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

Open Positions - California

 

OFFICER POSITIONS

 

Commercial Loan Underwriter – Los Angeles, CA

 

Job Responsibilities

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
 

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

 

 

Encompass Administrator – Los Angeles, CA

 

Job Responsibilities

Maintain Encompass LOS and related Ellie Mae systems to ensure continued efficient RMLU operations and loan processes.

Work with the residential loan team and outside vendors to understand business processes and functions.

Seek areas of opportunity for process-flow improvement in system functionality and workflow.

Convert business requirements to system design.

Manage implementing changes, including testing and gather user feedback to ensure proposed solutions work as intended.

Maintain Encompass specifications and settings and adjust to meet business needs.

Strong problem solving abilities to understand, interpret, troubleshoot and resolve issues relating to system and LOS functionality.

Research changes and manage periodic system enhancements in upcoming versions of Encompass, informing users of impact and document test results.

Maintain user access to the system.
 

Qualifications

 

Education
High school diploma or equivalent

 

Experience
Experience with Ellie Mae Encompass Administration or similar LOS administration.
Mortgage industry experience with a solid understanding of a typical mortgage process.

 

Skills/Abilities
Expert knowledge of MS Office programs

High attention to details and strong follow-through skills

Ability to thrive in a fast-paced work environment

Strong interpersonal and communication skills

 

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

 

Experience

Administrative experience required.
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

 

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/Abilities

Extensive knowledge of mortgage loan and government lending guidelines;

Strong business development skills;

PC proficient in Word, Excel and Encompass;

TRID proficient.

Excellent verbal and written communication skills;

 

Central Operations Specialist– Buena Park, CA

Job Responsibilities

Processes and performs the following functions: FraudGuard Review, Chargebacks, Foreign Item Collections, ATM Settlement, Cash Vault Balancing, Debit Card orders, FCRM Review.

Business and Personal online banking password resets.

Answer inquiries from branches regarding new accounts and other Bank policies and procedures.

Balance daily branch transit checks.

Process daily EIM-NSF/OD/Non-posted items.

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.

Process Bank Levies/Subpoenas.

Perform other duties as assigned.

 

Qualifications

Education

High School Diploma.

 

Experience

2-3 years branch/teller experience; knowledge of banking regulations.

 

Skills/Abilities

PC literate;

Detail-oriented;

Strong communication skills;

Bilingual (English/Mandarin) a plus.

 

Treasury Assistant– Buena Park, CA

Job Responsibilities

Monitor daily Bank-wide cash activities.

Project daily, weekly and monthly liquidity and cash flow.

Review investment portfolio and correspondent bank performance.

Conduct financial review and credit underwrite for new investments.

Manage bank’s Wholesale Deposit and Brokered Deposit.

Manage bank’s Borrowing Capacity.

Monitor branch deposit balance and conduct deposit report.

Post Daily Block Entries.

Compose/Update procedures and policies in Treasury/ Finance field.

Maintain investment files, pledging activity ensure the bond system is updated.

Monthly Investment Mark-to-Market, and balancing to safekeeping statements.

Assist the Treasury Officer on ALCO Reporting.

Assist the Treasury Officer on Audit Exam.

Accept other responsibilities as deemed necessary by supervisors.

 

Qualifications

Education

College graduate preferably with business degree or related degree.

 

Experience

Two years bank accounting experience, preferred.

Strong knowledge of banking regulations and bank products, preferred.

 

Skills/Abilities

Microsoft Office.

Strong Excel skill.

Understand financial statements and ratios.

Strong financial data analysis and underwriting skills.

Pre-active and willing to learn and take new tasks.

Good verbal and written communication skills.

Bilingual (English/Mandarin) is a plus.

 

Wire Operations Assistant – Monterey Park, CA

Job Responsibilities

Manage outgoing wire transfer requests 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 log 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 procedures

 

Qualifications

Education

High School Diploma

 

Experience

Minimum 1 year experience with a bank is highly encouraged

 

Skills/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

 

Loan Assistant (Commercial Lending) – 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

College Degree in Accounting or Business, preferred

Experience

1-2 years if experience in lending, preferred

Skills/Abilities

PC literate in MS Word and Excel;

Thorough accounting concepts;

Strong verbal and written communication skills;

Organized and detail-oriented with the ability to function in a team environment;

Bilingual may be required.

 

Jr. BSA Analyst – Los Angeles, CA

Job Responsibilities

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.

