Open Positions - California
NON-OFFICER POSITIONS
Compliance Risk Officer - Los Angeles, CA
Job Responsibilities
- Be well-versed with regulatory compliance changes, keep bank's personnel well-informed of the impact, and recommend actions for compliance.
- Tracks compliance program action items and help ensure all units comply with pertinent laws and regulations.
- Supervises or conducts compliance monitoring review and prepares the reports for Management Compliance Committee.
- Organizes and coordinates Management Compliance Committee meetings and activities.
- Performs consumer compliance related training to business and operating.
- Helps develop compliance related policies and procedures.
- Monitors the performance of the Compliance Program and relates activities on a continuing basis, taking appropriate steps to improve its effectiveness.
- Promotes compliance and risk management culture within the entire organization.
- Serves as a resource to the BSA/AML/OFAC compliance area.
- Supervises and responds for Compliance analyst and Compliance Assistant duties.
- Assists Chief Risk Officer for the compliance in the SOX audits, annual review including the control key risk assessment, data accuracy in the quarterly and annually reports etc.
- Conducts any other duties and tasks required by the Chief Risk Officer.
Qualifications
Education
- Bachelor's degree or equivalent.
Experience
- 10 years of related regulatory compliance experience in deposit and lending.
Skills/Abilities
- Proficient in Microsoft software programs.
- Organized and detail-oriented.
- Strong sense of confidentiality.
- Good interpersonal and communication skills.
- Bilingual in English and Mandarin Chinese preferred.
Credit Administration Assistant - Los Angeles, CA
Job Responsibilities
- Book commercial loans by inputting data into the system and preparing related G/L tickets.
- Post loan payments to the system.
- Maintain and update insurance files for the loans booked.
- Order credit reports (D&B, TRW, BICA) according to the request from the branches.
- Print, distribute, and file daily notices and reports.
- Prepare and send payment notices.
- Maintain and file documents; scan daily transactions.
- Prepare and distribute various weekly or monthly reports relating to credit line availability, loan production, loan maturity, rate control, OCCGF, TCD, L/C, insurance, UCC, and borrowing base for management monitoring.
- Performs other duties as assigned.
Qualifications
Education:
- Associate degree in business or accounting a plus
Experience:
- Minimum of one year in lending or credit functions (Preferred)
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.
Credit Administration Loan Assistant - Los Angeles, CA
Job Responsibilities
- Prepare loan documents for loan officer; set up loan files and follow up with loan supporting documents.
- Prepare underwriting reports including renewals, amendments, and waivers.
- Prepare financial spreadsheets and/or covenant checklist.
- Assist customers and follow up on outstanding items.
- Prepare account profitability analysis report and various reports including problem loan and asset monitoring.
- Follow up on any loan exceptions and/or delinquencies.
- Notarize loan documents for the Bank's customers.
- Promote and cross sell the Bank's services and products.
- Perform other duties as assigned.
Qualifications
Education
- Bachelor's degree in accounting, finance, economics, international development studies.
Experience
- Experience in commercial lending is a plus.
Skills/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 preferred.
Credit Analyst - Los Angeles, CA
Job Responsibilities
- Analyze customers' overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
- Advise customers or respond to inquiries about financial matters.
- Create debt management plans, spending plans, or budgets to assist customers to meet financial goals.
- Analyze customers' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Maintain or update records of customer account activity, including financial transactions.
- Estimate time for debt repayment given amount of debt, interest rates, and available funds.
- Prepare written documents to establish contracts with or communicate financial recommendations to customers.
- Perform other duties as assigned.
Qualifications
Education
- Bachelor's degree or equivalent in accounting, mathematics, statistics, and finance studies.
Skills/Abilities
- Strong analytical and underwriting skills.
- PC proficient in Word and Excel.
- Excellent verbal and written communication skills.
Customer Service Representative - Oxnard Branch, CA
Job Responsibilities
- Supports and performs branch operations as deemed necessary by branch management, including new accounts, customer services, and teller functions.
