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Careers at Royal Business Bank
An EEO and E-Verify Employer

Careers at

Royal Business Bank

An EEO and E-Verify Employer


Please send resume to:


Royal Business Bank

123 E. Valley Blvd., #201

San Gabriel, CA  91776

Attn:  Human Resources

- or -


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Open Positions - California




Commercial Loan Underwriter – Los Angeles, CA


Job Responsibilities

Process all new commercial loan applications, gather and review borrower’s submitted financials and documents.

Prepare CCM/CCR on new loans, extensions and modifications.

Review appraisal and analyze collateral issue – conduct site inspection.

Prepare and review Commercial Loan commitments

Conduct require loan reviews (annual credit review, watch list report and SAC)

Serve as portfolio manager on existing relationships

Prepare and submit Reg B/HMDA/Credit logs

Participate in audits as necessary



Bachelor’s degree or equivalent in accounting, finance, economics, international development studies.


2-4 years of experience with CRE/commercial underwriting (various asset classes

CRE and C&I/SBA experience preferred

Relationship/Portfolio management experience preferred


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 BA/BS in Finance/Accounting/Economics.
Proficiency with Microsoft Word and Excel

Strong analytical skills

Familiarity with Sageworks is a plus



Mortgage Quality Control Specialist – Los Angeles, CA

Job Responsibilities

Perform pre-funding, post-funding and mortgage compliance reviews

Assist Mortgage Loan Post Closing Quality Control Manager in the preparation of reports and detailing finding from prefunding and post-funding reviews.

Prepare of weekly reports including action plan, pipeline report, mistake report, pending item report, paid in full report to inform managers up to date.

Work with Loan Post Closing Quality Control Manager to develop, recommend and monitor corrective action and preventative actions

Keep abreast of investor and regulatory changes and ensure awareness by production operations

Investigate potential fraud reports for the lending area and fill Suspicious Activity Reports ( SAR ) with the Bank Secrecy Act (BSA) for further follow up

Conduct QC checks on the closed loans in accordance with Board guidance

Assist the QC & Compliance Manager with reviewing and submitting the Home Mortgage Disclosure Act (HMDA) reports.

Perform all job duties in compliance with applicable State and Federal laws and regulations

Any other duties and projects as assigned.



Bachelor’s degree in finance, economics, or equivalent experience


Minimum 3 years of mortgage experience;

Exposure to all aspects of origination, servicing secondary marketing and mortgage compliance areas preferred


Familiarity with internal audit policy and procedures.
Strong interpersonal skills, including the ability to interact and work respectfully and cooperatively with other.
Excellent computer skills using Microsoft Office programs and various mortgage industry related software programs.
Demonstrated analytical skills.
Must be able to function independently and still successfully work in a team environment.
Well organized, efficient, and a self-starter with ability to work under deadlines.


Encompass Administrator – Los Angeles, CA


Job Responsibilities

Maintain Encompass LOS and related Ellie Mae systems to ensure continued efficient RMLU operations and loan processes.

Work with the residential loan team and outside vendors to understand business processes and functions.

Seek areas of opportunity for process-flow improvement in system functionality and workflow.

Convert business requirements to system design.

Manage implementing changes, including testing and gather user feedback to ensure proposed solutions work as intended.

Maintain Encompass specifications and settings and adjust to meet business needs.

Strong problem solving abilities to understand, interpret, troubleshoot and resolve issues relating to system and LOS functionality.

Research changes and manage periodic system enhancements in upcoming versions of Encompass, informing users of impact and document test results.

Maintain user access to the system.



High school diploma or equivalent


Experience with Ellie Mae Encompass Administration or similar LOS administration.
Mortgage industry experience with a solid understanding of a typical mortgage process.


Expert knowledge of MS Office programs

High attention to details and strong follow-through skills

Ability to thrive in a fast-paced work environment

Strong interpersonal and communication skills


Risk Management Assistant – Los Angeles, CA

Job Responsibilities

Coordinates an audit entrance & exit meeting, contacts & coordinates auditors for the Board Audit Committee meeting

Monitors the audit schedule, tracking logs for external & internal audit, SOX audit and regulatory examination, follow up with the business units response from the tracking logs

Prepares the reports for Board Audit Committee

Updates, reviews and tracks the Vendor Management due diligence, contract, license etc

Assists CRO for the Risk Assessment related to Audit, Vendor and Enterprise Risk Management

Monitors, tracks and reviews the monthly/quarterly/semi-annually/annually compliance certification from branches and business units, to ensure the compliance certifications are completed with validated information, report to supervisor any deficiency from compliance certification.

