Careers

Customer Service Specialist - Santa Cruz

6/3/2020

Title:                 Customer Service Specialist

Supervisor:       Service Manager

Department:      Operations

Status:               Non-exempt        

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 offer, promote, or refer bank products and services to new and existing clients. Primary responsibility will be to act as back-up for Customer Service Representatives and Financial Service Representatives.  They will further ensure that the Bank is not placed in a potential loss situation.  The Customer Service Specialist may act as back up to the Service Manager and maintains efficient operations.

PREFERRED EDUCATION:

High School Diploma

PREFERRED PRIOR EXPERIENCE:

2-3 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 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

• 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.

• Prepares Wire Requests accurately and submits to Central Operations timely.

• Accept and process cash advance transactions
• Open new consumer and business accounts per Relationship Managers and Client requests per Bank policies and procedures.
• Oversee 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 Cashier’s Checks per client request.

• Provide telephone support by answering calls within three rings.
• Seek and recognize opportunities when to offer, promote or refer bank products and services to new or existing clients. 

• 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.
• Participate in all established Bank-wide and Banking Office specific Campaigns and Goals.
• Perform the duties of a Customer Service Representative as required or directed by the CSM.
• Other duties as assigned by supervisor.

EQUIPMENT USED:

General Office Equipment

Cash Counting & Scanning Equipment

SUPERVISORY RESPONSIBILITIES:

Limited to operations of client service representatives in the absence of the Service Manager.

Help Desk Administrator - Watsonville

6/3/2020

Title:                Help Desk Administrator

Supervisor:      SVP CIO and CISO

Department:     IT

Status:              Non-Exempt

OVERVIEW OF POSITION

Help desk administrators are responsible for handling system support activities for their company or organization as well as providing excellent client experiences and working to resolve support issues in a prompt and professional manner. One of their main tasks includes providing password and login resets for end users. In addition, they perform advanced system and network repairs, as well as provide computer information responses over email, phone, and in person as needed.

ESSENTIAL FUNCTIONS:

• Read or listen to client problems and collect necessary information to identify and solve technical issues.
• Remotely or in person conduct set-up, administration, configuration, or troubleshooting of problems.
• Monitor and follow policies on backups, network, and storage capacity, and change management.
• Use ticket tracking to document problems and their solutions, and analyze that data to improve performance and training.
   

DUTIES – to include but not limited to:

• Install, configure, upgrade, maintain and support desktop systems based on customer service requests.
• Develop preventive maintenance procedures to avoid system failures.
• Set user access rights and permissions and create VPN accounts for users.
• Maintain servers, computers printers, and other software and hardware peripherals.
• Take regular back-ups of server files and maintain disaster recovery operations.
• Perform data center and network related tasks as assigned by Supervisor
• Troubleshoot technical issues and escalate complex problems to appropriate support teams for resolutions.
• Perform repairs and replacements of software and hardware peripherals.
• Provide assistance to other Administrators when requested.
• Perform failure analysis and determine corrective action plans.
• Plan and execute allotted work within deadlines and maintain records of daily tasks.
• Oversee inventory management of software and hardware components.
• Maintain accurate documentations for system installations, configurations, upgrades and disaster recovery activities.
• Install antivirus software and oversee software license renewals.
• Requires flexibility in scheduling as work hours may include after-hours and weekends.

SUPERVISORY RESPONSIBILITIES:

None

Security Architect - Watsonville

6/3/2020

Title:                    Security Architect

Supervisor:         SVP CIO and CISO

Department:      IT

Status:                  Exempt

OVERVIEW OF POSITION

A Security Architect is responsible for designing, building, testing and implementing security systems within an organization’s IT network. A Security Architect is expected to have a thorough understanding of complex IT systems and stay up to date with the latest security standards, systems and authentication protocols, as well as best practice security products.

