Career Opportunities

Loan Processor

Status: Exempt, Full-time

Pay Rate: Commensurate with experience. 

Reports to: VP Credit Administration Manager

Locations: Riverside, Encinitas

Job Summary:

C3bank NA, premier business and commercial real estate bank located in Encinitas, CA with over $735 million in assets seeking Loan Processor to support continued growth and credit team expansion. Our culture is built on a foundation of customer service as we Connect stories, Create the future, and Cultivate relationships. Internally our employees strive to support our customers through a high degree of integrity, strong work ethic, knowledge of bank products and services while working as a team and promoting togetherness and a supportive culture.

Duties and Responsibilities:

• Responsible for loan files from any or all points including loan processing, loan documentation preparation, pre-boarding data entry, loan documentation review, loan closing, call backs, and/or tickler/file maintenance.
• Prepare new loan, renewal and modification legal documents for consumer and commercial loans in LaserPro.
• Review booked loans for accuracy and assist with the internal/external audit requests.
• Organize Loan documentation, work with lenders, applicants, underwriters, and others to complete processing.
• Execute closing actions to ensure a timely and effective closing process.
• Maintain a positive relationship with the borrower, Loan Officer, and Title Company and be able to request and obtain specified and required documents for closing.
• Work with title to obtain Prelim/Title Policies and Proformas to order proper endorsements and requirements to clear items to secure collateral position.
• Prepare a needs list consisting of outstanding items needed to submit a file for underwriting.
• Create a file for all borrower information, financials etc.
• Gather and review information provided by the borrower.
• Review credit report and all other 3rd party reports.
• File UCC’s per various UCC requirements.
• Point of contact for BDO’s, Customers, Title and Escrow Officers.
• Follow up on outstanding entity requirements and understand entity documents to identify authorized signors for loan documents.
• May work with internal partners to reconcile GL and other accounts.
• May interact with outside service providers or government agencies.
• Review, understand, and adhere to bank Human Resources, Information Technology, Credit, and other related policies and procedures.
• Maintain a working knowledge of banking, regulatory requirements, lending products, and credit.
• Other duties as assigned.

Education, Skills, And Experience Requirements:

• Bachelor's Degree or minimum of 4 years related bank operations experience.
• 2 years working in loan processing and/or servicing.
• Baseline knowledge of financial theories and concepts in applicable discipline, accounting, finance, and cash flow familiarity
• Working knowledge of various types of loans.
• Working knowledge of entity structures, organizational documentation, and state filing requirements.
• Strong analysis, research and verbal and written communication skills.
• Must be detail oriented.
• Microsoft office suite (Word, Excel, Outlook, PowerPoint) proficiency.
• FISERV experience a plus.
• LaserPro experience a plus.
• Team player with positive attitude and willing to grow and learn.

APPLY NOW Please attach your resume and include any additional information you would like to be considered

Branch Services Representative

Status: Exempt, Full-time

Pay Rate: Commensurate with experience

Reports to: Branch Manager

Locations: Encinitas, San Marcos

Job Summary:

Reporting to the Branch Manager, the Branch Services Representative is responsible for performing a variety of duties with limited supervision. These duties include responding to customer inquiries and requests, resolving complex customer issues, high volume cash handling, operates a cash drawer daily, processes various types of transactions and complies with all bank policies and procedures including service, attendance, and teller standards. Opening new accounts and proper call-back processes, processing account changes/supersedes as well as operations certification responsibilities are expectations of this position.

Duties and Responsibilities:

• The Branch Services Representative represents the frontline of the bank and expands customer relationships by providing prompt and exceptional service to customers, both internal and external.
• Independently responds to and assists customers with inquiries and requests, from basic to complex.
• Ensures understanding of and adherence to bank policies and procedures, including service, attendance and teller standards, and regulatory requirements.
• Maintains the highest level of confidentiality with customer and bank information.
• Accurately processes all teller transactions which includes over the counter, night drop, courier, preparing & verifying cash orders and mail.
• Assists customers with requests such as (not all inclusive): funds transfers, stop payments, bank products and associated services charges, balance inquiries, on-line banking, interest rate inquiries, Debit card issues, check orders, loan payments, providing cashier’s checks, safe deposit access and will accept and assist in processing wire transfer requests.
• Assist management with daily reports and the preparation of daily, weekly, and monthly reporting as assigned.
• Support branch certifications processes as duties are assigned.
• Complies with bank operations and security procedures and participates in all dual-control functions. Safety and security is always a priority.
• Assists in ordering, receiving, verifying and distributing cash.
• Communicates training or service concerns to the Branch Manager.
• May assume a limited leadership role in the absence of the Branch Manager.
• Assists and supports management to ensure adequate control over branch assets.
• Understands and observes branch leadership protocols.
• The Senior Teller will be knowledgeable in all aspects of opening and servicing of the new account (personal & business entity) and supersede process including regulatory requirements, gathering of proper documentation, and the customer CIP, CDD and Beneficial Ownership processes, as applicable. Is familiar with and cross sells products and services as needs and opportunities are recognized.
• Demonstrate knowledge of, adherence to, monitoring and responsibility for compliance with state and federal laws and regulations affecting the financial services industry as they pertain to this position including but not limited to the following: Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Customer Privacy requirements, Regulation D (Interest on Deposits), Regulation CC (Expedited Funds Availability Act), Regulation DD (Truth in Savings Act), Regulation E (Electronic Funds Transfers Act), Right to Financial Privacy Act, Identity Theft requirements, Unfair and Deceptive Acts or Practices (UDAP), protecting customer Privacy and the Community Reinvestment Act.
• May have branch opening and closing responsibilities.
• Will perform other duties as assigned.

Education, Skills, And Experience Requirements:

• High School Graduate or equivalent, college degree preferred.
• 2-4 years previous branch operations experience in a commercial bank environment. Prior banking experience should include high volume cash handling and a thorough knowledge of new accounts documentation.
• Must have effective verbal, written and listening communication skills. Knowledge of banking regulations. Good math, reading and comprehension skills. Ability to work under pressure in a fast-paced environment and the ability to multi-task as necessary. Knowledge of office methods, procedures and practices including the use of standard office and teller equipment. Team Work Qualities. May require lifting up to 25lbs.
• Must be detail oriented.
• Microsoft office suite (Word, Excel, Outlook, PowerPoint) proficiency. 
• Team player with positive attitude.
• FISERV platform. knowledge a plus.

APPLY NOW  Please attach your resume and include any additional information you would like to be considered

Central Operations Administrator

Status: Exempt, Full-time

Pay Rate: Commensurate with experience

Reports to: SVP Retail Banking Manager

Locations: Riverside

Job Summary:

The Central Operations Administrator is responsible for the administration of the Bank's central operations function including Wire Transfers, ACH, RDC and related products and services. Position oversees the Bank's participation in the Federal Reserve Communications System, which enables the creation and transmission of payment messages, account balance monitoring, and other related fiduciary and funds transfer functions. Works closely with vendors, management and regulatory authorities regarding funds transfer policy, compliance, physical and logical security, contingency plans, and overall systems administration. Contributes to the Bank's deposit growth strategies and goals; generates additional revenue from corporate based wire transfer products and services; attains established individual, department and Bank goals. Investigates and researches disputes, suspicious or fraudulent issues in accordance with state and federal regulations. Performs direct supervisory duties of department staff (currently 3 individuals) and coordinates staff for coverage in all related areas. The individual facilitates communication between several business units for research and resolution purposes, branch staff for direction and escalation, and interacts with clients consistent with the daily and strategic activities of Bank Operations.

Oversee: Exception Item Processing, including, but not limited to Non-Post, Stop Pay Suspects, NSF, and Overdrafts; Legal Processing (Levies and Subpoenas); Reg CC Reviews; Reg D functions; Reg E claims, research, and resolution; Adjustments, Collections, Chargebacks, EFT Processing, GL Balancing and Certification, Periodic processing, Inactive, Dormant, and Escheatment, IOLTA processing, Negotiable Instruments, Cash Vault processing; Debit card processing; mail processing; ACH processing RDFI/ODFI; Wire Department Functions; Daily/Weekly/Monthly/Semi-Annual/Annual Call Back and Certifications; Reclamations; Check Fraud Review; Manage ACH Manager, Wire Manager, RDC and Mobile Deposit Portfolios and Annual Reviews thereof.