Assists in projects related to the Bank’s compliance obligations functions.

Prepares reports by collecting, analyzing and summarizing information for compliance monitoring review such as HMDA, Reg B loan tracking log, flood insurance tickler log and mortgage lending compliance etc.

Completes department administrative duties

Performs other duties as assigned.


Bachelor’s Degree



Administrative experience required.
Knowledge of compliance regulation is preferred.



Excellent analytical, research, project management, and planning skills

PC proficient

Organized and detail-oriented; strong written and verbal communication skills.

Good knowledge of banking operations


Wire Operations Specialist – Los Angeles, CA

Job Responsibilities

Manage outgoing wire transfer requests made by related departments

Perform various security related tasks such as verifications and confirmations to validate the authenticity of outgoing wire transfers

Ensure all outgoing wires are processed accurately with proper procedures and controls

Prepare and ensure all wires have been properly authorized by working and communicating with other departments

Responsible for end of day reconciliation to ensure all wires were posted accurately and affirm the wire log balances are correct

Monitor the status of wire transfers throughout the business day to ensure daily deadlines are met

Identify and escalate non-routine transactions and exceptions to eliminate potential fraud/suspicious situations

Provide support to internal departments via telephone and emails

Able to utilize wire processing platforms for processing of wires (i.e. WireXchange)

Perform all related duties as assigned within the established policies and procedures




High School Diploma



Minimum 1 year experience with a bank is highly encouraged



Good communication and verbal skills

Adequate computer and typing skills are encouraged

Able to work with little to no supervision

Able to comprehend written procedures

Good organization skills and detailed oriented

Good work attitude




Service Manager – Silver Lake Branch

Job Responsibilities

Manage the operations functions of the branch to ensure the highest level of customer service, operating efficiencies, and compliance with the Bank’s operating standards and regulatory requirements.

Manage effectively the risks associated with each customer relationship. Utilize good judgment to ensure that any potential loss situation that could adversely affect the Bank is given an adequate level of visibility with senior management

Ensure sound operating conditions in the branch by timely completion of monthly branch certifications and operational reviews.

Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs.

Meet with staff on regular basis to discuss new and existing products, service productivity and customer relations. Advise management on issues affecting customer service to ensure the timely research and resolution of problems. Identify and recommend methods to improve effectiveness, efficiency and program(s) productivity.

Provide guidance and assistance to branch staff in resolving procedural and personnel administration problems. Provide instruction and cross training on Bank procedures and banking regulations. Ensure performance evaluations of the branch’s non-officer staff are completed timely, objectively and with proper emphasis on individual development, coaching skills, customer servicing skills, and sales/referral activities.

May serve as Safety and/or Security Officer of the branch.

Perform other duties as assigned.

College degree with business classes or equivalent

Three to five years of bank branch operations experience with transaction approval authority and supervisory responsibility

Thorough knowledge of bank branch operations-related regulations and bank products

Good verbal and written communication skills

Bilingual in English and Spanish is a plus.

Senior New Account Representative – Silver Lake Branch

Job Responsibilities

Processes various new accounts transactions by ensuring proper documentation and identification; maintains existing accounts of all types and closes account as needed.

Provides quality customer services including servicing existing customers, answering inquiries, recommending solutions to customer problems, ordering checks..

Maintains files on status of accounts and prepares appropriate branch reports.

Promotes and cross-sells the Bank’s services and products.

Trains Customer Services Representative in opening new accounts and performing all new account desk functions.

Backs up supervisor duties as needed.

Performs other duties as assigned.

High school graduate or equivalent; some college business classes preferred but not mandatory.


2-3 years branch operations experience in a banking environment; thorough knowledge of Bank products and services


PC literate

Organized and detail-oriented

Strong communication skills

Bilingual (English/Mandarin) may be required


Open Positions – New York



Residential Mortgage Operations Manager – Brooklyn, NY

Job Responsibilities

Develop new, qualified customer prospects and business that fit the Bank’s risk appetite.

Perform credit assessment and preliminary underwriting of commercial loans, evaluating customer loan requests, coordinating with Underwriting to obtain and analyze due diligence materials, and make loan recommendations to management.