- Provides quality customer services including servicing existing customers, answering inquiries, and recommending solutions to customer problems.
- Promotes and cross-sells the Bank's services and products.
- Accept deposits/withdrawals, cash checks, process loan payments, tax payments, and outgoing wire transactions; process mail and night drop deposits.
- Balance cash drawer.
- Sell money order and travelers, official and gift checks.
- Verify credit rating request signatures and process accordingly.
- Answer inquiries and direct customers to the proper department for further bank services.
- File miscellaneous items and distribute daily reports.
- Promote and cross-sell Bank services and products.
- Performs other duties as assigned.
Qualifications
Education
- High school diploma or equivalent.
- Some college business classes preferred but not mandatory.
Experience
- Cash handling, customer service, and general office experience will be helpful.
Skills/Abilities
- PC literate.
- Typing.
- Proficient in math.
- Organized and detail-oriented.
- Strong communication skills.
- 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 or equivalent.
Experience:
- Although no specific experience is required, experience in banking operations, regulatory, legal, or auditing environment or some exposure to regulatory compliance matters is a plus.
Skills and 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.
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 preferred.
Mortgage Loan Assistant (Servicing) - Los Angeles, CA
Job Responsibilities
- 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.
- Perform other duties as assigned.
Qualifications
Education
Experience
- Minimum 3 years of mortgage servicing experience.
Skills/Abilities
- Strong interpersonal and customer service skills; positive attitude; PC proficient in Microsoft Office; detail-oriented and follow through skills.
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.
Mortgage Quality Control Specialist - Los Angeles, CA
Job Responsibilities
- Perform pre-funding, post-funding and mortgage compliance reviews
- Assist Mortgage Loan Post Closing Quality Control Manager in the preparation of reports and detailing finding from prefunding and post-funding reviews.
- Prepare of weekly reports including action plan, pipeline report, mistake report, pending item report, paid in full report to inform managers up to date.
- Work with Loan Post Closing Quality Control Manager to develop, recommend and monitor corrective action and preventative actions
- Keep abreast of investor and regulatory changes and ensure awareness by production operations
- Investigate potential fraud reports for the lending area and fill Suspicious Activity Reports (SAR) with the Bank Secrecy Act (BSA) for further follow up
- Conduct QC checks on the closed loans in accordance with Board guidance
- Assist the QC & Compliance Manager with reviewing and submitting the Home Mortgage Disclosure Act (HMDA) reports.
- Perform all job duties in compliance with applicable State and Federal laws and regulations
- Any other duties and projects as assigned.
Qualifications
Education:
- Bachelor’s degree in finance, economics, or equivalent experience
Experience:
- Minimum 3 years of mortgage experience
- Exposure to all aspects of origination, servicing secondary marketing and mortgage compliance areas preferred
Skills and Abilities:
- Familiarity with internal audit policy and procedures
- Strong interpersonal skills, including the ability to interact and work respectfully and cooperatively with others
- Excellent computer skills using Microsoft Office programs and various mortgage industry related software programs.
- Demonstrated analytical skills
- Must be able to function independently and still successfully work in a team environment
- Well organized, efficient, and a self-starter with ability to work under deadlines
Mortgage Servicing Specialist - Los Angeles, CA
Job Responsibilities
- 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.
- Perform other duties as assigned.
Qualifications
Education:
Experience:
- Minimum 3 years of mortgage servicing experience
Skills and Abilities:
- Strong interpersonal and customer service skills
- Positive attitude
- PC proficient in Microsoft Office
- Detail-oriented and follow-through skills
Mortgage Underwriter - Los Angeles, CA
Job Responsibilities
- Perform a variety of mortgage loan documentation duties and ensure all tax, title, insurance and closing documentation are in place.
- Review appraisal to ensure accuracy and thoroughness to warrant the loan; Specify closing conditions.
