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Career Opportunities

1st Capital Bank offers a welcoming, friendly work environment and a caring attitude toward its employees. The Bank places great value on its employees, realizing its success as a community bank is largely due to an extraordinary staff. Competitive compensation and a strong benefits program are offered with special focus on helping employees achieve a healthy work/life balance.  We are also proud to be active in our community and proud of the emphasis management places on community involvement.


To apply for a career with 1st Capital Bank please send us your resume.

Fax: (831) 264-4001

Reminder: Standard email is not encrypted and should not be considered a secure alternative when sending sensitive personal information.
or Mail:
1st Capital Bank
Human Resources Department
5 Harris Court, Building N, Suite 3
Monterey, California 93940

Current Positions




This position plays an integral role on the Commercial Banking Underwriting team. The individual will work directly with Relationship Managers, Credit Officers and other team members to analyze new commercial credit opportunities,
underwrite new or renewed credit exposure and manage a portfolio of loans and other credit relationships.  The underwriter will attend client and prospect meetings with Relationship Manager, gather information and perform research in order to identify, quantify and
mitigate underwriting risk inherent in a commercial lending function.  As a senior underwriter, the employee will be expected to develop a strong working relationship with client’s management team, internal team members, credit officers, attorneys, appraisers, auditors
and other bankers.  In some situations, the employee may be assigned a portfolio of credits for which they will have primary portfolio management, monitoring and oversight responsibilities.


  • Provides in-depth analysis of financial statements, projects, collateral analysis, appraisals and business plans. Conducts complex credit investigations and analyzes diverse credit information for loans.
  • Prepares in-depth loan approval authorization for new loans, amendments and renewals and is able to effectively communicate to senior management. Has a thorough understanding of the credit and its strength and weaknesses as articulated in
    the credit authorization. Attends loan committee meetings and participates in the discussion for loan approval along with the handling Relationship Manager.
  • Analyzes individual company performance and the impact of industry and competitive dynamics and macroeconomic events on the creditworthiness of clients and prospects.
  • Analyze the quality of a business’s management team to determine ability to achieve the company’s objectives and respond to external pressures appropriately.
  • Determines the appropriate risk rating for the credit facility.
  • Recommends and models appropriate loan structures and completes pricing models
  • Prepares in-depth loan approval authorization for new loans, amendments and renewals and is able to effectively communicate to senior management. Has a thorough understanding of the credit and its strength and weaknesses as articulated in
    the credit authorization. Attends loan committee meetings and participates in the discussion for loan approval along with the handling Relationship Manager.
  • Completes ongoing periodic credit monitoring of loans within the portfolio including obtaining and analyzing financials statements and financial covenant performance.
  • Ensures compliance with internal bank credit policy and external regulatory requirements.
  • Serve as the primary contact within assigned portfolio for small transactional loans.


  • Bachelor’s degree in Finance, Business or other related field preferred.  Professional experience in banking or related industry may be used in combination with or in lieu of education requirement.
  • Minimum five years commercial credit analysis experience with the demonstrated ability to handle more complex transactions.
  • Strong analytical, problem solving and technical writing skills.
  • Intermediate computer skills using word processing and spreadsheet programs.
  • Strong written and verbal communication skills with advanced level of computer skills necessary to develop necessary analytics used in underwriting.




1st Capital Bank serves the needs of small businesses and professional clients, as well as potential clients, in its market place. The Relationship Manager I manages a portfolio of these clients and is a key role in building relationships by providing financial advice to business
clients with a focus on client experience and risk management.  1st Capital Bank is seeking a Relationship Manager to develop new business and deepen existing relationships.

Essential Duties:

  • Build collaborative internal and external relationships to provide the best in client advice and service; develop the business to ensure a seamless experience for the client who has multiple products and services
  • Serve as a trusted advisor to the client in delivering comprehensive and customized business lending products and other financial solutions tailored to the financial needs and circumstances of business clients
  • Manage and grow a portfolio of lending clients
  • Use knowledge of business, finance, banking, credit and risk management to identify, recommend and promote lending products and solutions that best serve the client while still working within risk parameters that protect the bank.  Seek out training and
    expertise of others to enhance existing knowledge to ensure full perspective
  • Build overall relationships by calling on existing clients to truly understand their businesses and analyze product and service growth opportunities that ensures profitability of portfolio
  • Identify and pursue potential new clients, looking for ways to cultivate a long-term relationship
  • Protect the bank by following sound risk management protocols and adhering to regulatory requirements
  • Develop and manage a disciplined marketing process by identifying steps/strategies necessary to effectively maintain and build relationships with clients and prospects.  Regularly review processes and strategies with supervisor, making adjustments as needed


  • Bachelors Degree in Finance or related field; 1 – 3 years in business banking relationship management role or related business lending experience or; a combination of both education and experience necessary to meet the requirements of the position
  • Intermediate knowledge of business credit underwriting with commercial credit training preferred
  • Intermediate knowledge of business credit, deposit and cash management products and services
  • Candidates with a current business network preferred. Must possess the ability to develop, retain and expand relationships within the market area and within the community.  Candidate should possess proven leadership within their community by actively participating in business and non-profit organizations.



