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
1055 Wilshire Blvd, #1200
Los Angeles, CA 90017
Attn: Human Resources
hr@rbbusa.com
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Open Positions - California
Assistant Portfolio Management Officer – Los Angeles, CA
Job Responsibilities
- Service credit needs of existing legacy and portfolio loan customers.
- Manage existing customer relationship and loan portfolios.
- Provide loan servicing for commercial and construction loans including disbursement requests.
- 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.
Central Operations Specialist (Legal Process) (2) – Buena Park, CA
Job Responsibilities
- Process Bank Levies/Subpoenas
- Debit Card Enfac (ATM unconfirmed fraud), retrieve and email branches; update cases
- Balance PIM GL
- Post Union Bank deposits by customers
- IOLTA reporting and remittance
- Assist with Unclaimed Property process
- Processes and performs the following functions: FraudGuard Review, Chargebacks, Foreign Item Collections, ATM Settlement, Cash Vault Balancing, Debit Card orders, FCRM Review.
- Charge daily returned item and e-mail to branches.
- Review daily non-posted GL.
- Review Mobile Deposits and e-mail to branches
- Research and adjustments.
- Process ACH/ATM/POS disputes
- Signature Card Scanning
- Issuing Interest Checks
- Perform other duties as assigned
Qualifications
Education: High school diploma or higher.
Experience: 2-3 years branch/teller experience; knowledge of banking regulations
Skills and Abilities:
PC literate; detail-oriented; strong communication skills; bilingual (English/Mandarin) a plus.
Commercial Lending Manager – Los Angeles, CA
Job Responsibilities:
- Works closely with senior management and other business units to develop and manage a variety of commercial loans.
- Implement business plan and marketing strategy to achieve the Bank’s financial objectives and CRA goals.
- Develop new relationships from referrals and outside calling efforts.
- Maintain and enhance relationships by cross-selling bank products and services.
- Manage and develop employees in the department to achieve maximum productivity.
- Supervise preparation of reports and review of loan applications following the Bank’s policies and procedures.
- Coordinate the origination, underwriting, legal and credit documentation, and closing and servicing process.
- Ensure controls are in place to adhere to all compliance and regulatory requirements.
- Performs other duties as assigned.
Qualifications
Education: Bachelor’s degree in Finance or related field.
Experience: Minimum 10 years of experience in commercial lending, including 3 years in department manager or section head position required.
Skills and Abilities: Good commercial loan underwriting, analytical, organization, and planning skills; ability to manage department in a team environment; excellent interpersonal and communication skills.
Credit Administration Assistant – Los Angeles, CA
Job Responsibilities:
- Collect credit report requests from lending departments; verify borrower’s financial information and credit search authorizations.
- Generate LexisNexis, D&B and Experian reports; Save and categorize the hard and soft copies in separate folders.
- Create monthly credit search log; verify the information on the monthly invoice and send invoice request to finance department.
- Reg B Compliance & Other Reports, as backup. (Regulation B Certification and Review Memo)
- Credit Approval Support; obtain Mangers Signature on CCR and Credit Approval Sheet and distribute to corresponding departments/underwriters upon completion.
- Credit Administration Officer – Appraisals
- Branch Operation (back up); On duty Teller as required - Coordinate with other tellers to generate Monthly Certification
- Preparation of Monthly Reports for Director Loan Committee (DLC) Meeting; send notification Agenda to lending departments about which loans they will present in the DLC meeting and generate DLC Agenda from lending units.
- HMDA Monthly Certification (Back-up support); Monitor and verify all HMDA reportable loans, collect supporting documents from all lending units and verify with the HMDA Loan Reporting Worksheet, generate monthly certification and prepare all packages for each HMDA reportable loan.
- Tax Delinquency Monthly Report; collect updated tax delinquency information from Lerreta and Nationwide website and update delinquency report, generate the delinquency notification letters, and collect and verify the updated information and proof of payments.
- Other Reports & Duties; Cost Allocation Report, Complaint Log, Assist Credit Administrator to coordinate preparation for examiner and auditor review, and organize and keep track of credit files as necessary.
Qualifications
Education: BA degree in business or accounting, or equivalent
Experience: One to two year experience in banking or credit functions
Skills and Abilities: PC literate in MS Word and Excel organized and detail-oriented with the ability to function in a team environment bilingual (English/Mandarin) is an advantage.
