Citizens Bank Job Openings                                                        


ALL POSITIONS REQUIRE A MINIMUM OF A HIGH SCHOOL DIPLOMA OR GED.          

    

Benefits
Citizens Bank offers a competitive comprehensive benefits package that clearly shows that the company is dedicated to employee satisfaction. 


Opportunities
Citizens Bank is a locally owned and operated community bank headquartered in Elizabethton, TN.  We understand that our employees are our number one asset.  Come, be a part of a winning team celebrating 85 years of service to our community. 



Citizens Bank is proud to be an Equal Opportunity Employer.

EEO/AA/M/F/Vets/Disability

Please send resumes to the following:
Email: hr@citizensbank24.com
Fax: 423-547-2194
Mail:
Citizens Bank 
Attn: Human Resources Department 
PO Box 1900 
Elizabethton, TN 37644-1900

Department:  Mortgage Lending

FLSA Status: Non-Exempt


SUMMARY

Provides professional support to Mortgage Loan Originators by assembling in-house, secondary market and government loan packages.


ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Sends requests for verification of employment and deposit for applicants, requests credit report updates, tax transcripts, preliminary title work, flood certification and any other documentation necessary for completion of the loan file.

Prepare re-disclosures for change in circumstance for customers’ signatures.

Contacts parties involved (attorneys, appraisers when necessary and investor underwriters) throughout the process to ensure timely receipt of necessary information.

Analyze credit and property documentation to determine secondary market eligibility (Fannie Mae, Freddie Mac, VA, USDA and investors).  Package and submit loans for investor underwriting.    

Prepares loan closing packages including closing disclosures.

Payment and balancing of loan-related invoices through third-party vendor system.

Funding of loans.

Preparing setup documents for Credit Department.

Complete HMDA input sheets.

Scanning and indexing post-closing record retention documents in DocStar.

Must possess ability to work with others in a team environment and follow work rules and procedures.

Must be able to accept direction and constructive criticism from supervisors.

 

SUPERVISORY RESPONSIBILITIES
None

QUALIFICATIONS.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND EXPERIENCE.
High school diploma or equivalent; six months to one year experience in lending support.

LANGUAGE SKILLS.
Ability to read and comprehend instructions, procedures, correspondence, and memos.  Ability to write simple correspondence.  Ability to effectively present information in one-on-one and small group situations to loan officers, appraisers, attorneys, investor underwriters and other employees of the organization.

MATHEMATICAL SKILLS.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions and decimals.  Ability to compute rate, ratio, and percent.

REASONING ABILITY.
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS.
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.

While performing the duties of this job, the employee is regularly required to sit; use hands to write, type, file, etc.; and to talk and hear.  The employee is occasionally required to stand and walk.  The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of his job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

Department:    Operations

Reports to:      Process Improvement Manager

FLSA Status:   Exempt     


SUMMARY

Will support bank’s continuous technology evolution and process improvement by assisting end users to acquire knowledge and tools needed to efficiently interact with applications implemented by the bank. Will act as application support for selected products and assist in handling internal support calls.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

  • Epicor DocStar ECM
    • Will train to become proficient in DocStar, the bank’s document imaging and workflow system, understanding both user and administrative functions
    • Existing workflows:
      • Provide support to end-users
      • Research situations when workflows are not behaving as expected, make recommendations on how to address, implement solution
      • Modify workflows as needed
    • New workflows:
      • Study existing processes
      • Design improved digital workflows
      • Create, test, and implement workflows
    • Work with DocStar support when needed
    • Train end users
    • Update, maintain, and create documentation


  • Office 365
    • Provide application support to bank staff on end-user functions of core Office 365 products (Outlook, Word, Excel, PowerPoint, Teams)
    • Identify training needs and conduct training


  • Other products
    • Train to become proficient in using applications implemented by the bank such as DocuSign, Sharefile, Webex, Xperience User Interface, and Synergy.
    • Support end-users
    • Create and maintain documentation
    • Act as a liaison between end users and vendor support


  • Projects
    • Support process improvement projects and technology initiative undertaken by the bank


QUALIFICATIONS.  To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  Strong communication skills, adaptability, and projecting positive attitude towards change are necessary.  Qualified candidate must enjoy empowering bank team members to expand their skill sets.  The requirements listed below are representative of knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


EDUCATION AND EXPERIENCE.   Bachelor’s Degree or Relevant experience preferred.


COMPUTER SKILLS. 