PREFERRED EDUCATION/EXPERIENCE:

• Bachelor or Masters of Science or equivalent work experience of a minimum of 7 years
• Certifications desired C|EH, OSCP, GSEC, CSP, DFIR and CCNA

ESSENTIAL FUNCTIONS:

• In addition to anticipating possible security threats and identifying areas of weakness in a network system, a Security Architect must respond promptly and effectively to possible breaches of security
• Extensive experience in information security and/or IT risk management with a focus on security, performance and reliability
• Solid understanding of security protocols, cryptography, authentication, authorization and security
• Good working knowledge of current IT risks and experience implementing security solutions
• Experience implementing multi-factor authentication, single sign-on, identity management or related technologies
• Ability to interact with a broad cross-section of personnel to explain and enforce security measures
• Excellent written and verbal communication skills as well as business acumen and a commercial outlook
• As a senior member of the IT team, the Security Architect includes cultivating a culture of security awareness, and arranging continuing education of personnel to ensure security policies are adhered to at all times

DUTIES – to include but not limited to:

• Reviewing current system security measures and recommending and implementing enhancements
• Conducting regular system tests and ensuring continuous monitoring of network security
• Developing project timelines for ongoing system upgrades
• Ensuring all personnel have access to the IT system limited by need and role
• Establishing disaster recovery procedures and conducting breach of security simulations and table top exercise

• Promptly responding to all security incidents and providing thorough post-event and root cause analysis Enhances security team accomplishments and competence by planning delivery of solutions; answering technical and procedural questions for less experienced team members; teaching improved processes; mentoring team members.
• Determines security requirements by evaluating business strategies and requirements; researching information security standards; conducting system security and vulnerability analyses and risk assessments; studying architecture/platform; identifying integration issues; preparing cost estimates.
• Plans security systems by evaluating network and security technologies; developing requirements for local area networks (LANs), wide area networks (WANs), virtual private networks (VPNs), routers, firewalls, and related security and network devices; designs public key infrastructures (PKIs), including use of certification authorities (CAs) and digital signatures as well as hardware and software; adhering to industry standards.
• Implements security systems by specifying intrusion detection methodologies and equipment; directing equipment and software installation and calibration; preparing preventive and reactive measures; creating, transmitting, and maintaining keys; providing technical support; completing documentation.
• Verifies security systems by developing and implementing test scripts.
• Maintains security by monitoring and ensuring compliance to standards, policies, and procedures; conducting incident response analyses; developing and conducting training programs.
• Upgrades security systems by monitoring security environment; identifying security gaps; evaluating and implementing enhancements.
• Prepares system security reports by collecting, analyzing, and summarizing data and trends.
• Updates job knowledge by tracking and understanding emerging security practices and standards; participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Enhances department and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
• Network Security, Network Hardware Configuration, Network Protocols, Networking Standards, Supervision, Conceptual Skills, Decision Making, Informing Others, Functional and Technical Skills, Dependability, Information Security Policies

SUPERVISORY RESPONSIBILITIES:

None

Human Resources Generalist - Santa Cruz

5/14/2020

Title:                Human Resources Generalist (05/08/20)

Supervisor:      HR Manager

Department:    Executive Administration

Status:             non-exempt

OUTLINE OF POSITION AND DUTIES:

Under general direction the Human Resources Generalist (“HR Generalist”) provides administrative support to the Human Resources function of the Bank. The HR Generalist aids in the administration of the human resources policies, procedures and programs. The HR Generalist carries out responsibilities in the following functional areas: Payroll, Human Resource Information Systems (HRIS), employee payroll, health, and benefit relations.

The HR Generalist is responsible for all or part of these areas:

• Payroll
• maintain accurate employee personnel files
• employment administration processes and compliance to regulatory concerns and reporting;
• employee orientation, tracking development and training;
• company employee communication;
• compensation and benefits administration;
• employee safety, welfare, wellness and health;
• Reconciling benefits statements;

The HR Generalist will coordinate the implementation of HR services, procedures and programs, and assist company managers with payroll and benefit issues.

PREFERRED EDUCATION:

• AA or Bachelors
• At least 2 yrs Human Resource coursework & experience.
   

PREFERRED PRIOR EXPERIENCE:

Background in Human Resources preferably in the Banking Industry.

Proficient with Payroll Software and HRIS Systems

REQUISITE SKILLS:

Payroll processing, Maintaining Employee Files, People Skills, Resolving Conflict, Employment Law, Project Management, Ability to maintain confidential information, Office Experience - General, Reporting Skills, Verbal Communication, Administrative Writing Skills, Computer skills: word processing, spreadsheets, etc.