Customer Service Representative – Monterey Park, 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 preferred
Customer Service Representative (2) – Silverlake, 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 preferred
Financial Administrative Assistant– Buena Park, CA
Job Responsibilities
- Performs diverse administrative duties involving high-level contacts and exposes to sensitive information necessitating use of discretion and judgment.
- Assist CFO with organizing board and committee packages
- Coordinate Investor Relations Function under CFO and CEO’s direction
- Answer shareholder questions
- Perform stock transfer transactions under the CFO’s direction
- Assist employees on stock trading
- File Form 3 and Form 4 for directors and officers stock trades
- Prepare Proxy under CFO and Controller direction
- Arrange investor meetings
- Prepare department minutes
- Assist in making travel accommodations for staff
- Keep track of bank’s insurance policies
- Assists in the liaison and coordination with advertising, media and public relations companies.
- Accept other responsibilities as deemed necessary by supervisor
Qualifications
Education: College degree or equivalent
Experience: Administrative experiences required, thorough knowledge of banking regulations, bank products and policies preferred but not required
Skills and Abilities: Proficient in Microsoft software programs (Excel, word, and PC literate); strong verbal and written communication skills; organized and detail-oriented; strong sense of confidentiality; Bilingual (English/Mandarin) is a plus.
Loan Documentation Specialist – Los Angeles, CA
Job Responsibilities
- Prepare loan documentation for CRE, C&I, Construction, small business and SBA loans using Finastra/LaserPro or GoDoc Solution apps in accordance with terms of approved credit commitment and complying with Bank guideline, SBA SOP rules and other regulations.
- Ensure correct input of borrowers and guarantors information as reflected in corporate and legal documents.
- Prepare lender’s instruction letter for loan closing.
- Review loan documentation prepared by attorney services against approved credit commitment.
- Work closely with loan and underwriting officers to prepare loan documents for signature by borrowers and or guarantors.
- Performs other Credit Administration duties as assigned.
Qualifications
Education: Bachelor’s in Degree in Business or Accounting
Experience: Minimum of two years’ experience in lending or credit functions. Experience in review of business structure and legal entity documents and advantage
Skills and Abilities: PC literate in MS Word and Excel; organized and detail-oriented with the ability to function in a team environment; bilingual (English/Mandarin) is a plus.
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.
Loan Servicing Associate (2) – 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.
Mortgage Loan Analyst – Los Angeles, CA
Job Responsibilities
- Executing and managing rate locks with Investors.
- Assists operations in delivering loan data such as ULDD, UCD.
- Communicating with Investors for any lock, commitment, delivery related issues.
- Preparing daily, weekly production report and monthly board reporting.
- Preparing reports as assigned.
- Performs other duties as assigned.
Qualifications
Education: Bachelor’s degree in finance, math, economics, business or a related area
Experience: Minimum 0-2 years of experience in assistant work which includes experience in an administrative role.
Skills and Abilities: Computer literate; highly proficient in Excel, effective verbal and written communication skills; excellent time management and organizational skills; Detail oriented and able to function well in a multi-task environment; Computer skills including MS Office Word, Power point, and other internet application; Experience with LOS Encompass is a plus
Mortgage Loan Assistant (2) – Los Angeles, CA
Job Responsibilities
- 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.
Qualifications
Education: High school diploma or equivalent
Experience: Minimum 0-2 years of experience in assistant work which includes experience in an administrative role.
Skills and Abilities: Computer literate; effective verbal and written communication skills; 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 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.
Operations Officer – Silver Lake, CA
Job Responsibilities:
- Manage the operations functions of the branch to ensure the highest level of customer service, operating efficiencies, and compliance with the Bank’s operating standards and regulatory requirements
- Ensure the branch effectively manages 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
- Manage to ensure sound operating conditions in the branch by timely completion of monthly branch certifications and operational reviews.
- Assist in attaining established Bank and branch goals through cross-selling.
- Meet with staff on regular basis to discuss new and existing products, service productivity and customer relations. Advise management on issues affecting customer service to ensure the timely research and resolution of problems. Identify and recommend methods to improve effectiveness, efficiency and program(s) productivity.
- Provide guidance and assistance to branch staff in resolving procedural and personnel administration problems. Provide instruction and cross training on Bank procedures and banking regulations. Ensure performance evaluations of the branch’s non-officer staff are completed timely, objectively and with proper emphasis on individual development, coaching skills, customer servicing skills, and sales/referral activities.