  • Must have aptitude for working with technology
  • Is proficient in core Office 365 products (Outlook, Word, Excel, PowerPoint, Teams, OneNote); proficiency with other Microsoft products such as Access and Power Platform is a plus
  • Adobe Acrobat DC knowledge is a plus
  • Prior experience with workflow development, document imaging systems, or low-code platform development is a plus


SUPERVISORY RESPONSIBILITIES.
None

Other.
Some travel may be required.

LANGUAGE SKILLS.
Strong analytical, oral communication and technical writing abilities. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, and governmental regulations.  Ability to write reports, business correspondence, and procedure manuals.  Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.  

MATHEMATICAL SKILLS.
Ability to work with mathematical concepts such as probability and statistical inference.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. 

REASONING ABILITY.
Ability to envision “best case” options for process improvements and make informed decisions as to compromises (“tradeoffs”) that may be recommended or acceptable.  And possess the ability to communicate the reasons to management as to why a “less than best case” option is acceptable or recommended.  Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS.
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.

While performing the duties of this job, the employee is regularly required to sit; use hands to write, type, file, etc.; and to talk and hear.  The employee is occasionally required to sit, stand, walk and reach with hands and arms.  The employee must frequently lift and/or move up to 25 pounds and occasionally lift and/or move up to 50 pounds.  Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of his job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

DEPARTMENT:  Accounting

 REPORTS TO:    Controller

                                                                                

SUMMARY

Responsible under the direction of the Controller and Senior Accounting Officer for the bank’s investment portfolio accounting, other assigned accounting functions and to assist with financial reporting. Performs a variety of accounting duties according to existing procedures, methods, and systems. Receives, sorts, and proofs accounting documents, posts totals to ledger accounts, reviews internal records, reconciles accounts, and performs other related duties. 

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.


  • Responsible to maintain investment securities accounting records.


  • Perform monthly investment portfolio reconciliations.


  • Prepare investment portfolio reports to management and board.


  • Execute investment transactions with approved securities dealers, correspondent banks and other approved parties.


  • Posting of accounting entries and transactions.


  • Preparation of account reconciliations.


  • Assist with the preparation of financial reports.


  • Cross-train and provide backup on other accounting duties as assigned.


  • Assist with data gathering for exam and audit requests and for yearend financial statements.


  • Other duties as assigned.


  • Must possess ability to work with others in a team environment and follow work rules and procedures.


  • Must be able to accept direction and constructive criticism from supervisors.



SUPERVISORY RESPONSIBILITIES

  • None.


QUALIFICATIONS.  To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


EDUCATION AND EXPERIENCE.2-5 years of experience in a banking or financial environment.  Experience with bank accounting.  Bachelor’s degree from four-year university in accounting preferred. Experience with bank investment securities portfolio accounting preferred.


LANGUAGE SKILLS.  Ability to read, analyze and interpret common scientific and technical journals, financial reports and legal documents.  Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively communicate verbally and present information to management, public groups, and/or boards of directors.


MATHEMATICAL SKILLS.  Ability to work with mathematical concepts such as probability and statistical inference.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.


COMPUTER / SOFTWARE SKILLS.  Proficient user of Microsoft Excel and Word.  Ability to learn new software applications quickly and effectively. 


REASONING ABILITY.  Ability to define problems, collect data, establish facts, and draw valid conclusions.  Ability to interpret an extensive variety of technical instructions in mathematical and deal with several and concrete variables.


CERTIFICATES, LICENSES, REGISTRATIONS

None required.


PHYSICAL DEMANDS.  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.


While performing the duties of this job, the employee is regularly required to sit; use hands to write, type, file, etc.; and to talk and hear.  The employee is occasionally required to stand and walk.  The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision.


WORK ENVIRONMENT.  The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of his job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


The noise level in the work environment is usually quiet.

DEPARTMENT:  Accounting

 REPORTS TO:    Comptroller

                                                                                

SUMMARY

Responsible to support the Controller and Senior Accounting Officer with for financial reporting and other accounting functions. Performs a variety of accounting duties according to existing procedures, methods, and systems. Receives, sorts, and proofs accounting documents, posts totals to ledger accounts, reviews internal records, reconciles accounts, and performs other related duties. 

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.


  • Posting of accounting entries and transactions.


  • Preparation of account reconciliations.


  • Assist with the preparation of financial reports.


  • Cross-train and provide backup on other accounting duties as assigned.


  • Assist with data gathering for exam and audit requests and for yearend financial statements.


  • Other duties as assigned.


  • Must possess ability to work with others in a team environment and follow work rules and procedures.