DUTIES TO INCLUDE but not limited to:

• Create and maintain electronic and hard copy employee files, past and present.
• Maintain HR related policies and procedures.
• Provides employees with information regarding benefits, forms, records and practices.
• Conducts new hire orientations.
• Performs background checks & investigations.
• Maintains Job Descriptions and Hiring Procedures.
• As directed, performs yearly salary/benefit surveys.
• Pre-screens Resumes per department instructions.
• Process semimonthly payroll, ensuring pay is processed on time, accurately, and in compliance with federal, state, and local payroll, wage, and hour laws and best practices;
• Responsible for accuracy of incentive program payouts.
• Assists human resources programs by providing human resources services, including talent acquisition, staffing, employment processing, compensation, health and welfare benefits, training and development, records management, safety and health, compliance, and labor relations; completing personnel transactions.
• Assists in human resources solutions by collecting and analyzing information; recommending courses of action.
• Prepares reports by collecting, analyzing, and summarizing data and trends.
• Protects organization's value by keeping information confidential.
• Complies with federal, state, and local legal requirements by studying existing and new legislation; anticipating legislation; enforcing adherence to requirements; advising management on needed actions.
• Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Enhances department and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.

EQUIPMENT USED:

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Bank Training Specialist - Santa Cruz

5/7/2020

Title:                Bank Training Specialist  

Supervisor:      Human Resources Manager

Department:    Human Resources

Status:             non-exempt         

Grade:             5

OUTLINE OF POSITION AND DUTIES:

The Training Specialist provides creative and effective instruction to the Bank’s personnel on a diverse range of subject matter. Performs duties as a liaison between all business units. Executes all components of quality blended training including; designing, developing, scheduling, delivering, and maintaining approved programs. Performs a variety of routine daily tasks, reviews reports, and prepares correspondence. Participates in special department and Bank projects.

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Conduct monthly and quarterly systems and sales training for all new employees.
• Delivers training for a variety of Bank products and processes (e.g., new-hire, process, product or systems, customer experience skills) to a consistent audience through directive teaching methods to help individual contributors and managers develop crucial job skills.
• Amend and revise existing programs as necessary, in order to adapt to changes occurring in the work and/or industry environment.
• Design and develop new training and development programs as needed using a variety of training methods. Training methods to include: instructor led, web-based, webinar produced, and video training.
• Monitor and review the progress of trainees through questionnaires and discussions with managers.
• Remain up to date with developments in training by reading relevant journals and attending meetings and relevant courses.
• Have an understanding of e-learning techniques, and where relevant, be involved in the creation and/or delivery of e-learning packages.
• Participate on project teams to design, develop, and deliver relevant training as needed.
• In a more senior role, assist in executing a training strategy for the Bank.
• Other duties may be assigned.

QUALIFICATIONS:

Knowledge, Skills and Abilities:

• Strong working knowledge of Microsoft Word, PowerPoint, and Outlook.
• Must communicate clearly and succinctly, both orally and in writing.
• Knowledge of Banking Systems and Operating systems preferred.
• Familiar with traditional and modern training methods, tools and techniques.
• Adequate knowledge of learning management software.
• Sound decision making and organizational skills.
• Excellent facilitation skills.
• Content/Curriculum Development.
• Strong communication and relationship management skills.
• Ability to work flexible schedule to support delivery which may exceed the typical workday.
• Travel 25-50% to other locations to support training needs at multiple locations.

Professional Experience:

3 – 5 years related experience and/or training.

Teaching experience.

Educational Experience:

Bachelor’s degree (B.A.) from four-year college or university; or equivalent combination of experience and/or training

EQUIPMENT USED (if applicable):

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Project Manager - Santa Cruz

5/5/2020

Title:                Project Manager 

Supervisor:      EVP Chief Administrative Officer

Department:    Operations

Status:             Exempt          

OUTLINE OF POSITION AND DUTIES:

The Project Manager of the Bank oversees all aspects of various projects using planning, monitoring and controlling processes. The Project Manager is responsible for completion of all projects on time, on budget and on spec. To this end, the PM performs a variety of tasks including, but not limited to, defining project scope, gathering and documenting requirements, creating a project plan, coordinating all resources and stakeholders, setting deadlines, assigning responsibilities, and monitoring, summarizing and communicating the progress of the project.

