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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

 

 

Client Services 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 part-time position located in 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, preferably 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.
• Deal professionally and tactfully with customers in the resolution of errors and/or disputes.
• Provide factual and accurate information on services, policies and procedures of 1st Capital Bank.
• Use equipment and materials in a safe and acceptable manner, follow established safety procedures, use appropriate safeguards, and observe common sense rules of safety in all on-the-job activities.
• Communicate effectively both in writing and verbally, to present information and correspond with management, staff, and customers.
• Present a professional and supportive demeanor and appearance.
• Comprehend and execute complex written and verbal instructions.
• 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.
• Set priorities and manage tasks through good organizational skills.
• Deal tactfully with customers in the resolution of errors and/or disputes.

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

Vendor Management and Facilities Officer

The Vendor Management and Facilities Officer is responsible for overall vendor management program and purchasing program at 1st Capital Bank. A key function of the Vendor Management and Facilities Officer will be the implementation and ongoing administration of the Bank’s vendor management program. The position entails ensuring best practices in vendor selection, contracting, and performance monitoring are in place.
This position is responsible for overseeing the purchasing function within the Bank including the process for purchasing goods and services, assigning roles, responsibilities, and levels of authority to participants in the purchasing system. In addition, this position will manage all facilities and be the on-site manager for the administration building.
This position will be based in Monterey, California and reports to the IT Manager.


Essential Duties & Responsibilities
• Responsible for implementation and management of the vendor management program including risk assessment, selection process, contract structure and review, and oversight of vendor.
• Facilitates annual risk assessment to determine level of risk based on the Bank’s size and geographic location using regulatory standards.
• Develops system and maintains records of vendor contracts, onboarding vendors, recertification, initiates notice of non-renewal and issues requests for proposals as warranted.
• Comprehensive due diligence of vendors involving a review of available information about a potential vendor, focusing on financial condition, specific experience, knowledge of applicable laws and regulations, reputation, and scope and effectiveness of its operational controls.
• Prepares status reports to keep senior management and internal partners informed of key milestones, alternatives, and potential risks with vendor relationships.
• Monitors vendor performance and resolves service quality and pricing issues. For vendors that process Bank transactions, evaluates its internal controls using SOC 1 or similar reports as warranted at least annually and ensures the Bank personnel are adequately performing internal control activities related to the contract as assigned to them.
• Responsible for developing and maintaining purchasing program across all facilities. Determines the approach to purchasing goods and services and assigns roles, responsibilities and levels of authority to participants in the purchasing system. Directs purchasing activities of participants.
• Develops and oversees equipment maintenance programs. Responsible for maintenance programs for all Bank equipment, including office equipment, copiers and bank cell equipment administration.
• Manages the physical security program and tracks any required training. Works with Bank Security Officer to develop and implement a physical security program that mitigates risk and meets regulatory standards.
• Responsible for the overall management of all Bank facilities. Manages the administration site to ensure effective telephone and mail communications both internally and externally to maintain a professional image.
• 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 a bachelor’s degree in business administration, finance, accounting or equivalent training and/or adaptable experience. Minimum of 3 years related business experience required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Project management experience strongly preferred.
• Must be analytical and possess ability to interpret and apply policies and regulations across a complex business.
• Understanding of contractual language.
• Analyze financial summaries and reports.
• Principles and methods of organization, management and effective supervision.
• Read, analyze, and interpret Federal, State and bank regulations and procedures.
• Highly skilled in communicating effectively both verbally and in writing, including accurate grammar and business correspondence knowledge.
• Respond to basic and complex inquiries from management and staff.
• Effectively present information to management, staff, and customers.
• Define problems, collect data, establish facts, and draw valid conclusions.
• Deal tactfully and effectively with all levels of personnel, as well as outside customers and vendors.
• Establish and maintain effective relationships with those contacted in the course of work.
• Must be organized, creative, independent and self­-motivated, enthusiastic, dependable, detail­-oriented, flexible in scheduling and prioritization, and possess a positive outlook that is driven by excellence.

Cash Management Specialist

Summary
Provides both internal and external customer support for Bank's electronic banking products. These products include, but are not limited to, Online Banking, Bill Pay, Mobile Banking, Remote Deposit Capture, Automated Clearing House (ACH) Origination, Online Wire Transfer, and Positive Pay. Performs administrative tasks for the department such as daily report view, logging exceptions, and end of day file submission. Ensures compliance with all Federal, State and bank regulations and procedures.