  • Must be able to accept direction and constructive criticism from supervisors.



SUPERVISORY RESPONSIBILITIES

  • None.


QUALIFICATIONS.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


EDUCATION AND EXPERIENCE.
Graduate with a bachelor’s degree from a four-year university in accounting OR 2-5 years of accounting experience in a banking or financial environment.

 

LANGUAGE SKILLS.
Ability to read, analyze and interpret common scientific and technical journals, financial reports and legal documents.  Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively communicate verbally and present information to management, public groups, and/or boards of directors.


MATHEMATICAL SKILLS.
Ability to work with mathematical concepts such as probability and statistical inference.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.


COMPUTER / SOFTWARE SKILLS.
Proficient user of Microsoft Excel and Word.  Ability to learn new software applications quickly and effectively. 


REASONING ABILITY.
Ability to define problems, collect data, establish facts, and draw valid conclusions.  Ability to interpret an extensive variety of technical instructions in mathematical and deal with several and concrete variables.


CERTIFICATES, LICENSES, REGISTRATIONS
None required.


PHYSICAL DEMANDS.
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.

While performing the duties of this job, the employee is regularly required to sit; use hands to write, type, file, etc.; and to talk and hear.  The employee is occasionally required to stand and walk.  The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision.


WORK ENVIRONMENT.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of his job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


The noise level in the work environment is usually quiet.

Department:             Retail Banking

Reports To:             Branch Manager

FLSA Status:           Non-Exempt


SUMMARY

Provides a Way Over Wonderful (WOW) customer experience by assisting customers with all their banking needs.  This will include engaging customers in conversations that will build lasting relationships, helping them meet their financial goals by recommending products suited to needs.    

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.


Complete customer transactions quickly and efficiently according to policy and procedure, ensuring compliance with internal controls.


Possess superior knowledge of bank products.


Be familiar with bank’s website in order to offer and explain to customers the benefits of internet and mobile banking.


Identify opportunities to refer customers to other areas of bank as appropriate.


Possess an understanding of account fraud; how and where to refer customers for assistance.


Complete compliance courses as scheduled.


Must possess ability to work with others in a team environment and assist with any and all duties as necessary.


Requires regular attendance and punctuality.

 

SUPERVISORY RESPONSIBILITIES.
This job has no supervisory responsibilities.

QUALIFICATIONS.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE.
High School diploma or general education degree (GED); new hires will possess six months to one year customer facing experience. 

LANGUAGE SKILLS.
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  Ability to write routine reports and correspondence.  Ability to communicate effectively with customers and/or employees of organization.

MATHEMATICAL SKILLS.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.

REASONING ABILITY.
Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.  Ability to deal with problems involving a few concrete variables in standardized situations.

PHYSICAL DEMANDS.
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.

While performing the duties of this job, the employee is regularly required to stand; use hands to write, type, file, etc; and talk or hear.  The employee frequently is required to walk and reach with hands and arms.  The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Department:          Retail Banking

Reports To:             Lenoir City, Tennessee Branch Manager

FLSA Status:           Non-Exempt


SUMMARY

Provides a Way Over Wonderful (WOW) customer experience by assisting customers with all their banking needs.  This will include engaging customers in conversations that will build lasting relationships, helping them meet their financial goals by recommending products suited to needs.    

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.


Complete customer transactions quickly and efficiently according to policy and procedure, ensuring compliance with internal controls.


Possess superior knowledge of bank products.


Be familiar with bank’s website in order to offer and explain to customers the benefits of internet and mobile banking.


Identify opportunities to refer customers to other areas of bank as appropriate.


Possess an understanding of account fraud; how and where to refer customers for assistance.


Complete compliance courses as scheduled.


Must possess ability to work with others in a team environment and assist with any and all duties as necessary.


Requires regular attendance and punctuality.

 

SUPERVISORY RESPONSIBILITIES.
This job has no supervisory responsibilities.

QUALIFICATIONS.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE.
High School diploma or general education degree (GED); new hires will possess six months to one year customer facing experience. 

LANGUAGE SKILLS.
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  Ability to write routine reports and correspondence.  Ability to communicate effectively with customers and/or employees of organization.

MATHEMATICAL SKILLS.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.

REASONING ABILITY.
Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.  Ability to deal with problems involving a few concrete variables in standardized situations.

PHYSICAL DEMANDS.
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.

While performing the duties of this job, the employee is regularly required to stand; use hands to write, type, file, etc; and talk or hear.  The employee frequently is required to walk and reach with hands and arms.  The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.