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: Thorough knowledge of bank branch operations-related regulations and bank products; good verbal and written communication skills; Bilingual may be required.
Payroll Manager – Los Angeles, CA
Job Responsibilities:
- Manages the preparation and distribution of the organization’s payroll for multiple locations.
- Responds to all payroll-related inquiries including but not limited to payroll deductions and accruals, timecards, wage garnishments, child support payments, and employment verifications in order to resolve all payroll employee issues.
- Maintains and reviews payroll processing system to ensure timely and accurate processing of payroll transactions including salaries, benefits, garnishments, taxes, and other deductions.
- Ensures accurate and timely processing of payroll updates including new hires, terminations, and changes to pay rates.
- Prepares and maintains accurate records and reports of payroll transactions.
- Directs the preparation and filing of required reports and/or payments to government agencies, insurance carriers, other organizations and individual employees.
- Ensures compliance with federal, state, and local payroll, wage, and hour laws and best practices.
- Facilitates audits by providing records and documentation to auditors.
- Identifies and recommends updates to payroll processing software, systems, and procedures.
- Prepares compensation reports and salary surveys as needed.
- Performs other duties as assigned.
Qualifications
Education: Bachelor’s degree in Accounting, Business Administration, Human Resources, or related field required.
Experience: 4+ years of related experience required. Bank experience preferred. Multi-state experience ideal.
Skills and Abilities:
- Good judgement with the ability to make prompt and sound decisions
- Extensive knowledge of the payroll function including preparation, balancing, internal control, and payroll taxes.
- Ability to work with all levels of management.
- Excellent organizational skills and attention to detail.
- Strong analytical and problem-solving skills.
- Strong leadership skills.
- Proficient with payroll software.
- Strong computer skills including spreadsheet experience required.
- Excellent oral and written communication skills and superior interpersonal skills required.
- Ability to research and interpret state and federal payroll & benefit regulations.
- Bilingual in English and Mandarin Chinese a plus.
Portfolio Management/Loan Assistant – Los Angeles, CA
Job Responsibilities
- Process and monitor daily activities for loan advances and pay down, construction disbursement.
- Process loan pay off requests and coordinate final payoff with Note Department.
- Work with underwriting teams after loan funding and coordinate transfer of loan to Portfolio Management for servicing and management.
- Request financial reports, insurance and other required documents from borrower per loan documents.
- Follow up on loan maturities and obtain updated financials for renewals, extensions amendments, and waivers.
- Prepare financial spreadsheets and/or covenant checklist.
- Prepare weekly/monthly reports to internal department and upper management.
- Perform annual loan reviews and trend analysis to monitor loan performance and compliance with loan covenants.
- Perform 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
Qualifications
Education: Bachelor’s degree in accounting, finance, economics, international development studies. MBA or Master degree would be an advantage.
Experience: Experience in commercial lending is a plus.
Skills and Abilities: Strong financial and loan analytical skills; PC proficient in Word and Excel; Excellent verbal and written communication skills; organized and detail-oriented with the ability to function in a team environment; bilingual (English/Mandarin) is a plus.
Relationship Manager – Irvine Branch, CA
Job Responsibilities:
- Building positive and strong relationships with branch staff and customers, to develop new client base for the branch.
- Promote various products and in-charge of product sales.
- Interact with customers to understand their businesses and to provide exceptional services to meet their banking needs.
- Developing potential business relationship by actively participating local community events or activities.
- Report and communicate with Director of Private Banking/Branch Administrator for proactive marketing strategy planning.
Qualifications
Education: College graduate preferably with business degree.
Experience: Thorough knowledge of banking regulations, bank products and policies.
Skills and Abilities: Strong marketing skills, interpersonal abilities, customer service and communication skills. Bilingual (English/Mandarin) is a plus.
SBA Loan Assistant – Los Angeles, CA
Job Responsibilities
- Coordinates with loan officers, Note Department, Escrow, Title or Insurance agent for loan closing funding and disbursements.
- Assists in operational duties of the department, including secondary market sales; tickler maintenance, follow-up and payment of referral fees and associates vendors, i.e. appraisal, environmental and title fees, etc.
- Prepare and update daily, weekly and monthly administrative reports
- Assist customers and loan servicing officer and follow up on outstanding items and related questions.
- 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 banking or customer service positions preferred.
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.