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Promotes and maintains quality member service at all times.
• Meet with project stakeholders in order to gather and fully document all relevant requirements.
• Coordinate a team made up of various impacted business units.
• Coordinate communication between staff and third parties acting on behalf of the client.
• Effectively manage all third-party vendors.
• Plan projects in order to accomplish its goals within constraints such as time, cost and agreed quality standards.
• Ensures performance and work generated (i.e., forms, reports, correspondence, computer input, etc.) is high quality on a daily basis.
• Participates in transition support planning
• Identify schedule uncertainties and risks for both client and IT.
• Develop schedule contingency plans
• Day-to-Day Management
• Manages business prioritization. Serves on the IT Steering Committee, presenting assessments of proposed, in-process and completed projects to the Steering Committee and department managers
• Demonstrates strong problem solving and influencing skills.
• Constantly monitor and report on the progress of a project to all stakeholders.
• Create, maintain & constantly look to improve business processes.
• Track and report weekly on percent complete, budget burn, earned value, slippage, project effort and duration to complete and other key project metric
• Manages project portfolio and conducts cost / benefit analysis. Creates and updates procedures to improve processes.

QUALIFICATIONS:

Knowledge, Skills and Abilities:

• Excellent organizational and interpersonal skills.
• Good computer skills, proficient with MS office applications, including SharePoint and MS Project
• PMP certification
• Financial Services experience

Professional Experience:

At least 5 years of direct Project Management experience.

Education:

Associates Degree, Bachelor’s Degree, or equivalent combination of experience and training

EQUIPMENT USED (if applicable):

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Universal Banker - Santa Cruz

5/4/2020

Title:               Universal Banker

Supervisor:      Service Manager

Department:    Operations

Status:             Non-Exempt

POSITION:

This position is universal and will be versed in new accounts, teller, online banking, notary, signing authority and phone support. The primary responsibilities of this position are to provide excellent customer service to all customers of the bank. Provide support to business and retail online banking customers and Bank staff. Responsible for opening new consumer and business accounts and perform all account maintenance following established procedures. Process transactions for customers consistent with Bank’s policies and procedures. Knowledgeable of the Bank’s products and services, and assists customers in choosing appropriate types of accounts. Ensures compliance with all Federal and State laws and regulations.

PREFERRED EDUCATION:

High School Diploma or Higher
Notary

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Good Organizational Skills
• Excellent verbal and written communication skills
• Time Management
• Good Cash Handling Skills
• Thorough knowledge and understanding of all Bank products.
• Knowledge of bank software
• Microsoft Office programs
• Reg E, Regulation CC, and BSA/AML
• Ability to lift up to 25 1bs.
• Ability to Sit/Stand for long periods.

DUTIES – to include but not limited to:

• Perform accounts maintenance, check orders, and stop payments
• Provide debit card support
• Review deposit and in clearing checks
• Open new accounts per Bank policy and procedures, conducting in depth interviews with clients.
• Respond to needs of Relationship Managers in new accounts area, ensuring excellent customer service, as well as knowledge of type of business and impact on other areas of the Bank.
• Maintain relationship database, i.e., CIF’s in Precision.
• Greet customers in a friendly, professional, and courteous manner.
• Receive deposits; verify cash, endorsements, and issue receipts.
• Accept checks for cashing, verify 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.
• Accept and process cash advance transactions
• Possess a knowledge and understanding of all Bank Products and Services.
• Open and perform maintenance on personal and business accounts as required.
• Issue Cashier’s Checks per client request.
• Provide telephone support
• Successfully train New CSRs.
• Oversee daily operations of the branch. Ensure customer needs and requests are met in a timely and professional manner. Ensure that all tasks are completed in an efficient manner, with excellent customer service always being the first priority.
• Approves transactions on Integrated Teller for other employees as directed by the CSM.
• Vault and ATM control and balancing. Ensure that branch cash limit is adhered to, shipping and receiving currency as needed.
• Customer Service Representatives are expected to seek and recognize opportunities when to offer, promote and refer bank products and services to new and existing customers.
• Attend and successfully complete all assigned mandatory compliance and training courses by the bank.
• Participate in all established Bank-wide and Banking Office specific Campaigns and Goals.
• Provide eBanking service and support
• Provide eBanking products and services support (ACH, Wire, Bill Pay, Mobile, RDC, Positive Pay)
• Morning teller balancing to GL’s
• Research corrections
• Aid in the research of teller differences
• Branch cash orders
• Scanning
• Teller turn-ins
• Process courier bags and night drop bags
• Process ATM deposits
• Balance Vault
• Other duties as assigned by supervisor.