Maintain regular contact with borrowers to obtain required documentation and other credit administration materials and ensure access to property for inspections.

Interface with borrowers to structure and negotiate credit terms, such as loan amount, interest rate, loan term, amortization, and fees. 

Determine loan repayment methods and collateral specifications for all loans.

Develop and maintain interest rate structure to be consistent with financial institution policies, procedures, and profitability, and to be competitive with current market rates.

Regularly meet with borrowers and maintain contact logs/call reports with borrowers.

Meets with borrowers regularly and maintain contact logs/call reports with borrowers.

Assist Underwriting, Credit Risk Management, Closing, and Loan Servicing departments in determining circumstances of borrower default and viability of extensions, modifications, workouts or foreclosure, and relevant credit administration matters.

Perform all job duties in compliance with applicable State and Federal laws and regulations.

Any other duties and projects as assigned.



Bachelor’s degree in business, finance or related field.

Bilingual Chinese/English required.

Three to five years of commercial lending experience, preferably in a financial institution setting.

Extensive knowledge of commercial estate lending policies and procedures and practices.

Familiarity with real estate market served by Bank.

Strong customer relationship and business development skills.

Good managerial, communication and sales skills.

High ethics.

Strong customer service orientation and commitment to providing “WOW!” service to our internal and external customers.

Strong interpersonal skills, including the ability to interact and work respectfully and cooperatively with others.

Strong communication skills, including the ability to listen, speak and write clearly and concisely, and focus on the recipient’s point of view.

Commitment to lifelong learning.





Commercial Loan Closer – Brooklyn, NY


Job Responsibilities

Prepare commercial loan commitments upon approval and follow up with the loan officer for return and execution

Engage Bank Counsel for loan closing and consult with the Bank Attorney for specific verbiage on loan documents and follow up on relevant issues (title and violations).

Review commercial property insurance to ensure it complies with bank guidelines.

Prepare loan funding/closing instructions inclusive of escrow analysis and funding instructions to Loan Servicing

Review fees collected and conduct loan reconciliation to Finance Department.

Conduct QC checklist and review Bank Attorney CD/Black book.

Management pipeline report and back up HMDA/Reg B log submission



Bachelor’s degree or equivalent in accounting, finance, economics, international development studies.

Loan closing experience and familiarity with mortgage loan legal documentation in NY and NJ region
Commercial loan experience preferred but will consider candidates who have loan processing, loan relationship and general real estate legal experience


Must be a self-starter with the ability to multi-task, detail-oriented and adhere to strict timing deadlines associated with loan closing.
Must be able to review legal real estate/commercial loan documents and interface with attorneys, title companies, loan servicing to close loans.
Proficiency with Microsoft Word and Excel
Familiarity with Sageworks is a plus


Credit Analyst - Brooklyn, NY

Job Responsibilities

Analyze customers’ overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information;

Advise customers or respond to inquiries about financial matters;

Create debt management plans, spending plans, or budgets to assist customers to meet financial goals;

Analyze customers’ financial status, credit, and property evaluations to determine feasibility of granting loans;

Maintain or update records of customer account activity, including financial transactions;

Estimate time for debt repayment given amount of debt, interest rates, and available funds;

Prepare written documents to establish contracts with or communicate financial recommendations to customers;

Perform other duties as assigned.




Bachelor’s degree or equivalent in accounting, finance, economics, international development studies.



2-3 banking experience, preferred



Strong analytical and underwriting skills;

Attention to detail with data and numbers
PC proficient in Word and Excel;
Excellent verbal and written communication skills;




Part Time
Flushing Center Branch – 40-48 Main Street. Flushing, NY 11354

Full Time
59th Street Branch - 5902 8th Ave. Brooklyn, NY 11220


Job Responsibilities

Receive checks and cash for deposit; verify amounts and examine checks for endorsement.
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, Money Orders, Travelers Checks and other monetary instruments.
Process Treasury, Tax and Loan payments.

Process outgoing wire.

Process return items.

Notify customers of incoming wire.

Handle Safe Deposit customer.

Assist with daily call-backs.

Performs other duties as assigned.




High school diploma or equivalent.



Cash handling, customer service, and general office experience helpful.



PC literate; typing; proficient in math; organized and detail-oriented; strong communication skills; bilingual may be required.


Royal Business Bank is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.


Updated 1/27/2020