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: Card Services Specialist
DEPARTMENT: Deposit Operations (Research and Recon Team)
CLASSIFICATION: Non-Exempt
REPORTING RELATIONSHIP
POSITION REPORTS TO: Research and Recon Team Lead / Deposit Operations Director
POSITIONS SUPERVISED: None
POSITION SUMMARY
The position of the Card Services Specialist is primarily responsible for processing Cardholder disputes in compliance with Regulation E guidelines, which includes the handling of cases from initiation to the finalization. This includes the tracking and posting of the funds either by providing provisional credit to the customer’s account, processing the money flow through the Shazam system and balancing the GL’s and DDA accounts associated for those purposes. Additionally, the Card Services Specialist will also process, and respond, to Zelle disputes in accordance with Zelle Fraud reporting requirements and Regulation E when applicable. The Card Services Specialist will support the other duties as assigned for the Research and Reconciliation Team.
ESSENTIAL DUTIES & RESPONSIBILITIES
- Responsible for the intake, logging, and evaluation of Cardholder Disputes, reviewing the forms for accuracy and the Shazam system to determine whether chargeback rights are available.
- Following Reg E guidelines for the required timing of provisional credit, required correspondence, for Cardholder and Zelle Disputes
- Responding to dispute cases submitted by other institutions through the Zelle Early Warning site and reporting fraud scams via the Jack Henry Paycenter Portal as required by Zelle.
- Processing Subpoena fulfillment and logging them for BSA review.
- Processing Levies, Garnishments, Notice of Freeze as well as other legal documentation as required.
- Reconciliation of Internal Checking and General Ledger Accounts
- ATM Balancing
- Zelle Settlement Balancing
- Support for the Branches and internal customers via the ticketing system platform
- Processing branch cash orders and shipments from the Federal Reserve site
- Processing foreign checks and balancing our account with our correspondent partner FNBB
- Reconciling our account and general ledger with the Federal Reserve
- Processing and logging DNE and Reclamation notifications and returning funds as required
- Assist with annual Escheatment.
- Perform customer research and tax corrections.
- Other duties as assigned
OTHER SKILLS/QUALIFICATIONS
- Strong analytical and reading comprehension skills
- Must be well organized and have good attention to detail
- Must have excellent verbal and written communication skills
- Must have problem solving and time management skills
- Ability to work as a team, be self-motivated and productive in a consistently evolving environment
QUALIFICATIONS
- Education: High School Diploma
- Experience: Prior banking experience is preferred
- Certifications/Knowledge: Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook and or other applicable software
PHYSICAL DEMANDS
There are no unusual physical demands for this job. May occasionally have to lift up to 25 pounds, typical of most office positions. This position requires a large amount of time in front of a computer therefore requires the ability to sit for long periods of time. May be required to travel occasionally. 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
This position is located in a cubicle environment detached from the official bank location. Specialist in this role should be accustomed to a professional business office environment in manner and dress. They should demonstrate excellent human relations skills with customers and bank employees and 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 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 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 TITLE: Teller & Customer Service Representative Floater – Full-time
DEPARTMENT:
CLASSIFICATION: Non-Exempt
REPORTING RELATIONSHIP
POSITION REPORTS TO: SVP & Retail Administrator
POSITIONS SUPERVISED: None
POSITION SUMMARY - Teller
Must provide quality customer service and adhere to the customer service standards as set forth by the bank. Conduct transactions between customers and the Bank accurately by following the Bank’s policies and procedures as well as federal regulations. Recognize opportunities to grow customer’s relationships by referring to other lines of business within the Bank as well as core banking products. Handle routine customer inquiries, problems and maintain favorable customer and employee relations by performing the following duties.
POSITION SUMMARY - CSR
It is this area of the Bank that greets and welcomes potential and existing customers. Responsibility of the associate in this position is to ascertain what the customer needs, and then determine how they can best be served. This position is responsible for the development of new business relationships and maintaining existing relationships. Answer questions on all services the Bank provides and recognizes selling and referral opportunities. Will cross-trains to perform various other duties including the teller line and atm to help the branch function efficiently.
ESSENTIAL DUTIES & RESPONSIBILITIES
Below includes the essential duties & responsibilities, other duties may be assigned.
- Counting and sorting money;
- Process deposits, withdrawals, payments & monetary instruments;
- Balance cash drawer daily;
- Complete Currency Transaction Reports;
- Complete Monetary Instrument Log;
- Adhere to Bank policy and federal regulations;
- Provide quality customer service;
- May be asked to assist customers with safe deposit entry;
- May assume ATM/Vault processing and other duties as assigned
ESSENTIAL DUTIES & RESPONSIBILITIES-CSR
- Always attempt to cross-sell other Bank products and services, creating a more loyal and solid banking relationship.
- Provide quality customer service by adhering to the customer service standards as set forth by the Bank.
- Open &/or close &/or perform maintenance on accounts (checking, savings, CD’s, IRA’s, etc)
- Provide notary services
- Serve as back up teller
- Must be versed in bank operational and depository compliance including but not limited to completing CTR reports and monetary instrument logs
EDUCATION &/OR EXPERIENCE
- High school diploma or GED (General Education Degree) required.