Key Responsibilities

• Acts as phone support to online banking and cash management clients. Interfaces with vendors to resolve customer problems.
• Provides electronic banking support to customers via the internet using the Bank’s remote support tool.
• Provides back-up phone support to branch calls.
• Provides internal customer support to branch employees assisting customers with online banking and cash management related issues.
• Reviews daily electronic banking reports.
• Processes new online banking and cash management customer applications.
• Processes requests received through the online banking administration program and department email (i.e. wire requests, stop payment requests, etc.).
• Maintains daily exception logs for returns and exceeded limits for both ACH and RDC.
• Sends the end of day file submissions to the Federal Reserve and the Bank’s core processor.
Qualifications
A combination of education, training and/or experience, which would substantially demonstrate the following knowledge and abilities, would be qualifying:

• The knowledge and abilities for this position would typically be gained through a degree in computer science, business administration, or equivalent training and/or adaptability and experience.

Comprehensive knowledge of:
• Internal control philosophies and regulatory compliance issues relating to cash management.

• Computer hardware, Windows operating system, and Microsoft Office programs.

Thorough knowledge of:

• ACH file specification

• NACHA Rules and Regulations

• Federal and State regulations and legal aspects of all electronic banking and cash management functions.

Ability to:

• Read, analyze, and interpret Federal, State and bank regulations and procedures.

• Respond to basic inquiries from management and staff.

• Must possess a high level of customer service skills and the ability to effectively handle customers with complex transactional needs.

• Effectively present information to management, staff, and customers.

• Apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

• Define problems, collects data, establish facts, and draw valid conclusions.

• Deal tactfully and effectively with all levels of personnel, as well as outside customers and vendors.

• Establish and maintain effective relationships with those contacted in the course of work.

• Must be organized, creative, independent and self-motivated, enthusiastic, dependable, detail-oriented, flexible in scheduling and prioritization, and possess a positive outlook that is driven by excellence.

• Must possess exceptional written and verbal communication skills, including accurate grammar and business correspondence knowledge.

• Use equipment and materials in a safe and acceptable manner, follow established safety procedures, use appropriate safeguards, and observe common sense rules of safety in all on-the-job activities.

 

Help Desk Technician

Summary
The Help Desk Technician is responsible for maintaining and monitor end-user workstations and productivity on local area network (LAN) & wide area network(WAN). Perform a variety of maintenance, software installation, end-user support and training tasks to ensure end-user workstations and network performance meet bank and user requirements. Provide support to staff on all bank-supported applications. Troubleshoot computer problems, determine source and advise on appropriate action. Complete application project-based work. Perform responsibilities in accordance with all bank standards, policies and procedures.

Essential Duties & Responsibilities:
• Administers end-user workstations and supports end-user activities utilizing TCP/IP on a primarily Microsoft Windows-based local area network (LAN)& wide area network (WAN).
• Investigates user problems and identifies their source; determines possible solutions; tests and solutions.
• Installs, configures and maintains personal computers, Windows networks, windows workstations, file servers, network cabling, and other related equipment, devices and systems; adds or upgrades and configures disk drives, printers and related equipment.
• Performs and/or oversees software and application installation and upgrades. Maintains site licenses for department/organization.
• Plans and implements network security, including maintaining firewalls, configuring VPN, managing host security, file permissions, file system integrity, and adding and deleting users.
• Troubleshoots networks, systems and applications to identify and correct malfunctions and other operational difficulties.
• Develops and conducts various training and instruction for system users on operating systems and other applications; assists users in maximizing use of networks and computing systems.
• Maintains confidentiality with regard to the information being processed, stored or accessed by the end-users on the network.
• Assists personnel of other departments as a computer resource.
• Provides computer orientation to new and existing bank staff.

Qualifications:

• Degree in related field and 3-5 years of networking experience, or equivalent applicable work experience.
• 1-2 years help desk experience.
• Ability to communicate technical information to nontechnical personnel.
• Ability to install, configure and maintain personal computers, networks and related hardware and software.
• Knowledge of computer and/or network security systems, applications, procedures and techniques.
• Ability to identify and resolve computer system malfunctions and operations problems.
• Skill in organizing resources and establishing priorities.
• Excellent verbal and written communication skills.
• Excellent problem solving skills.
• Ability to learn and support new systems and applications.

 

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.

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.~