Service Manager– Silver Lake Branch, CA
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: Thorough knowledge of bank branch operations-related regulations and bank products; good verbal and written communication skills; Bilingual may be required.
Training Officer – Los Angeles, CA
Job Responsibilities
- Facilitates training and delivers learning curriculum to newly on boarded employees.
- Collaborates with the departments in developing teaching aids, such as training handbooks, demonstration models, multimedia visual aids, computer tutorials, and reference works.
- Prepares reports on the activities of the training interventions and projects outlining objectives and accomplishment of outcomes.
- Administers knowledge checks and post-training assessments to measure progress and to evaluate the effectiveness of training.
- Accurately assesses skills, abilities, and knowledge to determine competence levels
- Delivers coaching and mentoring as follow through to learning.
- Monitors staff’s performance by communicating with line managers and department heads.
- Partners with the departments in identifying knowledge gaps and process improvement opportunities.
- Conducts re-training, refresher, and/or developmental courses in line with continuous learning and improvement.
- Monitors and reports on training projects and the enhancement of training initiatives.
- Participates in process improvement initiatives to keep all references up to date.
- Performs other related duties, as required.
Qualifications
Education: Bachelor’s degree in Human Resources, or related field required.
Experience: 4+ years of related experience required. Bank experience preferred. Multi-state experience ideal.
Skills and Abilities:
- Excellent written and verbal communication skills.
- Strong presentation skills.
- Adept with a variety of multimedia training platforms and methods.
- Ability to design and implement effective training.
- Extremely proficient with Microsoft Office Suite and related program software.
- Bilingual in English and Mandarin Chinese a plus.
Wire Operations Specialist – Buena Park, CA
Job Responsibilities
- Manage outgoing wire transfer request made by related departments.
- Perform various security related tasks such as verifications and confirmations to validate the authenticity of outgoing wire transfers
- Ensure all outgoing wires are processed accurately with proper procedures and controls
- Prepare and ensure all wires have been properly authorized by working and communicating with other departments.
- Responsible for end of day reconciliation to ensure all wires were posted accurately and affirm the wire long balances are correct
- Monitor the status of wire transfers throughout the business day to ensure daily deadlines are met.
- Identify and escalate non-routine transactions and exceptions to eliminate potential fraud/suspicious situations.
- Provide support to internal departments via telephone and emails
- Able to utilize wire processing platforms for processing of wires (i.e. WireXchange)
- Perform all related duties as assigned within the established policies and procedure.
Qualifications
Education: High School Diploma
Experience: Minimum 1 year experience with a bank is highly encouraged
Skills and Abilities: Good communication and verbal skills, Adequate computer and typing skills are encouraged, Able to work with little to no supervision, able to comprehend written procedures, good organization skills and detailed oriented, good work attitude.
Open Positions - Nevada
Customer Service Representative – Spring Mountain Branch, NV
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 - Hawaii
Branch Manager – Hawaii Main Branch, HI
Job Responsibilities:
- Organize, direct and administer the service and sales activities of the branch through management of all branch personnel.
- Manage the sales function by developing sales and marketing plans specific to local markets.
- Actively generate and pursue business leads (opportunities) and develop business, including calls to existing customers to maintain and expand banking relationships, and calls to prospective clients to develop new business. Meet regularly with branch officers to ensure that all opportunities for selling and cross selling Bank products and services are pursued.
- Oversee operational and risk management activities of the branch to ensure the highest level of customer service, operating efficiencies, and compliance with the Bank’s operating standards and regulatory requirements, such as BSA and CRA.
- Adhere to branch budget. Monitor and control expenses on an ongoing basis.
- Actively participate in various civic, social and community affairs to enhance the Bank’s image and promote positive community relations.
- Maintain up-to-date knowledge on all Bank products and services and ensure that training and assistance is provided to develop and enhance branch staff’s knowledge.
- Maintain a highly motivated and qualified branch staff through the selection, placement, training, counseling and promotion of people to achieve optimum organizational performance.
- Team up with or report to Regional Manager or other bank managers for business development, staffing and other branch management matters, when deemed necessary or appropriate.
- Perform other duties as assigned.
Qualifications
Education: College degree in business or equivalent.
Experience: Two to three years branch management experience. Thorough knowledge of banking regulations, bank products and policies.
Skills and Abilities: Comprehensive knowledge of all phases of branch management including banking regulations and compliances, customer service, sales, operations and risk management; proven abilities in business development and banking management; excellent verbal and written communication skills; Bilingual may be required.
