Careers

Financial Service Representative - Scotts Valley Branch

10/16/2019

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 the 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 a 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 a 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 the 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 the supervisor.

EQUIPMENT USED:

General banking Office equipment.

SUPERVISORY RESPONSIBILITIES:

None

Customer Service Representative  - Santa Cruz Branch

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

Help Desk Administrator - Watsonville Branch

10/16/2019

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 the 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 documentation 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

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.

Financial Service Representative - Aptos Branch

8/14/2019

Title:                Financial Service Representative

Supervisor:      Service Manager

Department:    Operations

Status:             Non-Exempt

________________________________________________________________________

OUTLINE OF POSITION AND DUTIES

Performs a variety of duties in promoting and selling bank deposit products 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 of time.

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 client 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 Banc Pac.
• 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 for requests for service from clients.
• Answer Bank’s main telephone line as required.
• Meet minimum monthly cross sales ratios by quarter per calendar year as set by management
• Attend and successfully complete all assigned mandatory compliance and training courses assigned by the Bank.
• Meet Sales goals established through Bank-wide and banking office specific campaigns.
• Refer Bank products and services to other departments within the Bank where applicable.  (loans, merchant services)
• Demonstrate exemplary internal and external client serve at all times.
• Other duties as assigned by supervisor.

EQUIPMENT USED:

General banking Office equipment.

SUPERVISORY RESPONSIBILITIES:

None

Accounting Specialist II - Watsonville Branch

7/29/2019

Title:                Accounting Specialist II

Supervisor:      Accounting Supervisor

Department:    Finance & Accounting

Status:             Non-Exempt

________________________________________________________________________

OVERVIEW OF POSITION:

The Accounting Specialist II position is a hands-on position characterized by a good 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 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. This individual will also be the primary backup and fully cross-trained on all duties of the Accounting Specialist I.

ESSENTIAL FUNCTIONS:

• Assists in processing accounts payable invoices, checks and updating 1099 vendor information on the core systems application
• Provides Accounting Manager and Controller with expense vouchers for payment approval and maintains paid invoice files
• Performs OFAC review on bank vendors annually and during vendor setup
• Input new fixed assets and perform inventory control as necessary
• Prepare and post monthly depreciation and reconciliation of fixed assets
• 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
• Post daily and month-end general ledger entries
• Post monthly servicing asset amortization and discount accretion, entries related to loan payoffs and perform quarterly analysis of SBA loans sold.
• 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
• Works with the Accounting Manager and Controller to help resolve daily accounting issues
• Assist in the preparation of internal and external audit reports
• Prepares internal and external reports including but not limited to: sales & use tax return, business property tax statements, and the federal reserve FR2900 report
• Prepares schedules for FFIEC Call Report
• Prepares financial tables and footnotes required for annual reporting
• Maintains PC skills, particularly in spreadsheet and word processing applications
• Performs other duties as assigned within the Finance & Accounting Department

JOB REQUIREMENTS:

• Associate 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

Credit Analyst - Santa Cruz Branch

1/25/2019

Title:                Credit Analyst - Santa Cruz Branch

Supervisor:      VP Senior Relationship Manager

Department:    Loan Administration – 81

Status:             Non-Exempt

________________________________________________________________________

OUTLINE OF POSITION AND DUTIES

Assist in calculating risk in and managing the Bank’s portfolio of commercial loans, employing wide variety of financial analysis techniques, including ratio and trend analysis as well as the creation of projections and a detailed analysis of cash flows.

• Underwrite new and renewal commercial loan requests and render decisions in adherence with Bank lending policy.  Includes performing cash flow and underwriting analysis.
• Prepare appropriate reports to assist in the loan decision-making process.
• Spread, review and analyze updated financial statements and supporting documentation on existing commercial and new commercial loans.
• Work closely with commercial lenders to ensure open communication regarding the customer and to ensure accurate file documentation.
• Discuss any perceived credit weaknesses or potential credit problems with the Relationship Manager, Credit Manager, and/or Chief Credit Officer.
• Analyzes work to conform to regulatory guidelines and Bank policies. Ensure compliance with applicable regulations.
• Examination of collateral and other sources of repayment as well as credit history and management ability.

EDUCATION:

• BA Business Administration with a preferred concentration in Finance or Accounting

PRIOR EXPERIENCE:

• 1-4 yrs related experience in commercial banking
• Participation in a commercial bank training program highly desired

REQUISITE SKILLS:

• Strong oral and verbal communication skills
• Ability to work independently with minimal guidance
• Ability to solve complex issues with minimal guidance
• Ability to work effectively at a fast pace with competing interests and due dates, but can still maintain a timely turnaround time.
• Proficient in the use of personal computers and software programs, such as Excel, MS Word and MS Access as well as other programs specific to the banking industry
• Familiar with basic accounting and different forms of financial statements such as balance sheets, income statements, agings, business and personal tax returns, etc.

SUPERVISORY RESPONSIBILITIES:

None

eBanking/Operations Specialist - Scotts Valley Branch

5/23/2018

Title:                eBanking/Operations Specialist - Scotts Valley Branch

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:

• Customer service and support
• Accounts maintenance, check orders, and stop payments
• Research requests
• Debit card support
• Cash and coin orders and support
• Credit card processing and support
• eBanking new accounts and customer/product support
• Quality assurance
• Daily exception item processing, check adjustment, and return deposits
• Deposit review
• Verification of deposits
• Reclamations
• Liens and levies
• IOLTAs
• Back-up withholding
• Subpoenas and summons
• Abandon property
• CDARS
• IRA support ATM settlement
• Reg. E claims
• Account reconciliations and certifications
• ACHs
• Wires
• CTR filing

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 Branch

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.