- Review and ensure applicant's income, financial statements, credit history, debt ratios and savings.
- Approve applications for closing and funding and ensure all applicable regulations are met.
- Collaborate with team members to identify potential solutions/exceptions for denied loan files.
- Provide superior customer service while maintaining knowledge of available loan products.
- Perform other duties as assigned.
Qualifications
Education
- Bachelor's degree in business or related field preferred.
Experience
- Minimum 5 years of mortgage banking experience in loan processing & underwriting.
- Technical history with FHLMC FNMA FHA VA or equivalent mortgage products.
Skills/Abilities
- Strong analytical and auditing skills along with a firm gasp on math.
- Good decision-making skills backed by relevant details and research.
- Knowledge pertaining to mortgage regulations.
- Excellent computer skills.
- Customer service and communication skills.
- Ability to handle delicate situations with diplomacy and tact.
Risk Management Assistant - Los Angeles, CA
Job Responsibilities
- Coordinates an audit entrance & exit meeting, contacts & coordinates auditors for the Board Audit Committee meeting.
- Monitors the audit schedule, tracking logs for external & internal audit, SOX audit and regulatory examination, follow up with the business units response from the tracking logs.
- Prepares the reports for Board Audit Committee.
- Updates, reviews and tracks the Vendor Management due diligence, contract, license etc.
- Assists CRO for the Risk Assessment related to Audit, Vendor and Enterprise Risk Management.
- Monitors, tracks and reviews the monthly/quarterly/semi-annually/annually compliance certification from branches and business units, to ensure the compliance certifications are completed with validated information, report to supervisor any deficiency from compliance certification.
- Assists in projects related to the Bank's compliance obligations functions.
- Prepares reports by collecting, analyzing and summarizing information for compliance monitoring review such as HMDA, Reg B loan tracking log, flood insurance tickler log and mortgage lending compliance etc.
- Completes department administrative duties.
- Performs other duties as assigned.
Qualifications
Education
- Bachelor's degree or equivalent is preferred but not mandatory.
Experience
- Administrative experience required.
- Minimum 3or 4 years of experience in banking and knowledge of compliance regulation is preferred.
Skills/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.
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, 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 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
- 3-5 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 may be required.
SR. New Accounts Representative - Silver Lake Branch, CA
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, and 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 diploma 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.
Treasury Assistant - Buena Park, CA
Job Responsibilities
- Monitor daily Bank-wide cash activities
- Project daily, weekly and monthly liquidity and cash flow
- Review investment portfolio and correspondent bank performance
- Conduct financial review and credit underwrite for new investments
- Manage bank’s Wholesale Deposit and Brokered Deposit
- Manage bank’s Borrowing Capacity
- Monitor branch deposit balance and conduct deposit report
- Post Daily Block Entries
- Compose/Update procedures and policies in Treasury/ Finance field
- Maintain investment files, pledging activity ensure the bond system is updated
- Monthly Investment Mark-to-Market, and balancing to safekeeping statements
- Assist the Treasurer on ALCO Reporting
- Assist the Treasurer Officer on Audit Exam
- Accept other responsibilities as deemed necessary by supervisors
Qualifications
Education:
- College graduate preferably with business degree.
Experience:
- Two years bank accounting experience preferred, not required.
- Strong knowledge of banking regulations and bank products. Preferred but not required.
Skills and Abilities:
- Microsoft Office. Strong Excel skill.
- Understand financial statements and ratios.
- Strong financial data analysis and underwriting skills.
- Pre-active and willing to learn and take new tasks.
- Good verbal and written communication skills.
- Bilingual (English/Mandarin) is a plus.
Open Positions - New York
NON-OFFICER POSITIONS
Customer Service Representative (PT) - New York, NY
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
Legal Associate - Brooklyn, NY
Job Responsibilities
- Deal with matters generally related to the closing residential and commercial loans.
