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

Career 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

 

Open Positions - California

NON-OFFICER POSITIONS

 

Mortgage Underwriter (2) – Los Angeles, CA

Job Responsibilities:

• Perform a variety of mortgage loan documentation duties and ensure all tax, title, insurance and closing documentation are in place.
• Review appraisal to ensure accuracy and thoroughness to warrant the loan; Specify closing conditions.
• Review and ensure applicant’s income, financial statements, credit history, debt ratios and savings.
• Approve applications for closing and funding and ensure all applicable regulations are met.
• Collaborate with team members to identify potential solutions/exceptions for denied loan files.
• Provide superior customer service while maintaining knowledge of available loan products.
• Perform other duties as assigned.

Qualifications

Education: Bachelor’s degree in business or related field preferred.

Experience: Minimum 5 years of mortgage banking experience specific in underwriting; technical history with FHLMC FNMA FHA VA or equivalent mortgage products

Skills and Abilities: Strong analytical and auditing skills along with a firm gasp on math; good decision-making skills backed by relevant details and research; knowledge pertaining to mortgage regulations; excellent computer skills; customer service and communication skills; ability to handle delicate situations with diplomacy and tact.

 

Mortgage Loan Officer – Los Angeles, CA

Job Responsibilities

• 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.

Qualifications

Education: College degree preferred.

Experience: Minimum 3 years of experience in originating mortgage loans with a track record of business development.

Skills and Abilities: 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 may be required.

 

Loan Servicing Associate – Los Angeles, CA

Job Responsibilities

• Receive and field incoming customer service calls; research and resolve customer inquiries.
• Follow up to ensure customer satisfaction.
• Direct customers to other Bank specialists as required.
• Develop, implement and maintain financial institution records; ensure they are properly maintained, archived and stored securely.
• Recommend retention guidelines and schedules.
• Monitor proper handling and storage of sensitive documents and film.
• Manage proper disposal of records and documents according to established schedules.
• Manage contracts with outside vendors and service bureaus.
• Maintain and expand knowledge base of regulatory and legislative information regarding proper documentation and record retention policies and procedures and ensure Bank is in compliance.

Qualifications

Education: Associate’s degree in business, finance or related field preferred.

Experience: Two to four years of experience in financial institution lending or records management function.

Skills and Abilities: 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.

 

Credit Administration Loan Assistant– Los Angeles, CA

Job Responsibilities

• Prepare loan documents for loan officer; set up loan files and follow up with loan supporting documents.
• Prepare underwriting reports including renewals, amendments, and waivers.
• Prepare financial spreadsheets and/or covenant checklist.
• Assist customers and follow up on outstanding items.
• Prepare account profitability analysis report and various reports including problem loan and asset monitoring.
• Follow up on any loan exceptions and/or delinquencies.
• Notarize loan documents for the Bank’s customers.
• Promote and cross sell the Bank’s services and products.
• Perform other duties as assigned.

Qualifications

Education: Bachelor’s degree in accounting, finance, economics, international development studies

Experience: Experience in commercial lending is a plus.

Skills and Abilities: 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.

 

Loan Portfolio Officer – Los Angeles, CA

Job Responsibilities:

• Service credit needs of existing legacy and portfolio loan customers.
• Manage existing customer relationship and loan portfolios.
• Consult with legacy and portfolio loan customers for financial and credit analysis, validate valuations of collateral.
• Prepare amendment, waiver and extension loan requests as needed.
• Prepare loan write-ups for extension of loan as provided for in approved CCRs.
• Monitor/review existing account to detect potential problems and suspicious activities; apply problem account administration according to regulations and the Bank’s policies and procedures.
• Perform annual review of legacy and portfolio loans.
• Provides leadership, training and support to less experienced staff members in the department.
• Perform other duties as assigned.

Qualifications:

Education: Bachelor’s degree in Business Administration or Finance or equivalent.

Experience: Minimum 3 years of experience in underwriting pertinent loans.

Skills and Abilities: Strong analytical and underwriting skills; PC proficient in Word and Excel; Excellent verbal and written communication skills; Bilingual may be required.

 

Credit Administration Officer – Los Angeles, CA

Job Responsibilities

• Attend to Special Tasks or Projects as assigned by CCO and/or Deputy CCO.
• Prepare monthly Director Loan Committee package including policy updates and minutes of the meetings.
• Prepare monthly Board package (partial) to include Reg O and Policy Updates.
• Supervise Credit Administration services in the area of Reg B and Credit reports, insurance past, Good Faith Deposit Log review, reporting tickler and financial covenant set up & monitoring and monthly certifications
• Provide backup support in the following functions:
• Weekly reports for Past Due, Maturity & Insurance and NY loans portfolio.
• Appraisal Group services and appraisal reviews.
• Loan documentation and closing review and control.
• Loan Documentation preparation.
• Audit Request coordination with lending and underwriting departments
• Perform internal loan reviews on a quarterly basis.
• Perform other duties as assigned.

