Careers

Want to Join Our Team?

At Community State Bank, our success is defined by the respect and trust placed in us by our communities, our customers and our employees.

CSB has been independently owned and operated for generations. In fact, the single largest shareholder of the bank are the employees, who become owners through the bank’s long-standing Employee Stock Ownership Program (ESOP).

CSB Benefits

We believe taking care of our staff is just as important as taking care of our customers.

• Employee Stock Ownership Plan (ESOP)
• 401(k) plan
• Medical, dental and vision coverage
• Generous vacation and personal leave time
• Health/dental insurance plan
• Group term life insurance
• Employee Assistance Program (EAP)
• Employee discount on banking products and services
• Health and wellness program (yoga, self-defense classes, etc.)
• Networking opportunities (employee-exclusive events, teambuilding, etc.)
• Community service opportunities
• Opportunities to grow

Available Opportunities

Loan Coordinator

The Loan Coordinator is responsible for all aspects of loan processing for commercial, agricultural, SBA and at times consumer loans.  When necessary, will also assist other lending personnel in various duties to ensure the successful operation of the department.

Essential Duties and Responsibilities

Transactional/Customer Assistance

• Reviews credit write-up/application within loan processing program and performs a pre-scrub to determine what is needed to accurately document the loan and secure our collateral (if applicable).
• Completes internal Processing Checklists to ensure compliance with regulations, internal policies and procedures.
• Prepares required loan documentation following the acceptance of the loan request. This would include but not be limited to reviewing all supporting documentation, contacting loan officers, branch support personnel, or CSR’s regarding deficiencies, preparing and distributing required documents (includes SBA and FSA guaranteed loans as well). Reviews loan files for completeness and accuracy. Delivers loan documentation to loan officer and/or branch support personnel and CSR’s.
• Prepares required documentation for extensions and renewals after proper due diligence has been done.  Including but not limited to, following the Processing Checklist, confirming our collateral is in place and confirmation of entity / signers. Also may include contacting loan officers or branch support personnel regarding any deficiencies, preparing and distributing required documentation.
• Once documents are prepared, a quality control review must be completed for accuracy, checking over each other’s work when necessary.
• Work with the lending officer to complete the disbursement of loan proceeds.
• Prepares the electronic customer file and also provide any instructions to the booking team that will assist in loan set-up.
• Assists loan officers and branch support personnel with questions regarding loan documentation, and loan documentation status.
• Order Title Commitments, UCC, CRIS and DMV Searches when applicable
• Cross-sells bank products and services in a professional manner.
• Completes required training associated with job function.
• Performs other related duties as assigned.

Requirements

• Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
• Education: High school diploma 
• Experience: 1-3 years loan processing, banking or clerical experience. 
• Human Relations: High level of interpersonal skills to interact with loan officers, appraisers and title companies in a professional manner. 
• Responsibility and Decision-Making: Must be able to prioritize deadlines. 
• Supervision of Others: N/A
• Work Environment: Normal conditions associated with general office environment. 
• Physicial 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. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include: close vision, distance vision and ability to adjust focus. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear.
• Skills: Good computer skills | Good knowledge of word processing and Excel spreadsheet functions | Good verbal and written communication skills | Thorough understanding of loans, loan systems and documents | Must be able to work with a significan amount of detailed information in an accurate, timely and confidential manner | Adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functins to ensure performance of individaul job duties within the proper control environment. 
   

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Agricultural/Commercial Credit Analyst

The Credit Analyst is responsible for providing credit analysis for agricultural/commercial loans, working within the Credit Analyst team and for organizing the loan review process.

Essential Duties and Responsibilities: The following duties are normal for this position.  These are not to be construed as exclusive or all-inclusive.  Other duties may be required and assigned..

Essential Duties and Responsibilities

• Organize the workflow of loan requests
• Assure communication with associates and customers
• Assure resources necessary for department operations
• Maintain appropriate security over information and data security
• Maintain appropriate security over loan files
• Complete new loan request workups
• Determine credit risk profile of customers
• Present portions of loan requests to Officers and Board Loan Committees
• Work with Lenders to provide a great customer experience
• Promote CSB as a relationship bank with community focus by being involved in Community projects/activities
• Stay current on all laws and regulations
• Believes in and supports our Mission, Vision and Values

Requirements

• Qualification Requirements: 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 ability required:

• Education: Bachelor’s Degree in Accounting or Finance, or equivalent work experience.
• Experience: 1-2 prior years of experience preferred but not required; knowledge and experience in the FSA Guarantee program is preferred
• Skills: Strong math skills, strong communication skills, proficient in Microsoft Excel and Word, ability to learn credit software such as Web Equity Manager. Detail oriented, dependable and able to multi-task, able to communicate well at all levels and effectively engage senior lenders.
• Human Relations: Requires the ability to communicate effectively both orally and in writing with various levels of staff and outside contacts.
• Responsiblities and Decision Making: Regular judgments are made with the guidance of general policies and procedures.
• Physcial Demands: The physical demands described here are representative of those that must be met by the Associate to successfully perform the essential functions of this job.  Must be able to visit multiple offices.  Must be able to lift 25 lbs.
• Work Environment: The overall working conditions are relatively safe and comfortable, typical of an office environment.

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Our Human Resources Department