- Review title reports, discuss issues with title for clearance
- Draft and proofread correspondence and legal documents, such as pleadings and contracts
- Research regulations, laws, and legal articles to assist with the preparation of reports, case files, legal advice, and monitor legal matters
- Communicate with Executive Team and Legal Counsel to schedule meetings.
- Manage, organize, maintain documents in paper or electronic filing systems
- Collect, examine, and organize evidence and other legal documents for attorney review and case preparation
- Provide general administrative assistance, such as maintaining the attorney's calendar and making travel arrangements
- Keeps cases organized by establishing and organizing files; monitoring calendars; meeting deadlines; documenting actions; inputting information into file database and case management software; confirming case status with attorney.
- Conduct closings, including preparation and follow up.
- Prepare assignments of mortgage and ensure escrow agreements are signed.
- Review incoming assignments or mortgage
- Assisting with paperwork needed by the SEC, IRS, UCC, FDIC and other regulatory bodies
- Responding to requests for information
- Assisting with ethics and compliance programs
- Performing legal research
- Help train paralegals and legal assistants
Qualifications:
Education:
- JD, LLM, Bachelor’s Degree in Law or equivalent
Experience:
- Has 2 years of experience working in a law firm or legal department.
Skills and Abilities:
- Time Management Skills
- Reporting Skills
- Legal Research Skills
- Relationship Management
Mortgage Underwriter - Brooklyn, NY
Job Responsibilities
- Perform a variety of mortgage loan documentation duties and ensure all tax, title, insurance and closing documentation are in place.
- Review appraisal to ensure accuracy and thoroughness to warrant the loan; Specify closing conditions
- Review and ensure applicant's income, financial statements, credit history, debt ratios and savings;
- Approve applications for closing and funding and ensure all applicable regulations are met;
- Collaborate with team members to identify potential solutions/exceptions for denied loan files;
- Provide superior customer service while maintaining knowledge of available loan products;
- Perform other duties as assigned.
Qualifications
Education:
- Bachelor's degree in business or related field preferred.
Experience:
- Minimum 5 years of mortgage banking experience specific in underwriting
- Technical history with FHLMC, FNMA, FHA, VA, or equivalent mortgage products
Skills/Abilities:
- Strong analytical and auditing skills along with a firm grasp on math
- good decision-making skills backed by relevant details and research
- knowledge pertaining to mortgage regulations
- excellent computer skills; customer service and communication skills
- ability to handle delicate situations with diplomacy and tact.
Paralegal - Brooklyn, NY
Job Responsibilities
- Assisting lawyers in the preparation of transactional closings
- Conducting investigations and documentary research
- Creating and maintaining a case management database
- Organizing and tracking files related to case documents and important transactions
- Drafting legal documents, such as contracts, real estate leases, trusts, mortgages, assignments, transactional documents, and other legal documents
- Reviewing documentation to ensure it adheres to state law or federal tax requirements
- Participating in due diligence review
- Reviewing regulations to ensure legality of bond issuance
- Communicating with clients and other participants involved in real estate finance transactions to coordinate document review and timing matters
- Assisting attorneys in research, drafting, and the revision of loan and security documents
- Reviewing primary financing documents and title reports to determine whether conditions for closing have been satisfied
Qualifications
Education:
- Bachelor’s Degree in Political Science, Pre-law, English, or similar major
- Paralegal Degree or Certificate required
- Preferred: graduated from Law School
Experience:
- At least 2-3 years of experience, supervised by an attorney, including at least 6 months of training as a paralegal (in-house)
- Experience working through a formal internship in a specialized areas of law, such as corporate, real estate, and/or finance.
- Recent law school graduate
Skills and Abilities:
- Critical thinking skills (judgment, analysis, research, and problem-solving)
- Communication skills (oral, written, interpersonal, and nonverbal)
Open Positions - Chicago
There are no current open positions in Chicago. Please check back at a later time.
Royal Business Bank is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.
Updated 03/01/2021
