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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.

Email: paula.draeger@1stcapitalbank.com
Fax: (831) 264-4001 please include a cover letter or fax sheet

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

 

Senior Relationship Manager

The Senior Relationship Manager (SRM) manages a portfolio of 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. This position will be based in our Monterey branch.

Essential Duties & Responsibilities

  • Conducts loan applicant interviews; analyzes financial statements and credit applications; investigates backgrounds; reviews all pertinent information and makes credit decisions within authorized lending limits.
  • Determines, collects and follows up on all appropriate documentation required for specific credit requests.
  • Negotiates and establishes terms under which credit will be extended, including costs, repayment method and schedule and collateral requirements.
  • Monitors assigned credits to ensure covenants, conditions and requirements applying to such credits are in full compliance.
  • Develops new and augments existing business relationships through the utilization of all bank services, participation in civic affairs, organizations and an active business development call program.
  • It is the employee’s responsibility to perform duties in accordance with federal & state banking laws and regulations, as well as 1st Capital Bank’s internal policies and procedures including BSA/AML, and to comply fully with those laws, regulations, policies and procedures. Additionally, managers and supervisors are responsible for creating an environment in which they hold their employees accountable for the above.

Qualifications

The knowledge and abilities for this position would typically be gained through at least 4 years of experience performing the tasks of a Loan Officer at a financial institution. A combination of education, training and/or experience, which would substantially demonstrate the following knowledge and abilities would be qualifying:

  • In depth knowledge of the principles and practices of consumer and commercial lending.
  • Maintain confidentiality of files and privileged information.
  • Read, understand and apply complex laws and regulations governing commercial and consumer lending.
  • Analyze financial and credit information and make appropriate credit decisions.
  • Follows and able to communicate using complex verbal and written instructions.
  • Establish and maintain effective relationships with those contacted in the course of work.

Physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

Customer Service Representative 

 Under general supervision, this position provides superior customer service while performing routine branch and customer services duties. The Customer Services Representative assists customers with various accounts and financial services and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for specified services. This is a full-time position located at our branch in Salinas, California.

Key Responsibilities

  • Knowledge of consumer and commercial accounts including checking, savings, money market accounts, and CDs. Maintain complete knowledge of account types, products and services and necessary disclosures, and acceptable legal documentation.
  • Accept and process commercial and consumer deposits; cash checks and pay withdrawals within authorized limits, obtaining official approval for over limit and exceptions.
  • Accurately examine checks deposited and determine proper funds availability based on regulation requirements and bank policy. Complete hold notices.
    Balance daily cash receipts and payments; prepare summary of transactions.
  • Maintains individual levels of currency, coin and other negotiable items; transfers extra currency and coin.
  • Assist customers with inquiries regarding interest rates, service charges, account histories, unauthorized transaction and bank error while complying with disclosure requirements, regulations and consumer privacy policies.
  • Have a basic understanding of bank branch polices in order to answer customer inquiries regarding accounts or other bank services, policies and procedures.
  • Refer customers to the proper department for issues that cannot be resolved at the teller line.
  • Process and maintain a variety of records, such as safe deposit box, stop payments, currency transaction reports, branch logs, and branch certifications.
  • Recognize unusual account activity as appropriate and report to supervisor.
  • It is the employee’s responsibility to perform duties in accordance with federal & state banking laws and regulations, as well as 1st Capital Bank’s internal policies and procedures including BSA/AML, and to comply fully with those laws, regulations, policies and procedures. Additionally, managers and supervisors are responsible for creating an environment in which they hold their employees accountable for the above.

Qualifications
A combination of education, training and/or experience, which would substantially demonstrate the following knowledge and skills. Level assignment is based on a variety of factors including, but not limited to: scope and complexity of transactions, experience and expertise of client services representative.

  • At least one year of experience with retail and cash handling, in the financial services industry.
  • Reviewing, reconciling, posting and adjusting financial transaction entries.

Skills

  • Maintain confidentiality of files and privileged information.
  • Receive, disburse and account for cash and other negotiable items.
  • Operate calculator, computer and other office equipment.
  • Banking regulations, policies, procedures.
    Money handling techniques, such as reconciliation of cash against receipts or tape listings.
  • Basic customer service knowledge.
  • Adjust quickly to changes in schedules, priorities and various team dynamics.
  • Perform assignments with a minimum of continuous supervision. Ensure completed work is accurate and thorough.
  • Establish and maintain effective relationships with those contacted in the course of work.


 

 Benefits and Programs

 

Eligibility

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, vision, and life insurance coverage for employees and their eligible dependents.

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

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

401(k) Savings Plan
Eligible employees may make pre-tax contributions to a 401(k) savings plan. The Bank offers an employer contribution to 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)
This program gives you and your family free and confidential access to work/life resources, including counseling sessions for qualifying events (up to three), legal/financial consultations, toll-free 24/7 telephone consultations; and unlimited access to website resources.

Travel Assistance
The Standard includes 24-hour travel assistance provided by Frontier Medex Assist. This services provides information related to global emergency services and also provides information on pre-travel information like immunization and passport requirements.

Premium Only Plan (Section 125)
There are three levels of participation in the plan including pretax health care premiums, health care reimbursement account, and a dependent care account.

 

 

~1st Capital Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristics protected by law. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.~