Grow Your Career at Royal Business Bank

• Assist Controller in month-end closing, including daily monitoring subledger balancing, non-post, and in-process general ledgers and preparing journal entries.
• Review accounts payable transactions for payment remittance and assist AP supervisor monitoring missing regular recurring payments.
• Assist Controller in preparing monthly/quarterly variance/flux analysis.
• Review and maintain fixed asset and prepaid system, reconciling against general ledger.
• Prepare and maintain lease accounting journal entries, schedules and related reports in coordination with the IT and facilities department.
• Prepare bi-weekly payroll journal entry reconciliation to payroll system reports.
• Prepare various month-end suspense, general ledger and bank control accounts reconciliations/certifications.
• Prepare accounting schedules to support the consolidated financial statements and notes to consolidated financial statements for SEC filing, FDIC/FRB regulatory filing, and forecasting and budgeting process as needed.
• Work with all outside auditors, regulators, and consultants as needed.
• Perform other duties as assigned.

• Strong excel/spreadsheet and PC skills.
• ITI/Fiserv and Prologue experience a plus.
• Profitstar and AVID accounting system experience a plus.
• Strong verbal and written communication skills.
• Bilingual (English/Mandarin) is a plus.
• Ability to effectively present information to management, auditors and regulators and respond to questions from same.
• Use sound judgment in making day-to-day decisions with minimum guidance.

Salary: $ 75,000/yr – $ 90,000/yr

• Manage all aspects of the Company’s SEC reporting function and other financial reporting as assigned.  Ensure accurate and timely financial reporting in accordance with GAAP, SEC and regulatory requirements and effective internal controls over financial reporting.
• Preparation and review of Quarterly and annual SEC reports, including 10-Q, 10-K, 8-Ks and Proxy, earnings release and investor presentations.
• Prepare and review supporting worksheets for SEC financial reporting ensuring completeness and accuracy
• Ensure accuracy and integrity of financial reports through review and analysis of financial data and review XBRL tagging of financial statements and footnotes
• Prepare disclosure committee meeting materials, and coordinate effective SEC reporting calendar and deliverables
• Serve as central point of contact for SOX program deliverables related to SEC reporting.
• Ongoing monitoring and interpretation of new SEC/GAAP and Regulatory pronouncements; prepare memos on the impact to the Company and assist with implementing accounting and reporting treatment.
• Identify areas of improvement in financial reporting processes and implement solutions to increase efficiency and accuracy
• Communicate with external and internal auditors, regulators, and consultants regarding financial reporting matters.
• Subject matter expert on financial reporting matters and provide guidance and support to other teams as needed
• Continuously monitor and review financial reporting processes to identify and mitigate any potential risks
• Provide direct support on various special projects.

• Demonstrate strong attention to detail and accuracy and the ability to execute and follow through to completion and documentation.
• Strong excel/spreadsheet, MS word, PC and written communication skills required.
• General ledger systems experience a plus.
• Ability to effectively present accurate and concise information to management, auditors and regulators and respond to questions from same.
• Effectively use and manage the SEC reporting platform including coordinating with external vendor required.
• Use sound judgment in making day-to-day decisions.
•  Strong team leader and ability to work without close supervision.
• Ability to coordinate and evaluate internal controls to identify weaknesses and improve upon processes for SOX Program.

$ 120,000/yr – $ 170,000/yr

• Troubleshoot and restore routine technical service and equipment problems by analyzing, identifying and diagnosing faults and symptoms using established processes and procedures.
• Perform root cause analysis and develop checklists for typical problems.
• Recommend procedures and controls for problem prevention.
• Maintain knowledge database and call tracking database to enhance quality of problem resolutions.
• Work in a team setting, sharing information and assisting others with calls.
• May coach more junior technical staff.
• Responsible for maintenance of computer hardware, software and network.
• Responsible for installation of computer hardware and software.
• Helps maintain inventories of the Bank’s users, hardware, and software.
• Performs other duties as assigned.

Good customer service and communication skills; detail-oriented; good time management and problem solving/troubleshooting skills.

$ 45,000/yr – $ 60,000/yr

• Receive checks and cash for deposit; verify amounts and examine checks for endorsement and any errors.
• Enter deposits and issue receipts.
• Cash checks and pay out money upon verification of signatures and customer balances.
• Place holds on accounts for uncollected funds.
• Sell Cashier’s checks and other monetary instruments.
• Process Loan payments.
• Process outgoing wire.
• Process return items.
• Notify customers of incoming wires.
• Properly handle Safe Deposit customer.
• Assist with daily call-backs.
• Performs other duties as assigned.

