • Physical presence in the bank is required.
  • Adherence to all BSA/AML Laws, Regulations and Compliance will be required in this position.
  • Travel to other bank locations will be required.

Job Specifications

Attributes of the successful candidate will include the ability to work independently, and professionally, be able to maintain a high level of focus and accuracy. Strong communication, time management, sales and service skills are required.

Education

  • High school diploma or GED.
  • A Bachelor’s degree in Finance, Business, or similar field of study from a public or private accredited institution of higher education or equivalent work experience is preferred.
  • Continuing Education in order to maintain job knowledge is required.

Experience

  • Three to five years of Credit Analyst, or equivalent experience, is preferred.
  • Proficiency in Microsoft Suites is preferred.
  • Physical presence in the bank is required.

 

Salary will be based on qualifications. Citizens Alliance Bank offers a competitive benefits package.

Citizens Alliance Bank is an Equal Opportunity Employer of Protected Veterans and Individuals with Disabilities.

Loan Officer I
Lending Department – Located in Lake Lillian, MN

Loan Officer I

Citizens Alliance Bank, its Directors, Officers and Employees are committed to meeting the challenges of the future of the organization. We are family friendly, dynamic and industrious place to work.

We are currently seeking a Loan Officer in our Lake Lillian Branch location. A Loan Officer I is responsible for managing an existing loan portfolio, develop new business, underwriting, structuring and closing of all loans in accordance with the Bank’s established policies and procedures.  They must exercise sound judgment in the loan making process. This position will have extensive customer contact and will be responsible for all operational aspects for all types of commercial and commercial loans.

Each Loan Officer I is responsible for abiding by and keeping up to date on the Bank’s lending policies in addition to State and Federal lending regulations.  All Loan Officers are expected to meet and/or exceed Citizens Alliance Bank’s customer service levels as well as the over-all goals of the organization.

Lenders are expected to meet and/or exceed Citizens Alliance Bank’s customer service levels as well as the over-all goals of the organization.

Citizens Alliance Bank is a great place to work with competitive wages and benefits. We are customer driven and community focused in all of our locations.

 

Essential Functions

  • Demonstrate excellent written and verbal communication skills.
  • Training and Knowledge of regulations governing consumer and 1–4 family lending practices.
  • Innovative outlook to drive continual progress and retention.
  • Process consumer loan transactions and provide assistance on transaction inquires.
  • Have the ability to analyze financial statements, cash flows, pay records and tax returns.
  • Present credits and loans for approval to appropriate authority, as required.
  • Be pro-active in obtaining new consumer, and 1–4 family residential loan customers for the bank.
  • Demonstrate the ability to prioritize work load.
  • Take consumer, and 1–4 family loan applications and approve or reject loan requests in accordance with loan policies and procedures.
  • Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance and operations.
  • Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish the Bank’s goals.
  • Travel may be required to accommodate functions at other facilities.
  • Adherence to all BSA/AML Laws, Regulations and Compliance will be required in this position.
  • Assist co-workers as needed.
  • Demonstrate a strong commitment to customers and the Bank.
  • Service loan portfolio to ensure documentation requirements are met.
  • Travel for trade and industry schools and seminars.
  • Perform other duties as assigned and requested.

Education

  • A Bachelor’s Degree in Finance or Business Management from a four-year public or private accredited institution of higher learning or a minimum of four years of experience in a related field is preferred.

Experience

  • Three (3) to Five (5) years of banking experience
  • Three (3) to Five (5) years of customer service experience
  • Proficiency in Microsoft Suites is preferred; familiarity with loan documentation and boarding software

 

Salary will be based on qualifications. Citizens Alliance Bank offers a competitive benefits package.

Citizens Alliance Bank is an Equal Opportunity Employer of Protected Veterans and Individuals with Disabilities.

Senior Vice President/Market Manager
Lending Department – Located in Granite Falls, MN

Senior Vice President/Market Manager

Citizens Alliance Bank, its Directors, Officers and Employees are committed to meeting the challenges of the future of the organization. We are family friendly, dynamic and industrious place to work.

