Citizens Bank Trainee – Southern Region (On Site)

Benefits
Citizens Bank offers competitive compensation and outstanding benefits:

• Medical, Dental, and Vision Insurance
• 401(k) with Employer Matching
• Employee Assistance and Wellness Program
• Life, Short-term, and Long-term Disability
• Up to 11 Paid Holidays
• Health and Dependent Care Reimbursement Accounts
• Paid Time Off. Paid Family Leave
• Banking Privileges

Position: Citizens Bank Trainee – Southern Region (On Site)
Location / Type / Hours
Citizens Bank branches in Albany, Lebanon, Corvallis, Philomath, Harrisburg, Junction City, Springfield, and Administrative Offices in Corvallis, Eugene, and Philomath. Must have the ability to travel to various branch locations for training as assigned.

Wage Range (hourly): $19.23-21.63, see below.
Type/Hours: Full-Time/Non-Exempt, Mon-Fri 8pm-5pm
Reports to: Training Manager/Deposit Services

Position Description
Our Citizens Bank Training Program is a formal training program providing participants an initial broad exposure to community commercial banking with an emphasis on lending. During the program, participants will gain on-the-job knowledge, skills, and experience in bank operations, credit analysis, loan negotiation and structure, loan processing, and regulation compliance. The goal is to have participants graduate from the program and transition into a position in Operations, Administrative or a Branch role such as a Credit Analyst. Average tenure in the Citizens Bank Training Program is 12 - 24 months, depending on the state of readiness of the individual and opportunities for promotion within the bank.

Training Program At-A-Glance

Phase I: The first 3 – 4 months will include branch operations training in the roles of Teller, New Accounts, and Operations to develop knowledge of bank products, bank operations processes and procedures, regulations, and compliance. These roles/departments include: Teller, New Accounts, Operations, Account Service Center, Systems, Digital Banking, Technology, Administration Compliance, Human Resources, Marketing, Merchant Services, Audit, and Finance). This requires working out of various branch locations and will require travel to those branch locations.

Phase II: The timeframe for this phase is approximately 12 – 18 months and will have an emphasis on commercial and consumer lending, leadership, and management. This requires working out of various branch locations and will require travel to those branch locations. Job duties in this phase will include:

• Performing a variety of duties related to the processing, closing, and administration of commercial and consumer loans.
• Assisting loan officers with processing loan applications, financial analysis, and managing the loan portfolio. Tasks will include spreading financial statements, calculating ratios, analyzing financial statements, assisting with underwriting, preparing loan approvals, Assisting with loan closings, and any other commercial or consumer loan functions as assigned by your supervisor or loan officer.
• Interviewing customers seeking commercial or consumer loans. Sitting in on interviews with borrowers and applicants.
• Analysis of loan requests. Verifying income and financial condition, obtaining credit reports, determining debt-to-income ratios, and recommending approvals or declinations in consultation with supervisor or loan officer.
• Learning and exhibiting knowledge of and adherence to, fair lending laws and compliance with regulations and the institution’s policies.

Completion: Successful completion of each phase of this training program will be determined in consultation with the Training Manager and by the Manager of the unit to which the Trainee is assigned. To be considered successful, the expectation is that the Trainee will demonstrate knowledge and proficiency in the designated phase of training in addition to leadership potential and cultural attributes compatible to those of the bank.

At the conclusion of this training, it is anticipated that individuals in this position will, at a minimum, be functional in general bank operations, commercial and consumer lending and will be ready to be assigned in an Operations, Administrative or Branch role such as a Credit Analyst. Enhanced leadership and management skills are also an expected result. Graduates will have the basic tools to pursue career goals in commercial lending.

Qualifications

• Bachelor’s degree in finance or a related subject from a 4-year accredited higher learning institution is preferred. An Associates degree or equivalent required in conjunction with applicable work experience may qualify.
• Geographically mobile within the Citizens Bank branch system. Location transfers during the training program will occur and final position placement is based on available positions.
• Ability to comply with the Bank Secrecy Act and other banking regulations.
• May handle/count currency and other documents and may use fine motor skills.

Desired Attributes

• Dedication to organizations goals, objectives, cultural values, mission, and vision.
• Enjoys working in a team environment and building strong relationships with customers.
• Willingness to cross-train in various areas within the bank and focus on continued professional development.
• Strong leadership, interpersonal, and communication skills.
• Displays a high level of professionalism and dedication to business development.
• Being an involved member within the work environment and community.
• Ability to think analytically, exercise good judgement, and make thoughtful decisions.

Physical Requirements

• Ability to clearly speak, hear, see, and communicate with customers and co-workers.
• Ability to stand or sit for extended periods of time.
• Ability to perform repetitive finger, hand, and arm movements.
• Ability to regularly kneel, reach, bend, push, pull, carry coin bags up to 50 pounds.

Salary
Time frames are approximate and may be accelerated or decelerated depending on candidate’s work performance and supervisor’s evaluation. All Trainees are non-exempt, hourly employees.

Phase I: All Trainees will be paid at a minimum rate of $40,000 annually ($19.23/hour) at acceptance into the program.

Phase II: At the successful completion of Phase I, the Trainee will begin Phase II and their minimum rate will increase to $45,000 annually ($21.63/hour).

Completion: At the successful completion of Phase II, the Trainee will be assigned in Operations, Administrative or a Branch role such as a Credit Analyst. The assignment depends on the needs and vacancies within the bank.

Disclaimer
Citizens Bank is an Equal Opportunity and Affirmative Action employer and is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, pregnancy, national origin, age, sexual orientation, gender identity, military or veteran status, or disability. All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Citizens Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal Schedule I drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.