Relationship Services Specialist
5/17/2013

OUTLINE OF POSITION AND DUTIES:
The Relationship Services Specialist’s main goal will be to ensure that service quality standards are consistently met with clients and other departments of the Bank. The Relationship Services Specialist (RSS) will understand and support the growth of the Bank’s products that fall under the responsibility of the Relationship Services department. The Relationship Services Specialist is to ensure specific service needs of our clients are addressed and managed in a timely manner. 

PREFERRED EDUCATION:
AA Business Administration

PREFERRED PRIOR EXPERIENCE:

  • At least 3 years of Banking Experience
  • Operations
  • Administrative
  • Customer Service


REQUISITE SKILLS:

  • Ability to understand the needs of corporate customers
  • Ability to review analysis statements from other banks
  • Ability to prepare and communicate banking proposals to prospects
  • Ability to work in a team environment and to manage multiple tasks simultaneously
  • Excellent organizational, written, analytical and oral communication skills
  • Proficient knowledge of computer programs, including Microsoft Word Excel, Access, Internet, BancPac, DepositPro, Merchant Connect, EFT Debit Cards, FastTrack, Remote Deposit & TIB, bank credit cards. 
  • Experience and knowledge of Remote Deposit, Merchant Services, Health Savings accounts, Credit Cards, Sweep accounts, Retirement accounts, i.e., IRA, Simple, SEP, Roth, & Educational Savings accounts.
  • Attention to detail and accuracy
  • Superior customer service skills
  • Ability and willingness to go to client’s locations for installation and training of products
  • Ability to be a self-starter and work independently


DUTIES - include but are not limited to:
Tracking, product knowledge, customer and employee training and support in all areas of the Bank’s core and non-core products specifically, IRAs, Sweep, Merchant Services, Remote Deposit Capture (Fast Track!),  Health Savings accounts, Credit Cards and any other products that may be developed that would fall under Relationship Services. 

Ordering of credit card machines and Remote Deposit scanners; tracking inventory, programming and installation of equipment will be significant. Trouble-shooting equipment/system malfunctions with clients will be ongoing. Conduct demonstrations to prospective Remote Deposit clients and ongoing customer service.
 
Completing and submitting client applications and pertinent supporting documentation to necessary 3rd parties.  Responsible for follow-up on any new applicants and able to take the initiative to contact the client and arrange for implementation/training in all areas of the department.

Back-room Operations functions:  Complete wire forms, cash management and ACH documentation.  Understand the basics of online banking and ACH origination. Conducting transfers via TXS, maintenance on BancPac, resetting online banking passwords, changing of addresses, etc.

Create and administer client files, purging those closed when appropriate. Maintain Access database with all client information.  Conduct Account Folio scanning.

The RSS will be the main contact with TIB for Bank credit cards and will be responsible for submitting both corporate and individual applications to TIB with necessary supporting documentation.  The RSS will maintain credit card files and will communicate directly with credit card clients. 

The RSS will have a thorough knowledge and understanding of all Bank products The RSS may be required to go on prospect calls with Relationship Managers.
The RSS will be responsible for learning all aspects of the Relationship Services Department so that s/he is fully cross-trained and able to run the Department in the absence of the Supervisor. RSS will be required to participate in ongoing training, becoming knowledgeable in all  pertinent areas of compliance and regulations.


EQUIPMENT USED:

  • General Office Equipment
  • Cell Phone
  • Remote Deposit TS230, Panini and Cannon scanners
  • Various credit card machines
  • Account Folio Scanner


SUPERVISORY RESPONSIBILITIES:
None
 

Accounting Specialist
5/6/2013

Supervisor:  Controller
Department:  Finance & Accounting


OVERVIEW OF POSITION:
The Accounting Specialist - Finance & Accounting position is characterized by highly process-oriented functions, with a repetitive day-to-day volume of accounts payable processing, due-from bank reconciliations, daily input of various financial accounting transactions and regular monthly deadlines pertaining to payroll processing and various reports. This position is a highly "numbers" oriented position and it demands a great degree of accuracy and an extreme attention to detail. A broad understanding of fundamental financial bank processes, not to mention a sound understanding of accounting principles, is desirable.


ESSENTIAL FUNCTIONS:

  • Processes all accounts payable invoices, checks and updates 1099 vendor information on the core systems application;
  • Provides Controller with expense vouchers for payment approval and maintains paid invoice files;
  • Reconciles all correspondent bank accounts on a daily to monthly basis, in a timely and accurate manner and communicates to appropriate departments of outstanding items for clearing;
  • Provides completed reconciliations to Controller for initialed review.
  • Prepares and/or posts daily and month-end General Ledger entries pertaining to fed funds sales, accounts payable, accruals,
  • investments, prepaid expenses, payroll, and fixed assets depreciation.
  • Performs "call back" of "TXS" entry documentation of others as needed.
  • Performs monthly certification of all accounts under the responsibility of the Finance & Accounting Department, the G/L Balancing Report # 973 and Expense Check supply;
  • Works with the Controller to help resolve daily accounting problems;
  • Inputs new fixed assets
  • Prepares internal and external reports such as the liquidity report, sales & use tax return and weekly report of local agency deposits;
  • Maintains P.C. skills, particularly in spreadsheet and word processing applications;
  • Files numerous department documents and/or forms
  • Performs other duties as assigned by the Controller.

