Personal Credit Card - Learn More
Business Credit Card - Learn More


Careers at

Royal Business Bank

An EEO and E-Verify Employer


Please send resume to:


Royal Business Bank

123 E. Valley Blvd., #201

San Gabriel, CA  91776

Attn:  Human Resources

- or -






Open Positions - California





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.


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

2-4 years of experience with CRE/commercial underwriting (various asset classes).

CRE and C&I/SBA experience preferred.

Relationship/Portfolio management experience preferred.

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.



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.



Bachelor’s degree in finance, economics, or equivalent experience

Minimum 3 years of mortgage experience;

Exposure to all aspects of origination, servicing secondary marketing and mortgage compliance areas preferred

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


SBA Loan Closing Officer – Los Angeles

Job Responsibilities

Prepares SBA application documents and submission to SBA for approval (GP and PLP submission); Prepares SBA loan authorization.

Collects and reviews documents required for closing; prepares and maintains credit files through to loan closing.

Works closely with escrow, title, marketing and loan administration personnel to ensure timely and efficient loan closing and post-funding follow up.

Assists in operational duties of the department, including secondary market sales, tickler maintenance and payment of referral fees and associates vendors, i.e. appraisal, environmental, title fees, etc.

Prepares various monthly reports.

Interacts with customers to assist in collecting necessary information for loan processing and servicing.

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

Performs other duties as assigned.


College degree in accounting or business preferred.

 2-3 years of experience in SBA closing, documentation and lending preferred.


PC literate in MS Word and Excel.
Thorough accounting concepts.
Good verbal and written communication skills.
Organized and detail-oriented with the ability to function in a team environment.
Bilingual (English/Mandarin) is a plus.

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.


High school diploma or equivalent

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

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


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.



High school diploma or equivalent.


Minimum 0-2 years of experience in assistant work which includes experience in an administrative role.


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


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.



Bachelor’s Degree.


Administrative experience required.

Knowledge of compliance regulation is preferred.


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.


Wire Operations Specialist - Los Angeles, 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.



High School Diploma.


Minimum 1 year experience with a bank is highly encouraged.


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






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.

College degree with business classes or equivalent

Three to five years of bank branch operations experience with transaction approval authority and supervisory responsibility

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.

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


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


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



Open Positions – New York





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.




Bachelor’s degree in business, finance or related field.


Three to five years of commercial lending experience, preferably in a financial institution setting.


Bilingual Chinese/English required.

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.






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



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

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

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



Human Resources Specialist – Flushing, NY

Job Responsibilities

Completes full-cycle recruiting which includes: Posts position, sources job applicants, screens resumes, interviews candidates (by phone or in person), conducts references and background checks, makes recommendations for hire (or not hire) and delivers employment offers for both exempt and nonexempt position openings.

Uses traditional and nontraditional resources, such as career fairs, online job fairs, community network events, etc. to identify and attract quality candidates.

Develops strong talent pipeline.

Coordinates internal transfer process, including screening, coordination of interviews with hiring managers, transfer information, etc.

Maintains job descriptions.

Develops and maintains relationships with employment agencies, universities, and other recruitment sources.

Conducts new employee orientation to explain employment policies, compensation, and benefit programs.

Coordinates workers’ compensation and leave of absence cases in accordance with established company procedures.

Assists in conducting exit interviews.

Interprets policies to current and prospective employees, including employee benefits.

Performs other duties as assigned.



Bachelor’s degree in Human Resources or related field.


Minimum 4 years HR experience required.

Previous bank experience desired.

2 years full-cycle Recruitment experience required.

Familiarity in applicant tracking systems and resume databases.

Prior experience with an HRIS database preferred.


Strong computer skills including spreadsheet experience required.

Excellent oral and written communication skills and superior interpersonal skills required.

Demonstrated ability to exercise sound judgment in handling confidential and sensitive information including employee compensation, medical benefits inquires and employee payroll deductions.

Ability to complete job responsibilities with a minimum of supervision and to exercise a reasonable amount of independent judgment.

Ability to communicate technical information involving payroll and benefits in a clear and forthright manner, encouraging trust and confidence in the payroll and benefits systems. Ability to conduct work relationships in a professional and courteous manner.

