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

 

 

 

 

 

Officer Positions

 

Commercial Loan Underwriter - Los Angeles

Job Description

• 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

Skills/Qualifications:

• Education:
  • Bachelor’s degree or equivalent in accounting, finance, economics, international development studies.
• Experience:
  • 2-4 years of experience with CRE/commercial underwriting (various asset classes
  • CRE and C&I/SBA experience preferred
  • Relationship/Portfolio management experience preferred

• Skills/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 BA/BS in Finance/Accounting/Economics.
  • Proficiency with Microsoft Word and Excel
  • Strong analytical skills
  • Familiarity with Sageworks is a plus

 

NON-Officer Positions

 

Jr. BSA Analyst - Los Angeles

Job Description

• Receive training, learning BSA/AML legal requirements and bank policies and procedures.
• Assist experienced analysts in the research, analysis, and investigation of account behavior for potential unusual activities in accordance with the BSA/AML/OFAC monitoring policy.
• Assist in investigations for cases referred by Bank personnel for unusual activity and document findings accordingly.
• Assist in investigations for cases elevated from monthly exceptions or targeted monitoring.
• Assist in records maintenance and organization.
• Track monthly work completion and report progress to assigned supervisory staff.
• Demonstrate increasing levels of aptitude and mastery over assigned departmental tasks.
• Perform other duties as assigned.

Skills/Qualifications:

• Bachelor's degree or equivalent.
• Although no specific experience is required, experience in banking operations, regulatory, legal, or auditing environment with exposure to regulatory compliance matters is preferred.
• Excellent analytical, research, time management, and planning skills; PC proficient; organized and detail-oriented; strong written and verbal communication skills required. Knowledge of BSA/AML, USA PATRIOT Act, OFAC laws and regulations, and CTR and SAR reporting requirements a plus but not required.

CRA Analyst - Los Angeles

Job Description:

• Develop and manage community outreach activities and initiatives within bank's assessment areas.
• Ensure the bank's outreach programs generate an acceptable level of mortgage loan applications from ethnic groups that broadly represent to ethnic mix of the bank's assessment areas.
• Identify and recommend community investments to ensure adherence with the bank's CRA investment goals.
• Identify and coordinate community service activities so as to meet the bank's CRA Service goals. Establish and maintain relationships with community organizations such as activist groups, community agencies, and non-profit agencies and assure the bank is highly visible in the Community.
• Participate in and represent the bank in various communities, civic and professional organizations and develop relationships with local community organizations that support housing and community needs as a whole.
• Work closely with the CRA Officer and Head of Mortgage lending to develop products and programs that ensure the success of the bank's CRA program as it pertains to lending.
• Develop and deliver training programs on community involvement to branch and mortgage sales staff. Familiarize and comply with all applicable Bank's policies and procedures as well as governing laws and regulations.

Skills/Qualifications:

• Bachelor's degree in a Business or Finance related field preferable and two years of related experience and/or training, or approved equivalent.
• Strong oral and written communication skills.
• Intermediate experience, knowledge, and training in lending activities and terminology.
• Knowledge of related bank operational policies and procedures and bank products and services.
• Intermediate-level knowledge of the Community Reinvestment Act.
• Ability to maintain a high degree of accuracy and attention to detail.
• Service-oriented attitude and attentive customer relation skills.
• Computer proficiency with basic business applications is required.
• Understanding and experience in the loan underwriting and credit analysis preferred.
• Proven ability to effectively train and instruct others in a formal classroom setting or in a one-on-one environment preferred.

Mortgage Loan Assistant (Servicing) - Los Angeles, CA

Job Description

• Assist Servicing Specialist and Servicing Manager in servicing duties in the Mortgage Department
• Perform mortgage loan portfolio servicing from new loan booking, processing transactions for mortgage loans, tracking insurance, and rate changes
• Coordinate daily activities and functions of loan servicing to ensure proper interpretation and implementation of all regulatory requirements and bank policies;
• Assist customers and staff with related questions;
• Perform account maintenance;
• Ensure compliance with all applicable government, investor, and bank regulations.
• Organize files, input data and prepare logs
• Perform other duties as assigned.