JOB REQUIREMENTS:

  • High school graduate essential, with Associate Arts Degree or Bachelors Degree preferred
  • Must be detail oriented and have ability to meet deadlines
  • Ability to work repetitively and under pressure using deductive reasoning
  • Ability to use PC, with at least intermediate understanding and working experience in spreadsheet application (Excel) skills
  • 10-key adding machine experience
  • Banking background preferred


PHYSICAL REQUIREMENTS:

  • Extended periods of sitting
  • Use of telephone and computer
  • Ability to lift up to 25lbs


EQUIPMENT USED: Personal computer, telephone, copy machine, fax machine, shredder, postage machine


SUPERVISION: None

Client Service Specialist - Capitola Branch
4/22/2013

OUTLINE OF POSITION AND DUTIES:
Provide excellent client service to all clients of the Bank. Process transactions for clients consistent with Bank's policies and procedures. Assist with opening new accounts, and processing client requests consistent with Bank policies and procedures.  Possess a thorough knowledge and understanding of all Bank products and services, and endeavor to sell bank products and services to new and existing customers. Primary responsibility will be to act as back-up for Client Service Representatives and Financial Service Representatives.  They will further ensure that the Bank is not placed in a potential loss situation.  The Client Service Specialist acts as back up to the Service Manager and maintains efficient operations.

PREFERRED EDUCATION: High School Diploma

PREFERRED PRIOR EXPERIENCE: 3+ years banking experience

REQUISITE SKILLS:

  • Good Organizational Skills
  • Good Communication Skills
  • Good Cash Handling Skills
  • Ability to lift up to 251bs
  • Ability to Sit/Stand for long periods
  • Knowledge of all functions of Teller line and Vault
  • Ability to open new accounts when necessary


DUTIES – to include but nor limited to:

  • Greet clients in a friendly, professional, courteous manner.
  • Receive deposits; verify cash and endorsements, issue receipts.
  • Accept checks for cashing, verifying funds and endorsements, taking and recording proper identification as necessary.
  • Accept non-cash items (i.e., foreign checks, US Savings Bonds) for collection and processing.
  • Order foreign drafts with proper documentation and correct exchange rate.
  • Order and sell foreign currency with proper documentation and correct exchange rate.
  • Accept TT&L deposits, ensuring all dates are correct on client coupons and receipts.
  • Prepares Wire Requests accurately and submits to Central Operations timely.
  • Accept and process cash advance transactions.
  • Open new accounts per Relationship Managers and Client requests per Bank policies and procedures.
  • Oversee all daily operations of the branch. Ensure clients needs and requests are met in a timely and professional manner. Ensure that all tasks are completed in an efficient manner with excellent client service always being the first priority.
  • Approves transactions for other employees up to prescribed signing authority limits.
  • Responsible for vault and ATM control and balancing.  Ensure that branch cash limit is adhered to, shipping and receiving currency as needed.
  • Possess a knowledge and understanding of all Bank products and services.
  • Issue Cashiers Checks per client request.
  • Provide telephone support.
  • Seek and recognize opportunities for sales and cross sales and refer a minimum number of bank products and services on a quarterly basis per calendar year as set by management.
  • Attend and successfully complete all assigned mandatory compliance and training courses assigned by the Bank.
  • Demonstrate exemplary internal and external client service at all times.
  • Meet Sales Goals established through Bank-wide and Banking Office specific Campaigns.
  • Other duties as assigned by supervisor.


EQUIPMENT USED (if applicable): General Office Equipment
Cash Counting & Scanning Equipment

SUPERVISORY RESPONSIBILITIES:
Limited to operations of client service staff in the absence of Service Manager.

Client Service Representative I - Santa Cruz Branch
3/22/2013

OUTLINE OF POSITION AND DUTIES:
The individual will provide excellent client service to all clients of the bank.  They will process transactions for clients consistent with Bank’s policies and procedures.  They will possess a knowledge and understanding of all Bank products and services, and endeavor to sell these products and services to new and existing clients.  They will further ensure that the Bank is not placed in a potential loss situation.

PREFERRED EDUCATION:
High School Diploma

PREFERRED PRIOR EXPERIENCE:
6 months cash handling experience

REQUISITE SKILLS:

  • Good Communication skills.
  • Good Computer Skills.
  • Good Cash Handling Skills
  • Ability to lift up to 25lbs.
  • Ability to Sit/Stand for long periods.


