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

or

resume@rbbusa.com

 

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 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.

Commercial Underwriter – Los Angeles, CA

Job Responsibilities

• Prepares and submits CCR/CCM/Memo for new, renewal, modification and extension with 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, reviews 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, reviews cash flow cycles, conducts sensitivity analysis, evaluates 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.
• Completes 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.
• Works with R/O to ensure receipt timely financial statements, aging reports, tax returns, and personal financial statements, and then analyzes these often complex personal financial statements and personal tax returns of sponsors/guarantors, as well as their contingent debt.
• Attends 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

Qualifications

Education: Bachelor’s Degree in Accounting, Finance, Economics, Business Administration, International Development, or other related disciplines.

Experience:

• 2-4 years of experience with CRE/Commercial Underwriting (various asset classes)
• CRE/C&I/SBA experience preferred
• Relationship/Portfolio Management experience preferred

Skills and Abilities:

• 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 is a plus

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.

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.

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

Customer Service Representative – Diamond Bar 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.

 

 

 

 

Open Positions – New York

OFFICER POSITIONS

 

Mortgage Loan Officer (2) – 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.

 

NON-OFFICER POSITION

 

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.

 

 

 

Open Positions – Chicago

 

Customer Service Representative (FT-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.

 

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: 6/18/2021