Personal Banking

 

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Loan Services

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About Us

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

 

Personal Banker

The Personal Banker is a branch service position whose primary goal is to help clients by discovering financial needs, helping with problem resolutions, and processing transactions when needed. You will take a lead role in creating an outstanding customer experience by opening new accounts, resolving customer service issues, offering convenience services, and helping the Branch meet objectives thereby contributing to the success of 1st Capital Bank. As a Personal Banker, you will assist our customers by handling teller transactions accurately and efficiently during peak service times. You will be responsible to create productive conversations with the customer to identify and properly assess their needs and determine products and services that are solutions and build loyal lasting relationships. You will partner with the branch team and specialists (such as Loan Officers, Business Bankers, and Financial Advisors), to ensure our customers get access to experts who can help them with specialized financial needs. This position will be located in Monterey, CA.

Key Responsibilities

  • Detailed knowledge of various types of consumer and commercial accounts and the ability to open, maintain and close all account types including the necessary disclosures, and acceptable legal documentation.
  • Accepts and processes a wide variety of transactions including checking, savings, loan payments, cashier’s checks, cashes checks and pays withdrawals within authorized limits; places holds on customer accounts as required, including completing an accurate hold notice.
  • Assist customers in person and over the telephone by responding to inquiries regarding their accounts and transactions, adhering to Bank customer identification procedures and privacy policies.
  • Maintains individual levels of currency, coin and other negotiable items; transfers excess currency and coin.
  • Examines, reconciles and adjusts a variety of financial and bookkeeping records; identifies and resolves errors; prepares a variety of entries to customer and bank accounts.
  • Advanced understanding of bank branch products in order to answer customer inquiries regarding accounts or other bank services, policies and procedures.
  • Recognize unusual account activity as appropriate and report to supervisor.
  • Assist other staff in balancing and completing daily assignments.
  • Serves as mentor and trainer to Client Service Representatives.
  • 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.

Skills:

  • Experience as a teller, new accounts representative or central operations specialist required.
  • High level of accuracy reconciling posting and adjusting financial transaction entries.
  • Maintain confidentiality of files and privileged information.
  • Present a professional and supportive demeanor and appearance.
  • Display excellent customer service skills to deal professionally and tactfully with customers.

Qualifications:

A combination of education, training and/or experience, which would substantially demonstrate the following knowledge and abilities.

  • Banking and the financial services industry, with at least three years of banking experience preferably with experience in opening new accounts.
  • Money handling techniques, such as reconciliation of cash against receipts or tape listings.
  • Expert customer service knowledge.and process commercial and consumer deposits; cash checks and pay withdrawals within authorized limits, obtaining official approval for over limit and exception.


Customer Service Representative (part-time)

 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 part-time position located in at our branch in Salinas, California. The position will work 22 to 25 hours on average per week.

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.

Credit Administrator-Underwriting


The Credit Administrator-Underwriting is a key member of the Bank’s Credit Administration Department. This position reports to the Chief Lending Officer. The Credit Administrator-Underwriting plays a strategic role in maintaining the Bank’s credit quality while at the same time responsible for serving managing the day to day function of the underwriting needs of the Bank’s lending function. This position will be located in Monterey, CA.

Essential Duties & Responsibilities:

  • Manages and maintain a team of credit underwriters to effectively support the objectives of the business while maintaining the highest quality of risk management.
  • Establishing and overseeing the resources and workflow process to manage new and renewed deal flow and other portfolio management related activities so that all deadlines are met.
  • Performing necessary credit analysis, due diligence, and review of documents for new transactions and monitoring/managing ongoing performance/risk of accounts within his/her assigned portfolio of clients.
  • Utilizing excellent credit skills to author well thought out and concise analysis of relationships using appropriate structure and identifying key risks.
  • Ability to quickly and accurately evaluate smaller relationships to determine if the risk profile is acceptable and recommend simple structures that adequately protect the bank while not over engineering the transaction.
  • Partnering with other functions to put in place and consistently improve processes to drive efficiency and consistency, while maintaining credit quality of portfolio.
    Manages work flow and assignment of credit authorization and underwriting process for the bank.
  • Reviews incoming loan applications for regulatory compliance and conformity with the Bank’s Credit Policy, pricing, and underwriting guidelines.
  • Develops and implements Credit Administration procedures and drafts recommendations to the CCO certain Credit policies.
  • Participates in as a team member a wide variety of projects designed to enhance the Bank’s Credit Administration function, such as enhancing the technology utilized to process and evaluate loan applications.
  • Interfaces with regulators, examiners, audits, and credit review professionals.
  • It is the employee’s responsibility to perform duties in accordance with federal and 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 the following education and/or experience:

  • Seven years of prior banking experience in applicable areas such as commercial lending, loan servicing, and credit administration.
  • Prior experience as a Credit Administrator is a significant plus.
  • Undergraduate degree required, with post-graduate coursework or professional banking school certification a plus. Applicable courses include accounting and tax reporting as applied to credit underwriting. The Bank requires absolute confidentiality in conjunction with the protection of client and Bank non-public information.

 

 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.~