EQUIPMENT USED:

• General Office Equipment
• Cash Counting & Scanning Equipment

SUPERVISORY RESPONSIBILITIES:

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

Financial Service Representative - Santa Cruz, Watsonville

3/2/2020

Title:                Financial Service Representative

Supervisor:      Service Manager

Department:    Operations

Status:             Non-Exempt

OUTLINE OF POSITION AND DUTIES:

Performs a variety of duties in offering, promoting and referring bank deposit products and services to new and existing customers.  Opens and processes all types of accounts.  Is knowledgeable of the Bank’s products and services, and assists customers in choosing appropriate types of accounts.  Ensures compliance with all Federal and State laws and regulations.  Ensures that the Bank is not placed in a potential loss situation.

PREFERRED EDUCATION:

AA Business Administration

PREFERRED PRIOR EXPERIENCE:

2 years in banking operations.

REQUISITE SKILLS:

• Good organizational skills
• Good communication skills
• Good cash handling skills
• Thorough knowledge and understanding of all Bank products.
• Ability to lift up to 25 lbs.
• Ability to sit/stand for extended periods.

DUTIES – to include but not limited to:

• Open new accounts per Bank policy and procedures, conducting in depth interviews with clients.
• Respond to needs of Relationship Managers in new accounts area, ensuring excellent customer service, as well as knowledge of type of business and impact on other areas of the Bank.
• Maintain relationship database, i.e., CIF’s in Precision.
• Maintain thorough knowledge of the Relationship Managers portfolio and all specific clients and their needs.
• Ensure that appropriate legal documents and all required paperwork is on file for each client.  Maintain pending file and report all documents yet to be obtained.  Maintain new account log for follow-up per Bank policy.
• Have a good working understanding of all regulatory and compliance issues relative to new account activity.
• Keep supervisor informed on any special  requests for service from customers.
• Answer Bank’s main telephone line within three rings.
• Attend and successfully complete all assigned mandatory compliance and training courses assigned by the Bank.
• Participate in all  established  Bank-wide and banking office specific Campaigns and Goals.
• Refer Bank products and services to other departments within the Bank where applicable.  (loans, merchant services)
• Demonstrate exemplary internal and external customer service at all times.
• Other duties as assigned by supervisor.

EQUIPMENT USED:

General banking Office equipment.

SUPERVISORY RESPONSIBILITIES:

None

Call Center Service Specialist- Scotts Valley

1/6/2020

Title:                Call Center Service Specialist

Supervisor:      VP/Central Operations Manager

Department:    Central Operations

Status:             Non-Exempt

POSITION:

The primary responsibility of this position is to provide service and support to Bank customers and staff. This position may perform any of the duties for which the Central Operations department is responsible.

DUTIES:

• Answer incoming calls to Central Operations customer service and support
• Respond to emails send to Central Operations customer service and support
• Perform account maintenance, check orders, and stop payments
• Provide debit card support
• Place cash and coin orders and provide related support
• Review deposit and inclearing checks
• Complete verification of deposit requests
• Perform levies
• Complete subpoenas and summons
• Reactive dormant accounts
• Respond to research requests

PREFERRED EDUCATION:

AA Business Administration or equivalent     

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Thorough knowledge of Bank products
• Time management
• Excellent verbal and written communication
• Microsoft Office programs
• Knowledge of bank software
• Regulation E, Regulation CC, and BSA/AML
• Ability to sit at workstation for long periods
• Ability to lift up to 25lbs.

EQUIPMENT USED:

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Operations Specialist - Scotts Valley

1/3/2020

Title:                Operations Specialist

Supervisor:      VP/Central Operations Manager

Department:    Central Operations

Status:             Non-Exempt

POSITION:

The primary responsibility of this position is to provide service and support to Bank customers and staff. This position may perform any of the duties for which the Central Operations department is responsible.