We are currently seeking a SVP/Market Manager in our Granite Falls branch location. The SVP/Market Manager will make the necessary decisions to improve branch profitability and growth through greater market share.   Promote goodwill for the bank through active participation in community organizations and events.  Do all the above in accordance with the Bank’s operating and lending policy and procedures.  Actively engage in identifying new referral sources and customer prospects within their specific Market and surrounding communities and involve other Lenders.  Provide additional marketing and sales development support, training and mentoring to these same Lenders. They will assist in directing and managing the daily operations of the branch, either directly or through their Operations Lead.

Directs and manages the day to day strategic priorities and related communications associated with Lenders and Lending Administration personnel.  Individual is responsible for administration and coordination of the Bank’s sales and customer development activities, including customer prospecting and referrals efforts.  Promotes and leads bank sales initiatives and programs, including new business niches and lines of business.  This individual will be required to effectively balance their day to day management and supervisory duties with also managing and maintaining an individual loan portfolio.

SVP/Market Managers are expected to meet and/or exceed Citizens Alliance Bank’s customer service levels as well as the over-all goals of the organization.

Citizens Alliance Bank is a great place to work with competitive wages and benefits. We are customer driven and community focused in all of our locations.

Essential Functions

  • Assists with oversight of daily operations of the branch, specifically lending functions and the interaction between lending and operations personnel.
  • Develop new business by contacting prospects and customers for banking services and products; responsible for cross-selling bank products and services, along with managing assigned portfolio of bank customers.
  • Maintains a determined level of personal production and actively pursues new loan and deposit relationships.
  • Performs primary lending function within branch in accordance with Bank lending policies and procedures; Deal with loan customer requests, including collecting and analyzing financial and related data in order to reach credit decision; establishing and negotiating terms in the extension of credit, including costs, fees, and repayment and collateral terms.
  • Oversee the branch building administration and maintenance; ensure branch office is maintained in clean, efficient and profitable manner.
  • Motivates and monitors lending performance in reaching sales and service goals by creating positive and productive work environment.
  • Provides sales and service leadership, including coaching, training and mentoring to lending staff.
  • Implements and ensures all operational audits, including bank policies and procedures are being adhered to; responsible for taking prompt corrective action on internal/external branch audit findings.
  • Coordinate and supervise location specific vendors and service providers, including payment approval and invoice coding of monthly office expenses directly or through designated subordinates.
  • Respond to daily correspondence regarding bank office matters and/or bank customers or direct such matters to appropriate bank personnel for answering.
  • Conduct job performance interviews with Lending Officers and Loan Administration personnel, including the development and tracking of individual employee development goals and objectives.
  • Responsible for overall performance of lending and loan administration employees and departments at the branch.
  • Compliment and reward good employee performance and encourage individual improvement through outside schooling or job enlargement.
  • Maintains complete confidentiality with regard to sensitive customer and proprietary information.
  • Ensures branch lending personnel are adhering to the Bank’s service delivery standards.
  • Maintain good public relation with customers and the community. Assume community leadership and service responsible with focus on the Community Reinvestment Act.
  • Manage difficult situations with customers and provide them with a resolution, information or additional options. Ensure that quick and proper response to all reasonable customer requests.
  • Maintains complete confidentiality with regard to sensitive customer and proprietary information.
  • Perform as a team member in allocating and coordinating the work flow.
  • Adherence to all BSA/AML Laws, Regulations and Compliance will be required in this position.
  • Physical presence in the bank is required.
  • Travel may be required to accommodate functions at other facilities.
  • Travel for trade and industry schools and seminars.
  • Perform other duties as assigned and requested.
  • Adherence to all Bank Policies and Procedures will be required in this position.

Education

  • A Bachelor’s Degree in Finance or Business Management from a four-year public or private accredited institution of higher learning or a minimum of four years of experience in a related field is preferred.