Skills/Qualifications:

• Education:

  High school diploma or equivalent

• Experience:

  0-2 years of experience in assistant work

• Skills/Abilities:

  • Excellent verbal and written communication skills
  • Ability to multi-task and effectively manage time
  • Strong analytical skills and solid customer service values

Mortgage Loan Assistant (Operations) - Los Angeles, CA

Job Description

• Answering phones, copying, scanning, faxing and/or filing, writing, typing or entering information into computer
• Coordinates daily activities and functions of loan purchasing and post-closing to ensure proper interpretation and implementation of all regulatory requirements and bank policies
• Reviews all files for completeness and accuracy prior to loan submission
• Assists all operation staff including funders, processors, underwriters and post-closing officer
• Reconciles invoices, bills and receipts
• Performs other duties as assigned.

Skills/Qualifications:

• Education:

  High school diploma or equivalent

• Experience:

  0-2 years of experience in assistant work

• Skills/Abilities:

  • Excellent verbal and written communication skills
  • Ability to multi-task and effectively manage time
  • Strong analytical skills and solid customer service values
  • Excellent time management and organizational skills
  • Detail oriented and able to function well in a multi-task environment
  • Computer skills including MS Office, Excel and Internet Applications

Mortgage Quality Control Assistant - Los Angeles

Job Description

• Assist QC Specialist to 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
• Investigate potential fraud reports for the lending area and fill Suspicious Activity Reports ( SAR ) with the Bank Secrecy Act (BSA) for further follow up
• Assist QC Specialist to 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 1 year of mortgage experience or equivalent experience;

• Skills/Abilities:

  • 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 Quality Control Specialist - Los Angeles

Job Description

• 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/Abilities:

  • 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

Mortgage Senior Underwriter - Los Angeles

Job Description

• Supervise and perform second review of loan files underwritten by junior underwriters to ensure loan decision was made prudently
• 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;
• Identify portfolio risks resulting from customers’ underlying business practices, underwriting and/or fraud exposure;
• Collaborate with team members to identify potential solutions/exceptions for denied loan files;
• Overview of mortgage compliance such as Truth-in-Lending Act and Reg. Z, etc.
• 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 7-10 years of mortgage banking experience specific in mortgage 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; 
  • Thorough knowledge pertaining to mortgage regulations and underwriting guidelines;
  • Excellent computer skills; 
  • Customer service and communication skills; 
  • Ability to handle delicate situations with diplomacy and tact.

Risk Management Assistant - Los Angeles

Job Description

• 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

• Experience:

  Administrative experience required. Minimum 3 or 4 years of experience in the banking industry Knowledge of compliance regulation is preferred

• Skills/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.

SBA Loan Closing Officer - Los Angeles

Job Description

• Prepares SBA application documents and submission to SBA for approval (GP and PLP submission); Prepares 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, tickler maintenance and payment of referral fees and associates vendors, i.e. appraisal, environmental, title fees, etc.
• Prepares various monthly reports.
• Interacts with customers to assist in collecting necessary information for loan processing and servicing.
• Promotes and cross sells the Bank’s services and products.
• Performs other duties as assigned.

Skills/Qualifications:

• Education: College degree in accounting or business preferred.
• Experience: 2-3 years of experience in SBA closing, documentation and lending preferred.
• Skills/Abilities:
  • PC literate in MS Word and Excel.
    • thorough accounting concepts.
    • good verbal and written communication skills.
    • organized and detail-oriented with the ability to function in a team environment.
    • bilingual (English/Mandarin) is a plus.

 

Teller (Full Time) – Silver Lake Branch, CA

Job Description:

• 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.

Skills/Qualifications:

• Education: High school diploma or equivalent.
• Experience: Cash handling, customer service, general office experience helpful.
• Skills/Abilities: PC literate; typing; proficient in math; organized and detail-oriented; strong communication skills; bilingual in may be required.

 

 

 

 

 

Officer Positions (corporate title based on experience and expectations)

 

Residential Mortgage Operations Manager - Brooklyn, NY

Job Description

• 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.

Skills/Qualifications:

• 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.

