Open Positions - California
NON-OFFICER POSITIONS
Mortgage Underwriter – 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 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.
Qualifications
Education: Bachelor’s degree in finance, economics, or equivalent experience
Experience: Minimum 3 years of mortgage experience; exposure to all aspects of origination, servicing secondary marketing and mortgage compliance areas preferred
Skills and Abilities: Familiarity with internal audit policy and procedures; Strong interpersonal skills, including the ability to interact and work respectfully and cooperatively with others; 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.
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.
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.
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.
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.
Qualifications:
Education: Bachelor’s degree or equivalent is preferred but not mandatory.
Experience: Administrative experience required. Minimum 3or 4 years of experience in banking and knowledge of compliance regulation is preferred.
Skills and Abilities: 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.
Treasury Assistant – Buena Park, CA
Job Responsibilities
- Monitor daily Bank-wide cash activities
- Project daily, weekly and monthly liquidity and cash flow
- Review investment portfolio and correspondent bank performance
- Conduct financial review and credit underwrite for new investments
- Manage bank’s Wholesale Deposit and Brokered Deposit
- Manage bank’s Borrowing Capacity
- Monitor branch deposit balance and conduct deposit report
- Post Daily Block Entries
- Compose/Update procedures and policies in Treasury/ Finance field
- Maintain investment files, pledging activity ensure the bond system is updated
- Monthly Investment Mark-to-Market, and balancing to safekeeping statements
- Assist the Treasurer on ALCO Reporting
- Assist the Treasurer Officer on Audit Exam
- Accept other responsibilities as deemed necessary by supervisors
Qualifications
Education: College graduate preferably with business degree.
Experience: Two years bank accounting experience preferred, not required. Strong knowledge of banking regulations and bank products. Preferred but not required.
Skills and Abilities: Microsoft Office. Strong Excel skill. Understand financial statements and ratios. Strong financial data analysis and underwriting skills. Pre-active and willing to learn and take new tasks. Good verbal and written communication skills. Bilingual (English/Mandarin) is a plus.
Business System Analyst I – Buena Park, CA
Job Responsibilities
- Responsible for eliciting requirements using a variety of activities and tools
- Participates in the decomposition of high-level business and user requirements into functional requirements and quality attributes
- Assists in the presentation of requirements to business owners, project teams and management and obtains agreement from all decision makers on the strategic and tactical direction of the initiative
- Assists in facilitating systems scoping and requirements sessions with stakeholders
- Manages requirements traceability information and tracking requirements status throughout the project
- Identifies project stakeholders and identifies appropriate representatives for each user class and negotiates their responsibilities
- Works with project team members to execute the project deliverables
- Assists in the creation and presents project communications to stakeholders
- Develops and implements initiative’s/product’s vision and scope by defining and prioritizing sub activities, directing meetings as required, identifying operational impacts, preparing task outlines and user requirements, and clarifying and documenting processes, policies, and procedures
- Assists in translating moderately complex business requirements into technical specifications to support business need
- Participates in requirements prioritization
- Participates in peer reviews and inspections of requirements documents
- Assist in the analysis and validation of project deliverables against project requirements and vision
- Co-facilitates group sessions for problem solving, initiative planning, proposal creation, etc.
- Performs moderately complex business analysis, reengineering, and work process improvement activities (interviews, research, best practice identification, flow chart creation, etc.)
- Performs research and analysis for planned or proposed change to business by assisting in recommendation of course of action for implementation
- Assist with building out technology solutions, e.g., data gathering, system configuration, testing, etc. to meet stated business objectives
- Provide project management assistance for technology initiatives
- Assist employees with technology solutions in person, by telephone or through email communication
- Works directly with vendors as needed
Qualifications
Education: 4 years of college coursework in Computer Science, Information Systems, or related field
Experience:
- 1-3 years full-time employed Information Technology experience
- Experience with configuring workstations, laptops, smartphones, servers, printers, switches, and peripherals
Skills and Abilities: Knowledge of requirements modeling, packaged software evaluation, business process analysis, SDLC, and PMLC; Knowledge of Windows 10, Windows Server, Office, Active Directory, email administration, HTML, TCP/IP networking, 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
Open Positions – New York
NON-OFFICER POSITIONS
Customer Service Representative (PT) – Elmhurst, New York
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 (FT) – NY, New York
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 (FT -2) – Brooklyn, New York
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.
Mortgage Underwriter – Brooklyn, NY
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/Abilities: Strong analytical and auditing skills along with a firm grasp 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 (2) – Brooklyn, 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
There are no current open positions in Chicago. Please check back at a later time.
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: 04/26/2021
