Personal Banking

 

Business Banking

Loan Services

Loan Services

Business Banking

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: tammy.gams@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.

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.
  • Money handling techniques, such as reconciliation of cash against receipts or tape listings.
    Expert customer service knowledge.

Human Resources Administrator

This position manages all areas involved in developing and maintaining personnel activities, policies and procedures. The HR Administrator is responsible for coordinating and supporting the Bank’s Talent Acquisition, Talent Management, Organization’s HR Compliance, Benefit Administration and HR Infrastructure. This is a full-time position located at the administration office located in Monterey, California.

Key Responsibilities

  • Coordinate the sourcing, recruitment and delivering offers in support of HR Manager.
    Manage the on-boarding of new hires.
  • Coordinate employee communications and meetings in support of HR Manager ensuring consistent messages are being delivered.
  • Coordinate HR Manager’s efforts supporting staff retention through staff communications, staff analyses and aligning talent and appropriate positions.
  • Coordinate HR Manager’s efforts in Organizational Development and Culture creation and Performance Management.
  • Manage and ensure Bank is in Compliance with Regulatory and Statutory requirements.
  • Manage Leaves of Absence through effective communication and state and federal compliance with appropriate leave of absence laws and best practices.
  • Coordinate HR Manager’s efforts in enforcing Employment and Organization Policies.
  • Manage and coordinate ongoing performance of HRIS and payroll system provider and health insurance broker.
  • Coordinate HR Manager’s efforts in developing and implementing comprehensive Compensation and Administration process.
  • Manage and coordinate payroll process.

Qualifications

  • A combination of education, training and/or experience, which would substantially demonstrate the following knowledge and skills.
  • At least three years of experience in human resources preferably in the financial services industry.
  • PHR, SPHR, SHRM-CP, or SHRM-SCP preferred.

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.

Commercial Loan Assistant

The Commercial Loan Assistant (CLA) is responsible for performing a variety of duties to establish, process and maintain loan documentation and electronic files in compliance with a wide range of lending laws, rules and regulations. This position provides day-to-day support to the Relationship Managers in setting up, gathering financial and collateral information, preliminary preparation of credit write-ups and ordering of loan documentation. As the liaison between the lender and the loan services department, the CLA is relied upon to answer questions which may arise concerning loan documentation, collateral and payment structure. The CLA is responsible for packaging the signed and completed original loan documents for boarding by the loan services department. This position will be located in Monterey, CA.

Key Responsibilities

  • Assist Relationship Manager in the gathering of information necessary for the underwriting process including obtaining legal documents, preliminary title reports or any other information /supplemental documentation needed as the underwriting process develops as required by policy or deemed necessary by the lender.
  • Prepare signed loan documents and any necessary additional information required by Loan Services for boarding and submit completed package for review and boarding.
  • Communicate with title companies regarding title insurance and appropriate endorsements on all real estate transactions.
  • Ensure the basic customer information such as identity of the document signers, insurance providers and costs and information related to the perfection of collateral are addressed and provided to the loan documentation staff.
  • Request, communicate and review information relating to insurance policies for all transactions as required by policy.
  • Serve as secondary contact for all customers in support of the Relationship Manager by assisting bank customer with transfers, advance requests, payment processing and answering any general questions they have regarding other Bank products and services.
  • Update computer based programs used to monitor and track receipt of financial information on the appropriate software program for existing credits with general direction from the handling Relationship Manager. Prepare financial letter requests to borrowers as needed to obtain financials statements. Submit financial information to underwriter to prepare spreads.
  • Initiate all new and renewal loan requests for processing as directed by the Relationship Manager.

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

  • Two to three years banking experience performing equivalent tasks.
  •  Must be able to prioritize tasks to meet deadlines and provide excellent customer service.
  • General understanding of personal financial statements, tax returns and business financial statements.
  • Commercial and Consumer lending preferred but not required.

Physical demands described above 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.
 

 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.~