• PC literate.
• Typing.
• Proficient in math.
• Organized and detail oriented.
• Strong communication skills.
• Bilingual may be required.

$ 39,520/yr – $ 43,680/yr

• Organize, direct and administer the service and sales activities of the branch through management of all branch personnel.
• Manage the sales function by developing sales and marketing plans specific to local markets, to meet deposit and other performance goal.
• Participate and implement business development programs for Bank products using various techniques including but not limit generate sales leads, calls to existing customers to maintain and expand banking relationships, and calls to prospective clients to develop new business.
• Meet regularly with branch staffs to ensure that all opportunities for selling and cross selling Bank products and services are pursued.
• Oversee operational and risk management activities of the branch to ensure the highest level of customer service, operating efficiencies, and compliance with the Bank’s operating standards and regulatory requirements, such as BSA and CRA.
• Adhere to branch budget. Monitor and control expenses on an ongoing basis. Develop forecast and financial objectives.
• Actively participate in various civic, social and community affairs to enhance the Bank’s image and promote positive community relations.
• Maintain up-to-date knowledge on all Bank products and services and ensure that training and assistance is provided to develop and enhance branch staff’s knowledge.
• Maintain a highly motivated and qualified branch staff through the selection, placement, training, counseling and promotion of people to achieve optimum organizational performance.
• Team up with or report to Regional Manager or other bank managers for business development, staffing and other branch management matters, when deemed necessary or appropriate.
• Handle complex customer inquiries.
• Perform other duties as assigned.
• Perform Performance Appraisals, Disciplinary Actions and interview candidates.
• Responsible for all branch approvals within limits set by the bank, which includes and not limited to deposits, withdrawals, wires, monthly certifications, “Teller Overrides”, Daily NSF Reports, Employee’s time and any other process where an approval by the Branch Manager is required.

• Comprehensive knowledge of all phases of branch management including banking regulations and compliance.
• Customer service, sales, operations and risk management, proven abilities in business development and banking management.
• Excellent verbal and written communication skills.
• Bilingual may be required.

$ 80,000/yr – $ 100,000/yr

• Perform EDD reviews by analyzing transactional data, conducting research, documenting evidence, and identifying potential money laundering activities in accordance with the BSA/AML/OFAC monitoring policy.
• Review KYC/CDD documentation to ensure accuracy, completeness, and consistency in accordance with internal policies and regulatory requirements.
• Support the identification of potential money laundering indicators during EDD reviews and escalate relevant cases to the Suspicious Activity Report (SAR) Team in accordance with regulatory timeframes and internal policies and procedures.
• Ensure all records and documents are maintained in an organized manner and according to legally prescribed retention schedules.
• Facilitate effective communication and collaboration with branch personnel and cross-functional departments to ensure timely resolution of compliance-related inquiries.
• Maintain tracking of monthly pending items and statistics in the BSA/AML Dept.
• Participate in system and workflow tuning exercises to enhance the effectiveness of the monitoring system and department processes.
• Provide effective and accurate compliance support to the Bank’s business and operating units in connection with BSA/AML/OFAC matters.
• Stay informed of emerging trends, regulatory updates, and enforcement priorities related to AML/CFT including guidance from FinCEN, FATF, and other domestic and international regulatory bodies.
• Assist in providing training and support as needed.
• Perform additional responsibilities as assigned, which may include supporting cross-functional workflows from teams such as the SAR Team, Transaction Monitoring Team, OFAC Team, and/or the BSA QC Team.

Excellent analytical, research, project management, and planning skills, PC proficient, Organized and detail-oriented, Strong written and verbal communication skills. Knowledge of BSA/AML, USA PATRIOT Act, OFAC laws and regulations, and CTR and SAR reporting requirements.