Open Positions - New Jersey
Relationship Manager – Edison, NJ
Job Responsibilities:
- Building positive and strong relationships with branch staff and customers, to develop new client base for the branch.
- Promote various products and in-charge of product sales.
- Interact with customers to understand their businesses and to provide exceptional services to meet their banking needs.
- Developing potential business relationship by actively participating local community events or activities.
- Report and communicate with Director of Private Banking/Branch Administrator for proactive marketing strategy planning.
Qualifications
Education: College graduate preferably with business degree.
Experience: Thorough knowledge of banking regulations, bank products and policies.
Skills and Abilities: Strong marketing skills, interpersonal abilities, customer service and communication skills. Bilingual (English/Mandarin) is a plus.
Open Positions – New York
Commercial Lending Officer – Brooklyn, NY
Job Responsibilities
- Develop new, qualified customer prospects and businesses that fit the Bank’s risk appetite.
- Perform credit assessment and preliminary underwriting of commercial loans, evaluate customer loan requests, coordinate 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 the 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 maintains 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.
- Perform other duties as assigned
Qualifications
Education: Bachelor's degree in business or related field preferred
Experience:
- Bilingual Chinese/English preferred.
- 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 the real estate market served by Bank.
Skills and Abilities: Bilingual Chinese/English required; Ongoing NMLS registration; Knowledge of Encompass preferred; Proficient with Microsoft Office suite; High ethics; 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; Commitment to lifelong learning
Sales Assistant – Brooklyn, NY
Job Responsibilities:
- Perform specific tasks assigned by loan officers.
- Ensure files move through processing and closing in a timely manner.
- Schedule appointments with clients.
- Respond to client’s questions and concerns.
- Obtain and review applicant credit history.
- Follow up with clients to complete necessary documents and keep them informed of the loan process.
- Systematically store and maintain client data and files.
- Prepare files for submission to processing.
- Perform a variety of research duties in support of the branch.
- Other duties and projects as assigned.
Qualifications
Education: High school diploma or equivalent; AA degree preferred
Experience: Banking or mortgage lending experience preferred
Skills and Abilities: Bilingual Chinese/English required; Ongoing NMLS registration; Knowledge of Encompass preferred; Proficient with Microsoft Office suite; High ethics; 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; Commitment to lifelong learning
Mortgage Loan Officer – 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.
Mortgage Funder – Brooklyn, NY
Job Responsibilities
- Ensure mortgage loan closing documents are complete and accurate;
- Ensure that all approval and appraisal conditions have been met and properly signed off, and ensures that proper fees are collected and funding figures are correct;
- Communicate and coordinate with bank attorney for loan closing;
- Audit closed loan files in preparation of scheduled closing/funding;
- Prepare closing documentation, review and ensure compliance with all federal and state regulations and guidelines;
- Prepare accurate closing/funding schedules to issue to bank attorney and clients;
- Prepare funding packets to wire department;
- Ensure HMDA data is updated in the origination system;
- Perform other duties as assigned.
Qualifications
Education: High school diploma or equivalent
Experience: Minimum 2 years in mortgage funding, post closing, processing, or related experience
Skills and Abilities: Computer literate; effective communication skills; excellent time management and organizational skills; knowledge of FNMA, FHLMC, VA and FHA guidelines; bilingual (English/Mandarin) preferred
Open Positions – Chicago
Customer Service Representative– 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.
- Blingual 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: Thorough knowledge of bank branch operations-related regulations and bank products; good verbal and written communication skills; Bilingual may be required.
MLO/Wholesale Account Executive – Chicago, IL
Job Responsibilities
- Responsible for business development from retail clients (bank branches/real estate companies) and wholesale mortgage brokers to generate new mortgage loans.
- Respond to customer inquiries and referrals that are generated from their own contacts and from other business channels.
- Cross-sell other bank products and services.
Qualifications
Education: Bachelor’s degree in finance, business, economics, math or a related area.
Experience: Minimum 3 years of experience in originating mortgage loans (retail or wholesale lending) with a proven track record.
Skills and Abilities: Proficient in Word, Excel and Encompass. Excellent verbal and written communication skills. Bilingual in Mandarin is preferred.
Royal Business Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our Privacy Policies (GLBA Privacy Notice, California Consumer Privacy Act and Online Privacy) at our website www.royalbusinessbankusa.com. 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: 07/29/2022