Ability to coordinate efficient performance of numerous unrelated tasks.

Demonstrated ability to manage time and meet deadlines.

Bilingual in English and Mandarin Chinese required.

PHR preferred.



Loan Closing Assistant - Brooklyn, NY


Job Responsibilities

Communicate with the necessary parties to ensure timely scheduling of loan closing.

Coordinate resources from other departments and/or vendors necessary to close and fund the loan.

Work closely with the title company on outstanding closing conditions.

Compute final closing numbers and validate funds prior to disbursement.

Audit loan files prior to and after funding is obtained.

Verify accuracy and consistency of specifications on documents to ensure adherence to government, company, and investor guidelines.

Complete funding sheets to enter new loans into Bank’s core system.

Document system notes with important details pertaining to loan transaction.

Compile closed loan package for delivery to Post Closing/Secondary Marketing for sale to investors.

Ensure all loans are in compliance with (TRID) TILA RESPA Integrated Disclosures.

Perform all job duties in compliance with applicable State and Federal laws and regulations.

Any other duties and projects as assigned.


High School Diploma

1 year experience in banking, lending or servicing or loans preferred.


Proven ability to listen to customer needs and recommend solutions in a professional and concise manner.

Strong attention to detail and familiarity with legal concepts and documents.

Proficient in spelling, grammar and composition of correspondence and closing documentation.



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.




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


2-3 banking experience, preferred.


Strong analytical and underwriting skills.

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



Retail Banking Assistant - Brooklyn, NY

Job Responsibilities

Provide administrative support to Retail Banking and Facilities group through project coordination, invoice review and monitoring.

Review and monitor supplies and forms and their inventory.

Propose and coordinate charity events.

Prepare meeting minutes, distribute and monitor review of them.

Review and perform market analysis.

Facilitate advertising campaigns.

Perform minor financial analysis.

Perform general clerical duties.

Perform other duties as assigned.



High school diploma, college degree preferred.

One to two years of administrative support experience.
Branch banking knowledge is a plus.


Excellent interpersonal and communication skills.
Must have good organization and time management skills.
Must be detailed oriented.
Strong computer skills, including MS Excel Word & Office.
Good understanding of financial institution products and services.
Ability to operate standard office equipment.
Bilingual in Chinese/English preferred.



Mortgage Loan Processor - Brooklyn, NY


Job Responsibilities:

Communicate with borrowers, underwriters and loan officers to assemble file for underwriting.

Ensure that all of the documentation necessary to obtain loan approval has been received, reviewed and updated.

Review all files for completeness and accuracy prior to loan submission.

Review items needed on conditional approval.

Obtain and verify all underwriting and funding conditions.

Submit loan for final approval to underwriting.

Maintain a pipeline of loans and is responsible for the timely and compliant flow of loans until closing.

Perform other duties as assigned.



High school diploma or equivalent

AA degree preferred.

Minimum 2 year of current mortgage experience or loan processing experience.

Computer literate.

Effective verbal and written communication skills.

Excellent time management and organizational skills.

Knowledge of FNMA, FHLMC, VA and FHA guidelines.

Bilingual (English/Mandarin) Preferred





Part Time:
Flushing Center Branch – 40-48 Main Street. Flushing, NY 11354

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

Elmhurst Branch - 86-55 Broadway. Elmhurst, NY 11373


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.



High school diploma or equivalent.


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


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



Administrative Clerk (Part Time)
Flushing Center Branch – 40-48 Main Street. Flushing, NY 11354
Flushing South Branch – 42-08 Main Street. Flushing, NY 11355

Job Responsibilities

Provide customers access to Safe Deposit Boxes.

Scan account opening and other documents for uploading to various systems.

Compile and maintain records and data.

Update files, and maintain a variety of records and data.

Type or produce reports or correspondences utilizing computer software.

Perform data entry task.

Perform other duties as assigned.




High school diploma or equivalent.


Administrative experience preferred.


Familiar with Microsoft software programs; organized and detail-oriented.



Royal Business Bank is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.


Updated 12/03/2019