$ 70,304/yr – $78,000/yr

• Evaluate and assess risk factors for commercial loan applicants.
• Ensure compliance with underwriting polices and procedures.
• Prepare CCR/CCM/Memo for new, renewal, modification and extension.
• Make recommendations for approval from the Credit Officer, Chief Credit Officer, and CEO, and may require presenting at loan committee base on the bank’s lending authority level approval limit.
• Process all new commercial loan applications, gather and review borrower’s submitted financials and documents.
• For real estate transactions, review property operating statements, leases, rent rolls, real estate schedules to perform detailed cash flow analysis using Cash Flow Analysis templates and Sageworks System. Performs stress testing scenarios on all the floating interest rate.
• For C&I transactions, review cash flow cycles, conduct sensitivity analysis, evaluate Borrower’s cash flow and their ability to provide adequate debt coverage for the proposed transactions, as well as determine cushions of protections. Analyze the industry outlook and risk assessment.
• Complete risk ratings as mean to proactively mitigate potential risk associated with each asset within the portfolio. Underwriter has to have good understanding of the Bank’s policy and procedure, and is able to accurately assign the risk rating on each loan.
• Collaborative with Portfolio Managements to conduct routine annual loan reviews.
• Work with Marketing Officer to ensure receipt timely financial statements, aging reports, tax returns, and personal financial statements, and then analyze these often-complex personal financial statements and personal tax returns of sponsors/guarantors, as well as their contingent debt.
• Attend prospect calls with lending staff in order to gain a thorough understanding of the member/prospect and their business in order to determine the merits of specific loan requests and loan structure, as well as assist in the management of the member relationship.
• Review appraisal and analyze collateral issue – conduct site inspection.
• Conduct require loan reviews (annual credit review, watch list report and SAC).
• Prepare and submit Reg B/HMDA/Credit logs.
• Participate in audits as necessary.

Strong oral communication and writing skills for report analysis and presentation. Must be able to interface with external clients, auditors, regulators, and executive management. Must be versatile with willingness to learn. Require BA/BS in Finance/Accounting/Economics. Proficiency with Microsoft Word and Excel. Strong Analytical Skills. Familiarity with Sageworks.

$ 75,000/yr – $85,000/yr

• Identify and develop qualified prospects for SBA loan products through self-originations and outside sources such as SBA-focused loan brokers, professional service providers, and other relevant business or community organizations.
• Achieve assigned loan production goals for SBA 7a, 504, and any other U.S. SBA or other government guaranteed/sponsored programs that Bank wants to pursue.
• Interview prospective loan applicants to determine SBA eligibility and structure loan requests accordingly.
• Obtain and analyze financials and other relevant documentation needed for the generation of a pre-discussion term sheet for internal review and comments, including negotiating with prospects/customers on proposed terms and conditions.
• Work closely with underwriters and closers to ensure the smooth processing of loan origination.
• Participate in Bank conference calls and meetings with management as needed.
• Comply with Bank policies and procedures
• Promote and cross sell the Bank’s services and products.
• Perform other duties as assigned.

PC literate in MS Word and Excel; thorough accounting concepts; strong verbal and written communication skills; organized and detail-oriented with the ability to function in a team environment; bilingual may be required.

$ 100,000/yr – $150,000/yr

• Responsible for business development from retail clients (bank branches/real estate companies and other sources) and mortgage brokers (Wholesale Lending) to generate new mortgage loans.
• Respond to customer inquiries and referrals that are generated from own contacts and from other business channels.
• Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
• Provide complete loan applications to processing personnel.
• Ensure exceptional customer service by overseeing loan process from origination to close and providing on-going communication to customers and business partners.
• Coordinate and review loan documentation for loan closing.
• Assist manager in implementing business plan and marketing strategy to achieve the Bank’s financial objectives and CRA goals.
• Cross sell other bank products and services.
• Provides leadership, training and support to less experienced staff members in the department.
• Perform other duties as assigned.

• Extensive knowledge of mortgage loan and government lending guidelines.
• Strong business development skills.
• PC proficient in Word and Excel and Encompass.
• Excellent verbal and written communication skills.
• Bilingual in Mandarin may be preferred.

$ 2,000 base salary/month plus commission

• Identify, develop and maintain a quality network of business relationships. Originate and generate new mortgage loans.
• Respond to customer inquiries and referrals that are generated from own contacts and from other business channels.
• Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
• Provide complete loan applications to processing personnel.
• Ensure exceptional customer service by overseeing loan process from origination to close and providing on-going communication to customers and business partners.
• Coordinate and review loan documentation for loan closing.
• Assist manager in implementing business plan and marketing strategy to achieve the Bank’s financial objectives and CRA goals.
• Cross sell other bank products and services.
• Provides leadership, training and support to less experienced staff members in the department.
• Perform other duties as assigned.

• Extensive knowledge of mortgage loan and government lending guidelines.
• Strong business development skills.
• PC proficient in Word and Excel.
• Excellent verbal and written communication skills.
• Bilingual in Mandarin is required.

Salary: $ 2,000 base salary/month plus commission