Experience

  • Three (3) to Five (5) years of banking experience, is preferred.
  • Ten (10) to Fifteen (15) years of progressive commercial and agricultural lending experience, is required.
  • Five (5) to Ten (10) years of progressive management and leadership experience and responsibility, is required
  • Five (5) to Ten (10) years of customer service experience, is preferred.
  • Proficiency in Microsoft Suites is preferred; familiarity with loan documentation and boarding software

 

Salary will be based on qualifications. Citizens Alliance Bank offers a competitive benefits package.

Citizens Alliance Bank is an Equal Opportunity Employer of Protected Veterans and Individuals with Disabilities.

Vice President/Ag Loan Officer
Lending Department – Located in Clara City, MN

Vice President/Ag Loan Officer

Citizens Alliance Bank, its Directors, Officers and Employees are committed to meeting the challenges of the future of the organization. We are family friendly, dynamic and industrious place to work.

We are currently seeking a Ag Loan Officer in our Clara City location. The Ag Loan Officer will be responsible for managing an existing Ag loan portfolio and developing new Ag lending business.  This will require the candidate to be able to effectively underwrite, structure and close all types of Ag loans in accordance with the Bank’s established policies and procedures.  Must exercise sound judgment in the loan making process.

This position will have extensive customer contact and will be responsible for all operational aspects for Ag loans.  This individual will be responsible for abiding by and keeping up to date on the Bank’s lending policies in addition to State and Federal lending regulations.

Lenders are expected to meet and/or exceed Citizens Alliance Bank’s customer service levels as well as the over-all goals of the organization.

Citizens Alliance Bank is a great place to work with competitive wages and benefits. We are customer driven and community focused in all of our locations.

 

Essential Functions

  • Demonstrate excellent written and verbal communication skills.
  • Training and Knowledge of regulations governing all lending practices.
  • Innovative outlook to drive continual progress and retention.
  • Process Ag loan transactions and provide assistance on transaction inquires.
  • Have the ability to analyze financial statements, cash flows, pay records and tax returns.
  • Present credits and loans for approval to appropriate authority, as required.
  • Be pro-active in obtaining new Ag, loan customers for the bank.
  • Demonstrate the ability to prioritize work load.
  • Take Ag applications and approve or reject loan requests in accordance with loan policies and procedures.
  • Obtain and maintain a working knowledge of regulatory requirements as they relate to safety and soundness, compliance and operations.
  • Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish the Bank’s goals.
  • Strong prioritization and organizational skills
  • Understanding of general business and financial issues
  • Ability to manage multiple concurrent projects
  • Self-starter and ability to work both independently and in group setting
  • Strong interpersonal skills; ability to establish and maintain good relations with co-workers and other bank personnel; ability to work with all levels of employees
  • Travel may be required to accommodate functions at other facilities.
  • Adherence to all BSA/AML Laws, Regulations and Compliance will be required in this position.
  • Ability to prioritize work load.
  • Assist co-workers as needed.
  • Perform other duties as assigned and requested.
  • Adherence to all Bank Policies and Procedures will be required in this position.

Education

  • A Bachelor’s Degree in Finance or Business Management from a f four-year public or private accredited institution of higher learning or a minimum of four years of experience in a related field.

Experience

  • Five (5) to Seven (7) years of experience with Ag lending, preferably in banking environment or related field.
  • Proficiency in Microsoft Suites is preferred; familiarity with loan documentation and boarding software

 

Salary will be based on qualifications. Citizens Alliance Bank offers a competitive benefits package.

Citizens Alliance Bank is an Equal Opportunity Employer of Protected Veterans and Individuals with Disabilities.


Would you like to be part of our team? For job details, application request or resume submission please contact:

Citizens Alliance Bank

Attn: Human Resources

PO Box 430

Clara City, MN 56222

or e-mail careers@citizensalliancebank.com


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Citizens Alliance Bank is an Equal Opportunity Employer of Protected Veterans & Individuals with Disabilities.

The links below summarize the laws and regulations that we as a federal contractor are required to uphold and adhere to when reviewing and choosing applicants for open positions, as well as following all laws and regulations for all Citizens Alliance Bank employees.