Careers

Accounting Specialist - Watsonville

1/27/2020

Title:                Accounting Specialist II

Supervisor:      Assistant Controller

Department:    Finance & Accounting

Status:             Non-Exempt

OVERVIEW OF POSITION:

The Accounting Specialist II will demonstrate a high degree of accuracy and attention to detail with a working knowledge and understanding of Generally Accepted Accounting Principles. This individual will be responsible for extreme process-oriented functions, with a repetitive day-to-day high volume of accounts payable processing, periodic reconciliations of balance sheet accounts, assist in the preparation of internal, external and regulatory financial reports, periodic posting of financial accounting entries and the coordination of the department’s certification function – all within strict daily, weekly, monthly and quarterly deadlines.

ESSENTIAL FUNCTIONS:

• Manage the full accounts payable cycle from receipt of invoices to payment; including coding invoices, obtaining approval and entering invoices into the accounts payable system.
• Responsible for IRS 1099 reporting and updating vendor information on the core system application
• Provides management with expense vouchers for payment approval and maintains paid invoice files
• Performs OFAC review on bank vendors annually and during vendor setup
• Identify and classify new fixed assets and prepaids appropriately during accounts payable cycle
• Prepare and post monthly amortization and reconciliation of prepaids
• Assist in performing fixed asset inventory control
• Prepare daily and month-end general ledger entries pertaining to investments, monthly accruals, fed funds, borrowings, interest/fees on due-from correspondent accounts, accounts payable and other accounting entries for the Finance department
• Assist in the preparation of quarterly Asset Liability Committee and Investment Committee meeting packages
• Prepares monthly reconciliation of various general ledger accounts, bancontrol accounts, and expense check register in a timely and accurate manner and communicates outstanding items for clearing to the appropriate departments
• Performs monthly certification of all balance sheet and high risk accounts, including the G/L Balancing Report, Expense Check supply, Cashier Check supply, and various income statement accounts
• Reviews monthly variances related to the expense general ledger accounts and provides explanations
• Partner with management to identify and implement process improvements
• Assist in the preparation of internal and external audit reports
• Prepares internal and external reports including but not limited to: sales & use tax return and business property tax statements
• Prepares daily branch cash report and weekly management reports
• Performs daily “call back” of department’s journal entry documentation to core system
• Maintains PC skills, particularly in spreadsheet and word processing applications
• Performs other duties as assigned within the Finance & Accounting Department
   
  JOB REQUIREMENTS:
• Associate’s Degree in Finance or Accounting required; Bachelor’s Degree in Finance or Accounting preferred
• 3-5 years’ experience in a financial institution preferred
• Sound understanding of accounting principles
• Must be detail oriented and have ability to meet deadlines
• Ability to work repetitively and under pressure using deductive reasoning
• Ability to work well with peers, officers and directors
• Ability to use PC, with at least intermediate understanding and working experience in spreadsheet application (Excel)
• 10-key adding machine experience
   
  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
   

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 - River St., 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.

Customer Service Manager - N. Pacific Ave., Santa Cruz

11/25/2019

Title:                 Customer Service Manager

Supervisor:       Branch Administrator  

Department:     Operations

Status:              Exempt

OUTLINE OF POSITION AND DUTIES

The Service Manager of the Bank will manage daily operations of the office to ensure that excellent Customer service is first priority. Communicate Customer service standards to all staff, and ensure that Customer standards are consistently met. Must have knowledge and ability to provide Customers with an understanding of all bank products and services, and endeavor to offer, promote and refer bank products and services to new and existing customers. Ensure that the Bank is not placed in a potential loss situation.

PREFERRED EDUCATION: A.A in Business Administration

PREFERRED PRIOR EXPERIENCE:

5-7 years banking experience

2-3 years Supervisory experience

REQUISITE SKILLS:

• Good Organizational Skills
• Good Communication Skills
• Thorough knowledge and understanding of all Bank products.
• Thorough knowledge of Branch Certifications.
• Understanding of all Regulatory and Compliance issues relative to new account activity.
• Good counseling and teaching skills.

DUTIES - to include but not limited to:

• Oversee daily operations of branch office.
   
• Ensure all Customer needs and requests are met in a timely, professional manner.
• Responsible for developing and cross training all staff to ensure consistent excellent Customer service.
• Successfully complete all compliance and training courses assigned by the Bank.
• Direct employee training to improve efficiency and ensure conformance with standard procedures and practices, and to ensure compliance with all Regulations.
• Ensure that office cash supply is sufficient to service customer needs, while staying within assigned cash limits.
• Maintain appropriate cash control, ensuring safe cash conduct is always followed.
• Ensures that all employees have a thorough knowledge of bank products and can explain features and benefits to customers. .
• Ensure that all staff members, especially those who have direct customer contact, have a good knowledge of all bank systems.
• Work in coordination with Relationship Managers to ensure that service quality standards are consistently met. Ensure that specific service needs of individual customers are addressed and managed.
• Conduct weekly/monthly meetings with staff to ensure quality Customer service.
• Timely completion of performance evaluations and goals for each subordinate. Complete appropriate disciplinary action as required, following internal procedures at all times.
• Compile required and special reports for activity.
• Responsible for service quality standards, audit controls, and loss prevention.
• Demonstrate leadership, teamwork and innovation with regard to motivating, training and rewarding direct reports at all times.
• Set a positive, model example of providing exemplary internal and external Customer Service.   Set and abide by high standards in work ethics and attendance.
• Service Managers are expected to offer, promote and refer Bank products and services to new and existing customers.

Other duties assigned by Manager.
EQUIPMENT USED (if applicable): General Office Equipment
 
SUPERVISORY RESPONSIBILITIES: Branch Operations Staff
 

Customer Service Representative  - Santa Cruz

10/16/2019

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

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.

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

____________________________________________________

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.