Duties and Responsibilities:

• Manages and provides day-to-day coordination for Bank’s Operations and Wire Department. Supervises and evaluates workflow to ensure high level of customer service, accuracy and meeting time deadlines.
• Provide services which will include escheatment, non-post items, ACH support, transit adjustment, research, branch settlement, collections, attachments, levies, subpoenas, certifications etc.
• Assists and supports all areas of Operations; provides technical and general support to Operations Managers and Bank personnel.
• SCO/RDC and Mobile Deposit processes and review.
• Keep informed on new developments and ideas related to Bank Operations. Exercise control over operations area and establishes goals and objectives.
• Guide the formulation, implementation and coordination of operations policies, procedures, risk assessments, and activities within the Department.
• Maintain proper operational controls & standards, which will avoid unnecessary risks and undue exposure; increase profitability and minimize financial loss.
• Develop and communicate Bank policies, procedures and regulations to Bank personnel and ensure compliance and the correction of any deviations.
• Perform multiple operations functions in support of the Bank Operations and Wire Department.
• Within established guidelines, orders, reconciles, clears outstanding balances, and responds to inquiries relating to Cash Logistics and Correspondent Bank Accounting. Prepares specific reports for Management & Board review.
• Bank Operations Certification-conduct and review to ensure accuracy and balancing with proper supporting documentation.
• Maintain knowledge of Bank policies, procedures, and regulations.
• Performs human resources activities related to central operations staff, including scheduling (general, vacation, holiday coverage, sick), hiring, coaching, performance management, pay decisions and employee terminations. Supports the allocation and rotation of staff assignments to ensure employees consistently perform service and other activities. Monitors the daily activities of the team including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training.
• Achieve individual and departmental objectives: Establish and manage priorities to ensure the effective and efficient accomplishment of departmental responsibilities.
• Ensure that audit reviews are rated at above average or better, take corrective action as necessary when audit standards are not being attained.
• Monitor status of Online Interfaces to ensure all communications lines are functional and resolve any problems with appropriate vendors.
• Handles internal/external telephone calls.

Education, Skills, And Experience Requirements:

• College degree in general business, finance or accounting preferred but not mandatory.
• 7+ years previous banking and management experience, including multiple years in central operations function, Certification preferred (AAP, APRP, NCP Credentials a plus).
• Strong knowledge of Payment Processes.
• Strong interpersonal communication skills.
• Demonstrated ability to work in a team-oriented environment and on a collaborative basis.
• Demonstrated ability to manage high-volume workflow.
• Desire to work in a dynamic and challenging environment characterized by sometimes changing priorities and short-term deadlines.
• Experience in a fast, accurate deadline oriented environment.
• Microsoft office suite (Word, Excel, Outlook, PowerPoint) proficiency.
• Team player with positive attitude.
• Fiserv experience a plus.

APPLY NOW  Please attach your resume and include any additional information you would like to be considered

Branch Manager - Nashville, Tennessee

Status: Exempt, Full-time

Pay Rate: Commensurate with experience

Reports to: Branch Operations Manager

Locations: Nashville, Tennessee

C3bank NA, a premier business and commercial real estate bank located in Encinitas, CA with over $750 million in assets seeking a Branch Manager for Nashville, Tennessee location. Our culture is built on a foundation of customer service as we Connect stories, Create the future, and Cultivate relationships. Internally our employees strive to support our customers through a high degree of integrity, strong work ethic, knowledge of bank products and services while working as a team and promoting togetherness and a supportive culture. C3bank fosters a great working culture for employees to grow and flourish.

Job Summary:

Under the direction of the Branch Operations Manager, the Nashville Branch Manager is responsible for ensuring branch operational activities run smoothly and efficiently; provides leadership, training, and supervision within the branch; promotes the corporate culture through coaching, guidance, and staff motivation. Assumes responsibility for branch compliance and adherence to bank policies and procedures and conforms to Regulatory and State Banking Regulations.