Qualifications

Education: BS/BA in Accounting, Finance, Business Admin or equivalent. MBA an advantage

Experience: Minimum of 3 years of experience in commercial banking and relevant job responsibility areas preferred.

Skills/Abilities: Basic Accounting skills required; Ability to establish priorities and meet deadlines and to work independently; Excellent interpersonal and communication skills; Proficient in Microsoft Office products; Familiar with LaserPro and functional in ITI loan system; Familiar with lending compliances.

 

Credit Analyst – Los Angeles, CA

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.
• Qualifications

Qualifications

Education: Bachelor's degree or equivalent in accounting, mathematics, statistics, and finance studies.

Skills and Abilities:

• Strong analytical and underwriting skills.
• PC proficient in Word and Excel.
• Excellent verbal and written communication skills.

 

Customer Service Representative (PT) – Oxnard Branch, CA

Job Responsibilities

• Supports and performs branch operations as deemed necessary by branch management, including new accounts, customer services, and teller functions.
• Provides quality customer services including servicing existing customers, answering inquiries, and recommending solutions to customer problems.
• Promotes and cross-sells the Bank’s services and products.
• Accept deposits/withdrawals, cash checks, process loan payments, tax payments, and outgoing wire transactions; process mail and night drop deposits.
• Balance cash drawer.
• Sell money order and travelers, official and gift checks.
• Verify credit rating request signatures and process accordingly.
• Answer inquiries and direct customers to the proper department for further bank services.
• File miscellaneous items and distribute daily reports.
• Promote and cross-sell Bank services and products.
• Performs other duties as assigned.

Qualifications

Education: High school diploma or equivalent; some college business classes preferred but not mandatory.

Experience: Cash handling, customer service, and general office experience will be helpful.

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

 

Customer Service Representative – Silver lake Branch, CA

Job Responsibilities

• Supports and performs branch operations as deemed necessary by branch management, including new accounts, customer services, and teller functions.
• Provides quality customer services including servicing existing customers, answering inquiries, and recommending solutions to customer problems.
• Promotes and cross-sells the Bank’s services and products.
• Accept deposits/withdrawals, cash checks, process loan payments, tax payments, and outgoing wire transactions; process mail and night drop deposits.
• Balance cash drawer.
• Sell money order and travelers, official and gift checks.
• Verify credit rating request signatures and process accordingly.
• Answer inquiries and direct customers to the proper department for further bank services.
• File miscellaneous items and distribute daily reports.
• Promote and cross-sell Bank services and products.
• Performs other duties as assigned.

Qualifications

Education: High school diploma or equivalent; some college business classes preferred but not mandatory.

Experience: Cash handling, customer service, and general office experience will be helpful.

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

 

Customer Service Representative – San Gabriel, CA

Job Responsibilities

• Supports and performs branch operations as deemed necessary by branch management, including new accounts, customer services, and teller functions.
• Provides quality customer services including servicing existing customers, answering inquiries, and recommending solutions to customer problems.
• Promotes and cross-sells the Bank’s services and products.
• Accept deposits/withdrawals, cash checks, process loan payments, tax payments, and outgoing wire transactions; process mail and night drop deposits.
• Balance cash drawer.
• Sell money order and travelers, official and gift checks.
• Verify credit rating request signatures and process accordingly.
• Answer inquiries and direct customers to the proper department for further bank services.
• File miscellaneous items and distribute daily reports.
• Promote and cross-sell Bank services and products.
• Performs other duties as assigned.

Qualifications

Education: High school diploma or equivalent; some college business classes preferred but not mandatory.

Experience: Cash handling, customer service, and general office experience will be helpful.

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

 

Customer Service Representative – Diamond Bar, CA

Job Responsibilities

• Supports and performs branch operations as deemed necessary by branch management, including new accounts, customer services, and teller functions.
• Provides quality customer services including servicing existing customers, answering inquiries, and recommending solutions to customer problems.
• Promotes and cross-sells the Bank’s services and products.
• Accept deposits/withdrawals, cash checks, process loan payments, tax payments, and outgoing wire transactions; process mail and night drop deposits.
• Balance cash drawer.
• Sell money order and travelers, official and gift checks.
• Verify credit rating request signatures and process accordingly.
• Answer inquiries and direct customers to the proper department for further bank services.
• File miscellaneous items and distribute daily reports.
• Promote and cross-sell Bank services and products.
• Performs other duties as assigned.

Qualifications

Education: High school diploma or equivalent; some college business classes preferred but not mandatory.

Experience: Cash handling, customer service, and general office experience will be helpful.

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

 

Loan Assistant – San Gabriel, CA
Job Responsibilities

• Prepare loan documents for loan officer; set up loan files and follow up with loan supporting documents.
• Prepare underwriting reports including renewals, amendments, and waivers.
• Prepare financial spreadsheets and/or covenant checklist.
• Assist customers and follow up on outstanding items.
• Prepare account profitability analysis report and various reports including problem loan and asset monitoring.
• Follow up on any loan exceptions and/or delinquencies.
• Notarize loan documents for the Bank’s customers.
• Promote and cross sell the Bank’s services and products.
• Perform other duties as assigned.