DUTIES:

• Provide operational support to Branches
• Input and/or release wires transfers
• Perform daily exception item processing, check adjustment, and return deposits
• Review deposit and inclearing checks
• Process reclamations
• Complete levies
• Remit IOLTA to State Bar
• Back-up withholding
• Subpoenas and summons
• Report unclaimed property
• File EFT disputes
• Perform GL and DDA reconciliations and certifications
• Support ACHs
• Perform quality assurance
• File CTRs

PREFERRED EDUCATION:

AA Business Administration or equivalent     

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Thorough knowledge of Bank products
• Time management
• Excellent verbal and written communication
• Microsoft Office programs
• Knowledge of bank software
• Regulation E, Regulation CC, and BSA/AML
• Ability to sit at workstation for long periods
• Ability to lift up to 25lbs.

EQUIPMENT USED: 

General Office Equipment

SUPERVISORY RESPONSIBILITIES: None

SBA Loan Servicing Assistant - Santa Cruz

12/30/2019

Job Title:          SBA Loan Servicing Assistant

Reports To:     AVP - SBA Loan Service Officer

Department:   SBA Lending Department

Status:            Non-Exempt

OUTLINE OF POSITION AND DUTIES:

Under general supervision, services all types of government guaranteed loans to maintain compliance with Bank/SBA/USDA policies. Upon final disbursement of the SBA loan; reviews the SBA loan file and begins following for closing items.  Contacts borrowers, escrow and/or title companies and other parties directly involved in all aspects of loan servicing. Obtains documents such as insurance binders or certificates, business licenses, financial statements, tax returns, UCC filings, etc. to ensure loan compliance.  Updates information on the Precision tickler system in relation to business collateral and financial information requirements. Upon receipt of business, collateral and financial information documents, reviews documents to ensure accuracy and identifies any adverse changes affecting the loan. Recommends action to be taken on these changes, to management and SBA/USDA when necessary. Responds to all client inquiries and requests regarding demands, releases, subordinations, and substitutions of collateral, moratoriums and loan payoff demand requests.

ESSENTIAL DUTIES AND RESPONSIBILITIES including the following, other duties may be assigned:

• Maintain existing SBA portfolio by obtaining insurance, tickler items, up-dated financial information, and miscellaneous documentation to ensure compliance with Bank and Government Policies.
• General clerical duties include filing, copying scanning and data entry.
• Engage third party vendors for items such as ordering certificates of good standing with the State, personal credit reports, appraisals, environmental due diligence and preliminary title reports.
• Prepare construction disbursements, wire transfers and Secondary Market reports.
• Verify and/or prepare payments, pay-offs, disbursements, adjustments, and remittance to participants in the Secondary Markey. Assure correct monthly billings, rate change notices and delinquency letters and notices.
• Run daily, monthly, quarterly, annual reports and other information reports, which are necessary for tracking department status. Also, disseminates information as appropriate to Bank Management and clients
• Respond to client inquiries regarding new and existing SBA/USDA loans.
• Perform other duties that may be required by the SBA Lending Department.

COMPLIANCE RESPONSIBILITIES:

Responsible for ensuring compliance with all aspects of job related laws and regulations. Responsible for keeping compliance knowledge current by attending compliance related training seminars and/or staff meetings (or reviewing minutes when not in attendance for actual meetings) and by reading pertinent compliance related materials. Job related laws and regulations include, but are not limited to the following: Truth in Lending (Regulation Z); Equal Credit Opportunity (Regulation B); Fair Housing Act; Fair Credit Reporting Act; Fair Debt Collection Practices Act; Loans Secured by Margin Stock (Regulation U); Credit Practices Rules (Regulation AA): Community Reinvestment Act; Real Estate Appraisal Regulations; Real estate Settlement Procedures Act (Regulation X); Regulation 0: Bank Bribery Act; Emergency Preparedness: and Financial Privacy Laws.

SUPERVISORY RESPONSIBILITIES: This job has no supervisory responsibilities.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactory. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Creating, filing and managing loan credit files, ordering appraisals, environmental reports, preliminary title reports, credit reports, UCC searches, and loan documents. Duties may also include updating customer and insurance information, copying and faxing documents. Ability to run errands when needed.

Must have good organizational and time management skills as well as be detail-oriented. Must have excellent interpersonal skills and be willing to work in a team environment.

EDUCATION and/or EXPERIENCE:

Bachelor's Degree (B.A.) from a four-year college or university, or one to two years related experience.