Duties and Responsibilities:

• Responsible for contributing to the overall profitability of the bank by providing excellent customer service, maintaining existing customer base, identifying new business/client relationship opportunities, identifying, developing, and implementing strategies to improve productivity and operational efficiencies, mitigating controllable operations losses and by controlling office expenses.
• Manage branch growth through ongoing knowledge and training of products and services offered by C3bank and by coaching staff to cross sell bank products and services. Encourage staff referrals for Treasury Management Services, online banking, merchant bankcard services and other bank products and services to meet customer needs.
• Oversee bank policy and procedures are followed to ensure the safety and security of the branch office, including but not limited to, following prescribed opening and closing procedures, reviewing and adhering to signing authority limits, and maintaining control of keys, combinations and alarm codes.
• Responsible for branch cash administration, including but not limited to, providing tellers with appropriate cash limits, daily office cash balancing, ensuring the branch cash limits are not exceeded and proper approvals garnered if cash limits are exceeded, cash ordering, cash shipments, random checking teller cash drawers to ensure adherence to assigned limits, researching teller cash differences and customer cash orders. Review Daily Management Dashboard and process daily reports, including but not limited to, NSF transactions, large currency transactions, non-posted transactions, statement of condition, deficit balance, controlled accounts, new accounts, account maintenance and closed accounts.
• Review and approve large transactions, securing proper authority from Sr. Management for those over individual authorized limits.
• Complete branch certifications, in conjunction with the compliance calendar and certification checklist, ensuring that OCC and State regulatory requirements are met.
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal laws and regulations affecting the financial services industry as they pertain to this position including but not limited to the following: Regulation Z (Truth in Lending Act),Regulation B (Equal Credit Opportunity Act),Fair Credit Reporting Act, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Customer Privacy requirements, Regulation D (Interest on Deposits), Regulation CC (Expedited Funds Availability Act), Regulation DD (Truth in Savings Act), Regulation E (Electronic Funds Transfers Act), UDAAP, Reg. GG, SCRA, Cyber-Security awareness, Right to Financial Privacy Act (State & Federal), Identity Theft requirements, protecting customer Privacy and the Community Reinvestment Act.
• Supervise the retail operations staff by providing day-to-day coaching, conducting periodic verbal reviews and annual performance evaluations to ensure continued career growth. This supervision will also include ensuring the bank’s balancing and attendance standards are met, providing verbal and written disciplinary action when warranted. Review of staff time sheets to ensure that hours worked are recorded correctly and overtime expenses are monitored and controlled.
• Provide training for new branch staff and coaching and cross-training for existing staff in collateral operations duties for continued career growth. Ensure that branch staff complete assigned online compliance training courses, allowing them time to complete the required courses during the business day.
• Conduct regular monthly meetings with branch office staff, which includes training in conjunction with the monthly branch certification requirements.
• Attend periodic Branch Manager Meetings; strategic planning, compliance, and operations meetings as required. Provide input to these meetings relative to the Branch Manager’s areas of expertise.
• Attend community events as required to promote the bank brand and its services.
• Work with Regional Banking Manager, Relationship Managers and Chief Banking Officer to facilitate new business relationships, boarding of new accounts and maintenance of accounts.
• Other miscellaneous duties as assigned.

Education, Skills, And Experience Requirements:

• At least 5-7 years of manager experience with minimum two years (4 yrs.) leadership/ supervisory responsibility.
• College degree preferred, but not mandatory.
• Demonstrated interpersonal skills, teamwork orientation and sensitivity to cultural diversity.
• Good written & verbal communication skills.
• Willingness to work flexible hours, including evenings and weekends when warranted by time constraints.
• Strong knowledge of sales, branch banking services and products (i.e., deposits, cash management, treasury management and other products).
• Familiarity with legal aspects of bank operations and personnel.
• Desire to work in a dynamic and challenging environment characterized by sometimes changing priorities, high volume workflow and short-term deadlines all while maintaining a team oriented positive attitude.
• Able to be a collaborative partner with other bank areas and business lines as required.
• Microsoft office suite (Word, Excel, Outlook, PowerPoint) proficiency.
• Fiserv experience a plus.
• Ability to work with little to no supervision while performing duties.

APPLY NOW  Please attach your resume and include any additional information you would like to be considered