- Computer literacy preferred. Knowledge of Word & Excel a plus.
EDUCATION &/OR EXPERIENCE- CSR
- High school diploma or equivalent.
- Successful completion of in-house training program or other new accounts’ training.
- Six months prior banking experience or related customer service position
- Prior sales experience and cash handling experience is preferred
OTHER SKILLS / QUALIFICATIONS
- Demonstrates excellent customer service consistently;
- Basic computer skills (10 key);
- Communicate well with customers and their team mates;
- Must possess basic language skills to write and speak clearly, effectively and appropriate to business standards;
- Adheres to customer service standards and serve as a role model to fellow associates;
- 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 and have thorough knowledge of teller functions and responsibilities.
- Shows initiative and will go the extra mile for customers and the team while working within the scope of Bank policy;
- 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.
OTHER SKILLS / QUALIFICATIONS - CSR
- Must possess basic language skills to write and speak clearly, effectively and appropriately to general business standards.
- Must have the ability to perform mathematical calculations necessary to execute the duties of the 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 cooperative and willing to assist others.
- Must have good listening skills as well as proper phone etiquette
- Must be able to multi-task and work under pressure.
PHYSICAL DEMANDS
To process transactions, handle cash, inspect negotiable instruments and operate required teller equipment, the employee is required to stand for long periods of time and they must possess satisfactory vision and hand/finger dexterity to perform the job duties. At times an employee might need to utilize step stools/small ladders necessitating the ability to climb, balance, kneel, stoop, bend and reach. Employee might be required to occasionally lift or move up to 25 pounds. 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.
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.
POSITION DESCRIPTION
POSITION TITLE: Trust and Wealth Specialist
DEPARTMENT: Trust and Investment Department
CLASSIFICATION: Non-Exempt
REPORTING RELATIONSHIP
POSITION REPORTS TO: Sr. Trust and Wealth Advisor, and Office Supervisor, with indirect leadership and management from the Chief Investment Officer, Trust Compliance and Administration Officer and Wealth Advisor
POSITIONS SUPERVISED: None
POSITION SUMMARY
This position is responsible for a wide variety of administrative and/or operational duties to support the day-to-day activities for the trust department. This individual will work closely with one or more trust advisors, the trust compliance and administration officer and the chief investment officer. The ultimate outcome is successful trust compliance and operations within the compliance framework established by the bank and codified in the policies and procedures manual.
This position can be cross-trained on additional functions and can serve as back-up support for other staff within the unit.
ESSENTIAL DUTIES & RESPONSIBILITIES
- Responsible for the day to day administration of accounts within the trust department;
- Accurately processing daily operational tasks on one or more of our core systems in a timely basis. Work is high volume and large dollar value. Frequently interacts with both internal and external counter parties to receive and deliver instructions for completing and properly processing work. If instructions are not clear or insufficient to detail, identifies problem and proactively resolves such with the instructing party.
- Independently research and resolve processing issues. Performs system balancing work and monitors own work for accuracy.
- Professionally interacting and with wealthy clients as well as trust beneficiaries.
- Research and respond to client inquiries. Responds to our client inquiries regarding their work in a timely, clear and appropriate manner.
- Demonstrates knowledge of and is sensitive to the current regulatory environment; adheres to the Bank’s risk vision, and risk management policies and procedures; recognizes and proactively addresses risk (including but not limited to those associated with Bank Secrecy Act, anti-money laundering, consumer compliance, fair lending, fiduciary responsibilities, and privacy): Identifies and appropriately manages risks.
- Provide relationship and administrative support to the other staff within the unit
- Provide clerical support for the trust and wealth advisor, trust compliance and administration officer and the chief investment officer;
- Operational functions and duties may include performing daily reconcilement of the trust accounting systems to respective trading companies as well as trust internal checking accounts; posting and reconciling income processing for money market funds, DTC and Mutual Fund securities; processing of incoming and outgoing wires for daily settlement of trades with respective trading companies; processing of daily trade confirmations with respective trading companies; processing and posting of all incoming and outgoing client account transfers; setting up and processing of client disbursements.
- Occasional travel in the local area
EDUCATION &/OR EXPERIENCE
- Some experience in trust administration or operations and compliance is highly desirable;
- Direct work experience in Microsoft Word, Excel, PowerPoint (Preferred, but not critical), and Outlook;
- Must have strong analytical skills and be capable of multi-tasking;
- Have the ability to work in a deadline driven, high volume environment;
- Strong verbal and written communication skills
- Organized and detail oriented;
- Experience in financial and wealth management is highly desirable.
- High school diploma or equivalent; and
- Some college education is a plus, but not required.
OTHER SKILLS / QUALIFICATIONS
- Be organized, able to work in a complex environment, and take initiative;
- Possess proficiency with the Microsoft Office Suite of products, i.e., Word, Excel, PowerPoint, etc.;
- Be able to grasp and use trust accounting systems; and
- The ability to work with colleagues, clients and beneficiaries in a dignified manner.
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; may need to work overtime hours when asked. 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. Must be committed to CB&T’s Customer Service Standards.
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 programs, policies and procedures. Required to comply extensively with fiduciary regulations as expounded in a policies and procedures manual and take instruction from the operations/compliance manager
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.