PREFERRED PRIOR EXPERIENCE:

Two or more years associated experience.

REQUISITE SKILLS:

Must have advanced computer skills with thorough understanding of all Microsoft Word & Excel functions. Must be able to apply common sense to carry out instructions furnished in written, oral, or diagram form.

Ability to deal with problems involving several concrete variables in standardized situations.

Must learn quickly and work at a fast pace, and have good organization and communication skills.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands and fingers, handle, or feel; reach with hands and arms; and talk or hear. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions to this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Employee must be able to work with general office equipment.

The noise level in the work environment if usually moderate. Equipment used is general office equipment including computer, postage machine, fax machine, copier/scanner.

OTHER QUALIFICATIONS:

Must have good verbal and written communication, knowledge of basic financial mathematic equations and accounting skills, working knowledge of bank operations, SBA/USDA procedures and policies, title/escrow process, UCC filings and insurance policies. Also must be knowledgeable in Microsoft Word and Excel.

SBA Business Development Officer – Sacramento/Fresno

9/13/2019

Job Title:         SBA Business Development Officer

Reports To:     SBA Department Manager

Department:  SBA Lending Department

Status:              Exempt

___________________________________________________________________________________________________

OUTLINE OF POSITION AND DUTIES:

Develop and submit SBA, USDA B&I, USDA FSA and "Pass Thru" loans. Call on potential or existing customers to develop new business. Provide financial counsel to current and prospective customers. Responsible for screening and processing, reviewing and analyzing loan requests. May interface directly with an officer of the United State Small Business Administration or the United States Department of Agriculture. Provide support and office activities to preserve a high level of customer service and satisfaction.

ESSENTIAL DUTIES AND RESPONSIBILITIES including the following, other duties may be assigned:

Interview prospective loan applicants to determine SBA, USDA B&I, USDA FSA or "Pass Thru" eligibility.Obtain sufficient information from applicants to analyze data in order to make a sound credit decision. Maintain direct control of applicant and documents from initial credit submission up to and including the funding of the loan. Develop business in the community directly and through referral base, such as attorneys, accountants, real estate brokers, business brokers and other lead generators. Provide positive Bank image in the community and professional associations by actively participating in community events to bolster the Bank's image and client retention. Provide support to the SBA Department in obtaining financials, site inspections, or collection activity if requested. Travel required.

COMPLIANCE RESPONSIBILITIES:

Responsible for ensuring compliance with all aspects of job-related laws and regulations. Responsible for keeping compliance knowledge current by attending compliance-related training seminars and/or on-line compliance classes and by reading pertinent compliance-related materials. Job related laws and regulations include, but are not limited to the following: Truth in Lending (Regulation Z); Equal Credit Opportunity (Regulation B); Fair Housing Act; Fair Credit Reporting Act; Fair Debt Collection Practices Act; Loans Secured by Margin Stock (Regulation U): Credit Practices Rules (Regulation AA): Community Reinvestment Act; Real Estate Appraisal Regulations; Real estate Settlement Procedures Act (Regulation X); Regulation 0: Bank Bribery Act; Emergency Preparedness: and Financial Privacy Laws.

SUPERVISORY RESPONSIBILITIES:

This job has no supervisory responsibilities.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

PREFERRED EDUCATION:

Bachelor's Degree (B. A.) Business/Finance from four-year college or university and three years related experience

PREFERRED PRIOR EXPERIENCE:

Prior relationship management experience.

Knowledge of business and economic environment.

REQUISITE SKILLS:

Language Skills:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, and the general public. Good verbal and written communication skills.

Mathematical Skills:

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability:

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral diagram, or schedule form.

Other Skills and Abilities:

Must have a friendly, cooperative attitude and personality. Must be able to handle a multitude of tasks simultaneously without a loss of continuity or quality. Must be able to function with little or no supervision, prioritize workload to the benefit of both the Bank and it's clientele and able to adhere to strict deadlines.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit for long periods of time. The employee frequently is required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions to this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Employee must be able to work with general office equipment. The noise level in the work environment if usually moderate.