 

Qualifications
Education
Bachelor’s degree

Experience

Although no specific experience is required, experience in banking operations, regulatory, legal, or auditing environment with exposure to regulatory compliance matters is preferred.

Skills/Abilities

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.

 

BRANCHES

 

Service Manager – Silver Lake Branch

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.

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

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 active participation in sales management and officer call programs.

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.

May serve as Safety and/or Security Officer of the branch.

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/Abilities
Thorough knowledge of bank branch operations-related regulations and bank products

Good verbal and written communication skills

Bilingual in English and Spanish is a plus.
 

Senior New Account Representative – Silver Lake Branch

Job Responsibilities

Processes various new accounts transactions by ensuring proper documentation and identification; maintains existing accounts of all types and closes account as needed.

Provides quality customer services including servicing existing customers, answering inquiries, recommending solutions to customer problems, ordering checks..

Maintains files on status of accounts and prepares appropriate branch reports.

Promotes and cross-sells the Bank’s services and products.

Trains Customer Services Representative in opening new accounts and performing all new account desk functions.

Backs up supervisor duties as needed.

Performs other duties as assigned.
 

Qualifications
Education
High school graduate or equivalent; some college business classes preferred but not mandatory.

Experience

2-3 years branch operations experience in a banking environment; thorough knowledge of Bank products and services

Skills/Abilities

PC literate

Organized and detail-oriented

Strong communication skills

Bilingual (English/Mandarin) may be required

 

Teller

Full Time
Irvine Branch - 14725 Jeffrey Road. Irvine, CA 92618

 

Job Responsibilities

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.

 

Qualifications

Education

High school diploma or equivalent.

 

Experience

Cash handling, customer service, and general office experience helpful.

 

Skills/Abilities

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

 

Open Positions – New York

 

OFFICER POSITIONS
 

Residential Mortgage Operations Manager – Brooklyn, NY

Job Responsibilities

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.

 

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 Responsibilities

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

 

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

 

Credit Analyst - Brooklyn, NY

Job Responsibilities

Analyze customers’ overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information;

Advise customers or respond to inquiries about financial matters;

Create debt management plans, spending plans, or budgets to assist customers to meet financial goals;

Analyze customers’ financial status, credit, and property evaluations to determine feasibility of granting loans;

Maintain or update records of customer account activity, including financial transactions;

Estimate time for debt repayment given amount of debt, interest rates, and available funds;

Prepare written documents to establish contracts with or communicate financial recommendations to customers;

Perform other duties as assigned.

 

Qualifications

Education

Bachelor’s degree or equivalent in accounting, finance, economics, international development studies.

 

Experience

2-3 banking experience, preferred

 

Skills/Abilities

Strong analytical and underwriting skills;

Attention to detail with data and numbers
PC proficient in Word and Excel;
Excellent verbal and written communication skills;

 

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/Abilities

Extensive knowledge of mortgage loan and government lending guidelines;

Strong business development skills;

PC proficient in Word, Excel and Encompass;

TRID proficient.

Excellent verbal and written communication skills;

Bilingual in English/Chinese preferred.

 

BRANCHES

Teller

Part Time
Flushing Center Branch – 40-48 Main Street. Flushing, NY 11354
Elmhurst Branch - 86-55 Broadway. Elmhurst, NY 11373

Full Time
59^th Street Branch - 5902 8th Ave. Brooklyn, NY 11220

 

Job Responsibilities

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.

 

Qualifications

Education

High school diploma or equivalent.

 

Experience

Cash handling, customer service, and general office experience helpful.

 

Skills/Abilities

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

 

Open Positions – Chicago

 

BRANCHES

 

Account Executive:

Full Time:

Main Branch #76 - 2323 S. Wentworth Ave. Chicago IL, 60616

Chinatown Square Branch #77 - 2156 S Archer Ave, Chicago IL, 60616

Job Responsibilities

Processes various new accounts transactions by ensuring proper documentation and identification; maintains existing accounts of all types and closes account as needed.

Provides quality customer services including servicing existing customers, answering inquiries, recommending solutions to customer problems, ordering checks.

Maintains files on status of accounts and prepares appropriate branch reports.

Promotes and cross-sells the Bank’s services and products.

Trains Customer Services Representative in opening new accounts and performing all new account desk functions.

Backs up supervisor duties as needed.

Performs other duties as assigned.

 

Qualifications

Education

College degree

Experience

2-3 years branch operations experience in a banking environment; thorough knowledge of Bank products and services

Bilingual in English and Chinese (Mandarin and/or Cantonese) 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 2/20/2020