Qualifications

Education: College Degree in Accounting or Business, preferred

Experience: 1-2 years if experience in lending, preferred

Skills/Abilities: 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.

 

IT Director – Buena Park, CA

Job Responsibilities

• Supports the Bank's overall IT strategic plan through the delivery of technology solutions that meet the goals of the business.
• Directs all network operations work, including the integration of new network technologies.
• Monitors the overall enterprise-wide effectiveness and efficiency of data center technology systems and networks and in ensuring high levels of customer satisfaction are maintained.
• Ensures that the enterprise has the capability to support new technologies and maintain high levels of network performance and reliability.
• Oversees all enterprise-wide IT activities, including infrastructure and architecture, applications development, reengineering business processes, networks, outsourcing, and computer and auxiliary operations and support.
• Coordinates network/data operations, business continuance and restoration plans that isolate problems and implement pre-planned alternative routes or systems to restore service.
• Serves as the strategic interface with assigned business units for the purpose of business/IT strategy development, solution discovery, service management, risk management and relationship management.
• Develops business and technology standards and best practices for department.
• Provides strategic direction, coaches and mentors more junior department staff.
• Ensures compliance with bank policies and procedures.

Qualifications

Education: Bachelor's or Master's Degree in Computer Science, Information Systems, or other related field. Or equivalent work experience.

Experience: 10 to 15 years of IT and business/industry work experience, with at least 3 years of leadership experience in managing cross-function teams and projects, and influencing senior level management and key stakeholders.

Skills/Abilities: Knowledge of Windows 10, Windows Server, Active Directory, Networking, and VoIP phone systems. Excellent verbal and written communication skills. Able to demonstrate problem solving and decision making skills. Excellent customer service skills. Training in requirements management; certification a plus.

 

SBA Loan Closing Officer – Los Angeles, CA

Job Responsibilities

• Prepare SBA application documents and submission to SBA for approval (GP and PLP submission); Prepare SBA loan authorization
• Collects and reviews documents required for closing; Prepares and maintains credit files through to loan closing
• Works closely with escrow, title, marketing and loan administration personnel to ensure timely and efficient loan closing and post-funding follow-up
• Assists in operational duties of the department, including secondary market sales and packaging; tickler maintenance and payment of referral fees and associates vendors, i.e. appraisal, environmental and title fees, etc.
• Prepares various monthly reports
• Interacts with customers to assist in collecting necessary information for loan processing and servicing.
• Promote and cross sell the Bank’s services and products.
• Perform other duties as assigned.

Qualifications

Education: College degree in accounting or business preferred.

Experience: 1-2 years of experience in SBA closing, documentation and lending

Skills and Abilities: 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 (English/ Mandarin) is a plus

 

 

Open Positions – New York

 

OFFICER POSITIONS

 

Mortgage Loan Officer – Flushing, NY

Job Responsibilities

• 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.

Qualifications

Education: College degree preferred.

Experience: Minimum 3 years of experience in originating mortgage loans with a track record of business development.

Skills and Abilities: 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 required.

 

 

Open Positions – Chicago

 

NON-OFFICER POSITION

 

Customer Service Representative (2) – Chicago, IL

Job Responsibilities

• Supports and performs branch operations as deemed necessary by branch management, including new accounts, customer services, and teller functions.
• Provides quality customer services including servicing existing customers, answering inquiries, and recommending solutions to customer problems.
• Promotes and cross-sells the Bank’s services and products.
• Accept deposits/withdrawals, cash checks, process loan payments, tax payments, and outgoing wire transactions; process mail and night drop deposits.
• Balance cash drawer.
• Sell money order and travelers, official and gift checks.
• Verify credit rating request signatures and process accordingly.
• Answer inquiries and direct customers to the proper department for further bank services.
• File miscellaneous items and distribute daily reports.
• Promote and cross-sell Bank services and products.
• Performs other duties as assigned.

Qualifications

Education: High school diploma or equivalent; some college business classes preferred but not mandatory.

Experience: Cash handling, customer service, and general office experience will be helpful.

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

 

Service Manager – Chicago, IL

Job Responsibilities

• Manage the operations functions of the branch to ensure the highest level of customer service, operating efficiencies, security, audits, 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 and monitor the daily workflow.
• Ensure sound operating conditions in the branch by timely completion of monthly branch certifications, operational reviews daily branch reports, branch cash balancing, all approvals within limits and as assigned.
• Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs. Solicit customers for additional sales.
• 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 coaching to staff members as a routine.
• May serve as Safety and/or Security Officer of the branch.
• Assist in hiring/interviews of new employees, disciplinary actions, and annual appraisals of staff under direct report.
• 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 Service Manager is required.
• Perform other duties as assigned.

Qualifications

Education: College degree with business classes or equivalent.

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

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

 

 

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: 9/10/2021