OTHER QUALIFICATIONS:

Must have good knowledge of SBA and USDA eligibility and lending criteria as normally acquired with a minimum of two years SBA or USDA experience. Must be able to demonstrate strong oral, written and telephone communication skills as well as strong financial and credit analysis. Must have a proven history of generating SBA 7a / USDA B&I/ USDA FSA/ Pass Thru loan products. Must be able to travel by car to meet with clients/prospects at their business. Knowledge in Microsoft Word and Excel.

Customer Service Representative  - Cupertino, Santa Cruz (2), Scotts Valley

2/16/2019

Title:                Customer Service Representative  

Supervisor:      Service Manager

Department:    Operations

Status:             Non-exempt                                                                                       

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 offer, promote and refer 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 offering, promoting and referring bank products to new and existing clients.       
• 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.
• Participate in all Bank-wide and Banking Office specific Campaigns.
• Other duties as assigned by the supervisor.

EQUIPMENT USED (if applicable):

• General Office equipment
• Cash Counting Equipment

SUPERVISORY RESPONSIBILITIES: None

eBanking Specialist - Scotts Valley

5/23/2018

Title:                eBanking Specialist

Supervisor:      Electronic Banking Officer

Department:    Central Operations

Status:             Non-Exempt

POSITION:

The primary responsibility of this position is to provide service and support to business and retail online banking customers and Bank staff. This position may also perform any of the duties for which the Central Operations department is responsible.

DUTIES:

• Provide eBanking service and support
• Set up new eBanking profiles
• Provide eBanking products and services support (ACH, Wire, Bill Pay, Mobile, RDC, Positive Pay)
• Perform quality assurance reviews
• Perform accounts maintenance, check orders, and stop payments
• Provide debit card support
• Review deposit and inclearing checks

PREFERRED EDUCATION:

AA Business Administration or equivalent     

PREFERRED PRIOR EXPERIENCE:

3 - 5 years in banking environment

REQUISITE SKILLS:

• Thorough knowledge of Bank products
• Time management
• Excellent verbal and written communication
• Microsoft Office programs
• Knowledge of bank software

• Regulation E, Regulation CC, and BSA/AML
• Ability to sit at workstation for long periods
• Ability to lift up to 25lbs.

EQUIPMENT USED:

General Office Equipment

SUPERVISORY RESPONSIBILITIES:

None

Relationship Manager - Santa Cruz

4/16/2018

Title:                Relationship Manager - Santa Cruz Branch

Supervisor:      VP Senior Relationship Manager

Department:    Lending

Status:             Exempt

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OUTLINE OF POSITION AND DUTIES

Makes and services all types of business and individual loans and lines of credit, both secured and unsecured.  Calls on potential or existing customers to develop new business and increase or retain existing business relationships.  Keeps informed as to the status of loans in their portfolio.  Provides subordinate officers with guidance; provides financial counsel to current and prospective customers.  Handles the more complex accounts and makes credit decisions independently.  Travel will be required to client offices and other sites.

PREFERRED EDUCATION:

BA Business Administration

PREFERRED PRIOR EXPERIENCE:

• Solid sales experience, generally gained through a minimum of 7 years previous experience.
• Proven success in generating new business
• Thorough understanding of local market and solid base of contacts required.
• May require a thorough knowledge of specialty business depending on assignment.

REQUISITE SKILLS:

• Good computer skills
• Good communication skills.
• Thorough knowledge of Bank products and software
• Good understanding of financial statements.
• Ability to analyze financial results.
• Develop business development strategy to generate new business.
• Develops referral sources and contacts to generate new business.  Consults with Chief Credit Officer when credit proposals are developed and presented to customer.
• Provides information and may make detailed presentations to prospects specifying product availability, applying creative solutions to client problems/issues.  May gather historical and financial data and develop, or assist in developing, program agreements.
• May consult with and provide guidance to Chief Credit Officer during due diligence process, as information is gathered on customer’s financial status, lending needs, etc.
• May identify specific business needs of customer and determine loan limits by analyzing financial data.
• May participate in sales events, or industry specific seminars as required.
• Individual goals are dependent on success of new business opportunities generated for the Bank.

DUTIES:

•  To include but not limited to: direction of the Senior Lending Officer and Chief Credit Officer.

EQUIPMENT USED:

• General Office Equipment
• Use of personal automobile when needed.  (to be reimbursed)

SUPERVISORY RESPONSIBILITIES:

• May assist other Relationship Managers on specific products.