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

 

BSA Analyst – Los Angeles, CA

Job Responsibilities

• Assist in and perform the research, analysis, and investigation of account behavior for potential unusual activities in accordance with the BSA/AML/OFAC monitoring policy.
• Assist in and perform investigations for cases referred by Bank personnel for unusual activity and document findings accordingly.
• Assist in and perform investigations for cases elevated from monthly exceptions or targeted monitoring.
• Assist in investigations for subpoenas received as well as accounts with OFAC and FinCEN 314a matches for unusual activity and document findings accordingly.
• Prepare and file Suspicious Activity Reports (SARs) within regulatory timeframes and in accordance with BSA/AML Compliance policies and procedures.
• Administer essential workflow functions such as: monthly exception distribution, documenting complex cases as well as ensuring that SAR narratives include all pertinent data elements.
• Ensure all records are maintained in an organized manner and according to legally prescribed retention schedules.
• Maintain tracking of monthly pending items and statistics in the BSA/AML Dept.
• Participate in alert tuning exercises to enhance the effectiveness of the monitoring system.
• Provide effective and accurate compliance support to the Bank’s business and operating units in connection with BSA/AML/OFAC matters.
• Assist in the monitoring of new and revised BSA/AML/OFAC laws and regulations, including regulatory changes and new/emerging issues, assessing impact on the Bank, and implementing the changes.
• Assist in updating and maintaining BSA/AML/OFAC policies and procedures to maintain compliance.
• Assist in providing training and support as needed.
• Perform other duties as assigned.

Qualifications

Education: Bachelor’s degree or equivalent..

Experience: Experience in banking operations, regulatory, legal, or auditing environment with significant exposure to regulatory compliance matters preferred.

Skills and Abilities:

Excellent analytical, research, project management, and planning skills; PC proficient; organized and detail-oriented; strong written and verbal communication skills. Knowledge of BSA/AML, USA PATRIOT Act, OFAC laws and regulations, and CTR and SAR reporting requirements.

 

Central Operations Specialist – Buena Park, CA

Job Responsibilities

• Processes and performs the following functions: OASIS 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 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.

 

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.

 

JR. BSA Analyst– Los Angeles, CA

Job Responsibilities

• Receive training, learning BSA/AML legal requirements and bank policies and procedures.
• Assist in and perform 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. Jr Analysts are expected to learn enough to eventually transition into a BSA Analyst role. Additional tasks above and beyond those expected of a Jr BSA Analyst may be assigned to ensure that the transition is appropriate.
• 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 with exposure to regulatory compliance matters is preferred.

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.

 

JR. Risk Analyst (2)– Los Angeles, CA

Job Responsibilities

• Receive training, learning Risk Management and Compliance Regulations requirements and bank policies and procedures
• Coordinates an audit entrance & exit meeting, contacts & coordinates auditors for the Board Audit Committee meeting, prepares the reports for Board Audit Committee
• 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
• Assists CRO for the Risk Assessment related to Audit 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.
• Assists in the compliance monitoring review by collecting, analyzing and summarizing information such as HMDA, Reg B loan tracking log, flood insurance tickler log, mortgage lending compliance and other compliance regulations.
• Completes department other administrative duties if necessary
• Performs other duties as assigned.

Qualifications

Education: Bachelor’s degree or equivalent is preferred.

Experience: Minimum 1 or 2 years of experience in banking and knowledge of compliance regulation is preferred but not mandatory.

Skills and Abilities: Excellent analytical, research, project management, and planning skills; PC proficient; organized and detail-oriented; strong written and verbal communication skills. Good knowledge of banking operations.

 

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 Assistant – 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.

 

Mortgage Quality Control Assistant (2) – Los Angeles, CA

Job Responsibilities

• Assist QC Specialist to perform pre-funding, post-funding and mortgage compliance reviews
• Assist Mortgage Loan Post Closing Quality Control Manager in the preparation of reports and detailing finding from prefunding and post-funding reviews.
• Prepare of weekly reports including action plan, pipeline report, mistake report, pending item report, paid in full report to inform managers up to date.
• Investigate potential fraud reports for the lending area and fill Suspicious Activity Reports ( SAR ) with the Bank Secrecy Act (BSA) for further follow up
• Assist QC Specialist to conduct QC checks on the closed loans in accordance with Board guidance
• Assist the QC & Compliance Manager with reviewing and submitting the Home Mortgage Disclosure Act (HMDA) reports.
• Perform all job duties in compliance with applicable State and Federal laws and regulations
• Any other duties and projects as assigned.

Qualifications

Education: Bachelor’s degree in finance, economics, or equivalent experience.

Experience: Minimum 0-1 year of mortgage experience or equivalent experience;

Skills and Abilities: Strong interpersonal skills, including the ability to interact and work respectfully and cooperatively with others; Excellent computer skills using Microsoft Office programs and various mortgage industry related software programs.; Demonstrated analytical skills; Must be able to function independently and still successfully work in a team environment; Well organized, efficient, and a self-starter with ability to work under deadlines.

 

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.

 

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 – IL

 

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.

 

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.

 

Open Positions - New York

 

New Account Representative – Edison Branch, NY

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 and Abilities: PC literate; organized and detail-oriented; strong communication skills; bilingual (English/Mandarin) may be required

 

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: 09/23/2022