The Controller supervises the Accounting Department staff and is responsible for the day to day management of the Bank’s accounting processes.  These processes include accounts payable, fixed assets, accruals, prepaid assets, general ledger, and general ledger analyses / certifications.  The Controller also prepares a wide variety of financial reports for both internal and external use.  The Controller plays a key role in the Bank’s internal control environment.  This position reports to the Chief Financial Officer and supports the Chief Financial Officer in performing the Bank’s accounting, treasury, tax, capital markets, liquidity management, interest rate risk management, and financial reporting functions.  The Controller interfaces regularly with employees throughout the Bank and many of the Bank’s vendors, particularly those associated with internal audit, attestation audit, investor relations, financial systems, and tax compliance services.  The Bank is currently not a reporting entity under the Exchange Act, but follows many of the practices of an SEC registrant.

Key Responsibilities

  • Manages and mentors the Bank’s Accounting Department.
  • Assists in the preparation of all financial reports, including balance sheets, income statements, equity statements, cash flow statements, footnotes required under accounting principles generally accepted in the United States (“GAAP”), regulatory reports, earnings releases,
    Annual Reports, Proxy Statements, and tax compliance reporting.
  • Serves as a contact for the Bank’s independent accountants and tax compliance professionals.
  • Manages the Bank’s processes for accounts payable, accruals, prepaid assets, and fixed assets.
  • Performs accounting for a variety of matters, including equity compensation, deferred compensation, off-balance sheet liabilities, borrowings, and investments.
  • Generates ongoing reporting and analysis for the Board of Directors, including actual versus plan variance analysis.
  • Plays a primary role in the efficacy of the Bank’s internal control environment, including directing the Bank’s monthly reconciliation and certification program and participating in the Bank’s internal audit program.
  • Works with the Chief Financial Officer to optimize the Bank’s tax planning consistent with compliance with applicable laws and regulations.
  • Assists the Chief Financial Officer with the implementation of new accounting and reporting requirements.
  • Generates a variety of regulatory reports, including the quarterly Call Report and the annual Summary of Deposits.
  • Serves on the Bank’s management Asset /Liability Committee.
  • Represents the Bank at community events such as Rotary, Chamber of Commerce, and similar professional organizations.
  • Performs various other responsibilities as assigned in support of the Bank’s attaining its tactical and strategic objectives.

Position Qualifications

At least five years of prior banking experience in applicable areas such as accounting, financial reporting, budgeting / planning, treasury, and income tax preparation.  A sound and thorough understanding of GAAP, income tax laws, and regulatory reporting is required.  Prior experience as a financial institution Controller or Assistant Controller is a significant plus.  The ideal candidate presents strong leadership and mentoring skills, with proven results in defining and achieving key initiatives.  Undergraduate degree required, with CPA license, post-graduate coursework, CFA or similar certification, MBA, and / or professional banking school certification a plus.  The ideal candidate is an individual at ease with advanced technology, who enjoys a position with a broad range of functions, and who possesses superior written and verbal communication skills.


1st Capital Bank offers a wide range of automatic and elective benefits that support the personal needs and financial goals of our employees. There are a number of flexible programs to assist employees to balance professional responsibilities with the demands of their personal lives in addition to our traditional benefits.

If you believe you have the knowledge and experience to fill this position, please email your resume to or mail to 1st Capital Bank, Attn: Human Resources, 5 Harris Ct. Bldg N Ste 3, Monterey,Ca  93940.

~1st Capital Bank is an Equal Opportunity Employer~



Benefits and Programs


All 1st Capital Bank employees scheduled to work 30 hours or more per week are eligible for health insurance benefits. The Bank provides coverage for domestic partners, spouses, and dependent children at a reduced cost to the employee for premiums.

Health and Welfare Benefits

The Bank offers comprehensive medical, dental, and vision coverage for employees and their eligible dependents.


Vacation is offered based on hours worked, length of employment, and position held.


The Bank offers 10 paid holidays based on the Federal Reserve Bank’s schedule.

Health and Appointment Time

This time is provided to deal with health issues for the employee, a dependent, or a close family member. It also may be used for visiting a child’s school.

401(k) Savings Plan

Eligible employees may make pre-tax contributions to a 401(k) savings plan. The Bank will match a portion of employee contributions.

Life Insurance

The Bank provides Basic Life and Accidental Death and Dismemberment insurance coverage for its employees and their dependents. The Bank also offers an affordable voluntary life insurance plan for employees who desire more coverage.

Employee Assistance Program (EAP)

Employees, as well as anyone living with them, are offered confidential professional counseling services to deal with issues such as:

  • Financial matters
  • Legal issues
  • Family concerns
  • Tax questions
  • When faced with the challenge of finding assistance for child and elder care, the Employee Assistance Program offers information about what is available in the community.

Skill Building Seminars

Various seminars are offered to help employees build better skills, such as improving computer proficiency, developing product knowledge, or learning to be a better communicator.

Free Checking/Savings/On-Line Banking

Employees are immediately eligible to receive checking and savings accounts including On-line Banking from 1st Capital Bank free of monthly service charges.

Premium Only Plan (Section 125)

The employee portion of premiums for all qualified plans can be deducted from pay on a pre-tax basis.


1st Capital Bank is an Equal Opportunity Employer