NON-Officer Positions

Commercial Loan Closer - Brooklyn, NY

Job Description

• 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

Skills/Qualifications:

• Education: Bachelor’s degree or equivalent in accounting, finance, economics, international development studies.
• Experience: 
  • 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
• Skills/Abilities:
  • 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

Loan Servicing Associate – Brooklyn, NY

Job Description

• 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.

Skills/Qualifications:

• Associate’s degree in business, finance or related field preferred.
• Two to four years of experience in financial institution lending or records management function.
• Strong verbal and written communication skills.
• Superior organizational skills.
• Familiarity with customer service concepts, technology and software packages.
• Availability to work flexible hours and some weekends.
• 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.
• Understanding of and commitment to upholding FAIB’s mission of helping everyone we touch; vision of being a great place to work and bank; and values of high ethics, care, respect, teamwork, friendship and fun.

Human Resources Specialist - Flushing, NY

Job Description

• Completes full-cycle recruiting which includes: Posts position, sources job applicants, screens resumes, interviews candidates (by phone or in person), conducts references and background checks, makes recommendations for hire (or not hire) and delivers employment offers for both exempt and nonexempt position openings.
• Uses traditional and nontraditional resources, such as career fairs, online job fairs, community network events, etc. to identify and attract quality candidates.
• Develops strong talent pipeline.
• Coordinates internal transfer process, including screening, coordination of interviews with hiring managers, transfer information, etc.
• Maintains Job Descriptions.
• Develops and maintains relationships with employment agencies, universities, and other recruitment sources.
• Conducts new employee orientation to explain employment policies, compensation, and benefit programs.
• Coordinates workers' compensation and leave of absence cases in accordance with established company procedures.
• Assists in conducting exit interviews.
• Interprets policies to current and prospective employees, including employee benefits.
• Performs other duties as assigned.

Skills/Qualifications:

• Minimum 4 years HR experience required. Previous bank experience desired. 2 years full-cycle Recruitment experience required. Previous bank experience desired. Familiarity in applicant tracking systems and resume databases.
• Bachelor's degree in Human Resources or related field.
• Strong computer skills including spreadsheet experience required. Prior experience with an HRIS database preferred. Excellent oral and written communication skills and superior interpersonal skills required. Demonstrated ability to exercise sound judgment in handling confidential and sensitive information including employee compensation, medical benefits inquires and employee payroll deductions. Ability to complete job responsibilities with a minimum of supervision and to exercise a reasonable amount of independent judgment. Ability to communicate technical information involving payroll and benefits in a clear and forthright manner, encouraging trust and confidence in the payroll and benefits systems. Ability to conduct work relationships in a professional and courteous manner. Ability to coordinate efficient performance of numerous unrelated tasks. Demonstrated ability to manage time and meet deadlines. Bilingual in English and Mandarin Chinese required. PHR preferred.

Teller (Part Time)
59th Street Branch - 5902 8th Ave, Brooklyn, NY 11220
Flushing Center Branch – 40-48 Main Street. Flushing, NY 11354

 

Job Description

• 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.

Skills/Qualifications:

• Education: High school diploma or equivalent.
• Experience: Cash handling, customer service, general office experience helpful.
• Skills/Abilities: PC literate; typing; proficient in math; organized and detail-oriented; strong communication skills; bilingual may be required.

Teller (Full Time)
Bowery Branch - 29 Bowery. New York, NY 10002

Job Description

• 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.

Skills/Qualifications:

• Education: High school diploma or equivalent.
• Experience: Cash handling, customer service, general office experience helpful.
• Skills/Abilities: PC literate; typing; proficient in math; organized and detail-oriented; strong communication skills; bilingual may be required.

Administrative Clerk (Part Time)
Flushing Center Branch- 40-48 Main Street. Flushing, NY 11354

Job Description

• Provide customers access to Safe Deposit Boxes.
• Scan account opening and other documents for uploading to various systems.
• Compile and maintain records and data.
• Update files, and maintain a variety of records and data.
• Type or produce reports or correspondences utilizing computer software.
• Perform data entry task.
• Perform other duties as assigned.

Skills/Qualifications:

• Education: High school diploma or equivalent.
• Experience: Administrative experience preferred.
• Skills/Abilities: Familiar with Microsoft software programs; organized and detail-oriented.

 

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 09/04/2019