DUTIES to include but not limited to:

  • Greet clients in a friendly, professional, courteous manner.
  • Receive deposits; verify cash and endorsements, issue receipts.
  • Accept checks for cashing, verifying funds and endorsements, taking and recording proper identification as necessary.
  • Possess a knowledge and understanding of all Bank products and services.
  • Issue Cashiers Checks per client request. 
  • Client Services Representatives are expected to seek and recognize opportunities for sales and cross sales and refer a minimum number of bank products and services on a quarterly basis for the calendar year as set by management.        
  • Attend and successfully complete all assigned mandatory compliance and training courses assigned by the Bank.
  • Demonstrate exemplary internal and external customer service at all times.
  • Meet Sales Goals established through Bank-wide and Banking Office specific Campaigns.


EQUIPMENT USED (if applicable):
General Office equipment
Cash Counting Equipment

SUPERVISORY RESPONSIBILITIES:
None

Compliance Associate
3/22/2013

OUTLINE OF POSITION AND DUTIES:
Under general supervision, the Compliance Associate will provide administrative support to the Risk Management and Compliance Programs. Perform a variety of duties that may include researching regulations, writing of procedures, coordinating, scheduling, and providing training. Maintaining the training logs as it pertains to compliance training. Maintain the audit tracking log(s) and follow-up on recommendations. Standardize current documents as requested. Maintain the forms library, procedure folder and master document logs on the F drive and the intranet. Including a standard coding system for all forms, procedures and policies. Aid in the organization and clean-up of the F drive. Prepares, or assists in the preparation of meeting, audit and training materials.

Keeping abreast of changes to laws and regulations. Responsible for continued compliance job related personal training. Maintain the regulatory change matrix.

Assist in implementation of the internal audit control program to review, examine and appraise independently all procedures and operations of the bank. Provide clerical work necessary to ensure required documentation is maintained.

PREFERRED EDUCATION:
A Bachelor’s degree in Business Administration     

PREFERRED PRIOR EXPERIENCE:
2-5 years in the banking environment

REQUISITE SKILLS:

  • Intermediate to Advanced skills in Excel, Word and PowerPoint
  • Advanced writing skills
  • Familiar with Banking procedures and software
  • Ability to analyze and interpret regulatory guidance
  • Ability to work with multiple departments and priorities.
  • Excellent organizational skills
  • Good communication skills
  • Ability to work with minimum supervision


EQUIPMENT USED (if applicable):
General Office Equipment

SUPERVISORY RESPONSIBILITIES:
None

Credit Administrator – Santa Cruz Administrative Offices
6/29/2012

OUTLINE OF POSITION AND DUTIES

  • Under general direction of the Chief Credit Officer, document track and coordinate the collection of classified assets. Includes responsibilities for incoming/outgoing collections and installment collection.
  • Monitor delinquent credits for the bank and determine when a loan should be transferred for collection.
    • Contact delinquent credit customers and make decisions for the best course of collection. This includes initiating foreclosure of collateral.
    • Prepare delinquent and demand correspondence(s) to the customer in the collection process.  
    • Take possession and/or facilitate possession and liquidation of all forms of collateral.
    • Develop and monitor the OREO procedures and checklists. Monitor OREO properties to insure; insurance is in place, monitor sales process and make recommendations to facilitate the liquidation of the property. Verify the property is secured and maintained during bank ownership.
    • Monitor and track collections and bankruptcies through a tracking matrix
  • Responsible for updating the monthly Watch and CLAP reports
  • FASB 114 and FASB 5 quarterly analysis and reporting
  • Review Credit Authorizations (CA’s) for Call Code check back and covenant requests. Covenants listed on the CA’s are reviewed for compliance with Bank policy and appropriateness to credit size and risk.
    • Create and populate Exception to Policy report at each quarter-end
  • Appraisal Responsibilities. To review and document appraisals and to maintain an updated Approved Appraiser list May also include ordering appraisals.
  • Approve and document  subordination requests
  • Develop and monitor assigned procedures such as A/R and loan monitoring on a monthly basis which includes freezing lines and override dollar amounts
  • Develop and maintain a quarterly large loan report.
  • Develops and analyzes credit information. Furnishes information relative to credit inquiries and provides assistance to the Chief Credit Officer. Prepares cash flow analyses, summaries, presents facts and may offer opinions concerning credit worthiness.
  • Ensures documentation adheres to bank policies and laws and regulations applicable to the extension of credit and collections. 

PREFERRED EDUCATION:
BA Business Administration

PREFERRED PRIOR EXPERIENCE:
8 years bank lending experience

REQUISITE SKILLS:

  • Knowledge of banking collection practices and documentation procedure.
  • Knowledge of bankruptcy law and how it relates to loan collection and bank collateral.
  • Knowledge of SBA lending practices and collections.
  • Collects, organizes, and analyzes data for a variety of loan products.
  • Analyzes financial statements, financial ratios and reviews tax analysis.
  • Reviews all documentation for completeness and accuracy prior to documents being signed and finalized.
  • Has direct contact with clients to resolve routine issues.
  • Develops and maintains relationships with other bank departments, such as the Note Department, to obtain and share information and resolve client issues.
  • Assists Chief Credit Officer in loan write-up requirements, and performs written analysis independently.
  • Performs other duties as assigned.

EQUIPMENT USED (if applicable):
General Office Equipment

SUPERVISORY RESPONSIBILITIES:
none