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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

Client Services Representative

 

Summary:
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 position will be located in our Salinas Branch.


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.
  • Negotiate checks: verify endorsement, receive proper identification and ensure validity.
  • 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.
  • 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.
  • Performs branch operations clerical duties.


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.

  • At least one year of experience with retail and cash handling, preferably in the financial services industry.
  • Reviewing, reconciling, posting and adjusting financial transaction entries. 
  • Money handling techniques, such as reconciliation of cash against receipts or tape listings.
  • Basic customer service knowledge.

Skills:

  • Maintain confidentiality of files and privileged information.
  • Receive, disburse and account for cash and other negotiable items.
  • Deal professionally and tactfully with customers in the resolution of errors and/or disputes.
  • Physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job.

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.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

Commercial Loan Assistant

Summary
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 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.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Credit Analyst

Summary
Performs credit and financial analysis as it pertains to a wide range of commercial loans. CA needs to determine if enough financial information is provided to accurately analyze cash flow and prepare a credit authorization for approval. This position is a key support position for other loan underwriters and relationship managers. Position requires limited customer contact under the direction of the Relationship Manager. Once information is received the CA analyzes the credit data and discusses findings with the handling Relationship Manager to determine the structure, pricing and risk rating in conjunction with preparing credit authorization. This position will be located in Monterey, CA.

Key Responsibilities:

  • Reviews financial and credit information provided to accurately analyze cash flow and communicates the same to Relationship Manager. Determines what information is lacking to complete underwriting based on bank policy and seeks Relationship Managers and loan assistant’s cooperation in completion of missing information.
  • Prepares analysis of loan requests on new, renewing and existing loans including credit reports, tax returns, financial statements, rent rolls, debt schedules, collateral appraisals, environmental reports and other financial information as warranted.
  • Performs credit inquires by ordering Experian credit reports for both business and personal and reviews the same. Uses the internet and other resources to gather information on business entities, real estate and other collateral and financial information. Evaluates the results of these investigations and discusses with the handling Relationship Managers.
  • Analyzes financial ratios and company operating performance to monitor covenant compliance on existing borrowers.
  • As directed by Relationship Managers, completes credit authorization to be submitted for final credit approval. Recommendation to be reviewed by a credit executive for structure, risk rating and other underwriting requirements. Maintains constant contact with the Relationship Managers throughout the process.
  • Responsible for the department’s scanning into the appropriate software program of any trailing financial information or other documentation received and the proper filing into the credit file.
  • 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:
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.

  • Prior banking experience preferred but not required.
  • Strong verbal, written and organizational skills.
  • Basic credit training of understanding business and personal financial statements and tax returns.

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.


Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

Commercial Underwriter

Summary:
Under general direction from the senior credit administrator, perform credit and financial analysis as it pertains to a wide range of commercial loans and risk assess credit applications for commercial loans to ensure compliance with the Bank’s credit risk management strategy and the Bank’s credit policy. Analyze financial ratios and company operating performance to monitor covenant compliance. This position will be located in Monterey, CA.

Essential Duties & Responsibilities:

  • Reviews financial and credit information provided to accurately analyze cash flow and communicates the same to Relationship Manager. Determines what information is lacking to complete underwriting based on bank policy and seeks Relationship Managers and loan assistant’s cooperation in completion of missing information.
  • Prepares analysis of loan requests on new, renewing and existing loans including credit reports, tax returns, financial statements, rent rolls, debt schedules, collateral appraisals, environmental reports and other financial information as warranted.
  • Performs credit inquires by ordering Experian credit reports for both business and personal and reviews the same. Uses the internet and other resources to gather information on business entities, real estate and other collateral and financial information. Evaluates the results of these investigations and discusses with the handling Relationship Managers.
  • Analyzes financial ratios and company operating performance to monitor covenant compliance on existing borrowers.
  • Completes credit authorization to be submitted for final credit approval. Recommendation to be reviewed by a credit executive for structure, risk rating and other underwriting requirements. Maintains constant contact with the Relationship Managers throughout the process.
  • Prepares financial spreadsheets, proformas and projections in accordance with Bank Policy and procedures.

Qualifications:

  • 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.
  • Prior banking experience preferred but not required.
  • Basic credit training of understanding business and personal financial statements and tax returns.
  • Ability to prioritize tasks to achieve deadlines and provide excellent customer service.
  • Ability to maintain confidentiality of borrower’s financial information.

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.


Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Loan Services Assistant

Summary:
The Loan Services Assistant interfaces with customers, loan officers and other departments to perform a variety of complex duties related to the posting of loan activity. Working with members of the loan services department the Loan Services Assistant will provide operational and administrative support within the bank’s loan department function.  This position will be located in San Luis Obispo, CA.

Essential Duties & Responsibilities:

  • Completes boarding of new loans including the initial funding with review of pertinent loan documentation by confirming accuracy against the approved loan documentation.
  • Responsible for verifying completeness of files with all necessary documents and signatures required.
  • Communicate incomplete and/or incorrect loan data to lending personnel.
  • Input data into core banking system.
  • Meet the deadlines established for boarding and notify supervisor of any changes to processing timeframes.
  • Maintains electronic files, documents, and notes.
  • Performs review of loan and collateral documents and loan packages to insure bank's security interest and adherence to established policies and procedures.
  • Processes loan transactions, reconciling and disbursing funds.
  • Work collaboratively with lending staff and answer questions relating to loan servicing in a timely and courteous manner.
  • Assist the Loan Services Supervisor in the implementation of policy and procedures or other tasks as needed.

Qualifications:

The knowledge and abilities for this position would typically be gained with three years’ experience in banking, with experience in loan operations desired. A combination of education, training and/or experience, which would substantially demonstrate the following knowledge and abilities would be qualifying:

Graduation from high school or equivalent.

Knowledge of:

Compliance issues and federal and state banking regulations.

Documentation requirements as applied to the extension of credit.


Principles and practices of accounting.

Loan products and lending operations procedures.

Legal entity documents.

Skills:

Maintain confidentiality of files and privileged information.

Identify errors and/or discrepancies in documentation.

Deal tactfully with internal and external customers in the resolution of errors.

Input, access and retrieve information using a computer.

File both alphabetically and numerically.

Proficient skills in computer terminal and personal computer operation; word processing, e-mail, spreadsheet and specialty software programs.

Work with minimal supervision while performing duties.

Plan, organize and meet scheduled time lines, prioritize and schedule 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.


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.~