Job Openings
At American Plus Bank, employees are our greatest assets and key to our success with customers. We value each other and are committed to every employee’s personal and professional growth. American Plus Bank is an Equal Opportunity Employer.
Underwriter/Portfolio Officer is responsible for negotiating, underwriting and coordinating the closing of commercial loans in compliance with the Bank's lending policies and procedures; to develop business checking and deposit relationships with customers; and to promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
DUTIES
- Underwrite new loans and develop new customer relationships.
- Service credit needs of existing and new customers.
- Consult with clients for financial and credit analysis, validate valuations of collateral.
- Coordinate with Loan Originator/Business Developing Officer and prepare loan write-ups for management and loan committee review.
- Assist Business Development Officer/Branch Manager in implementing business plan and marketing strategy to achieve the Bank’s financial objectives and CRA goals.
- Manage existing client relationships/loan portfolios; maintain adequate and complete filing and documentation including annual renewal and regular loan/financial covenants.
- 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.
- Cross sell other Bank products and services.
- Provide leadership, training and support to less experienced staff members within the assigned branch’s lending unit.
- Follow the Bank’s BSA policy.
- Accept other duties as deemed necessary by the supervisor, credit administration and executive management.
QUALIFICATIONS
Education: Bachelor degree in Business Administration or Finance is preferred.
Experience: Minimum 7 years of experience in originating and underwriting commercial loans, including commercial term loans, construction loans, line of credit, etc. and deposit with a track record of business development.
Skills/Ability: Extensive knowledge of financial analysis, economic trend, loan origination with business development skills. PC proficient in Word and Excel. Excellent verbal and written communication skills are required. Bilingual (English/Mandarin) is preferred.
** Salary Range: $85K to $100K per year; EOE
SUMMARY
Under supervision of department manager and Chief Credit Officer, handle all note related functions to ensure smooth daily operations, safe keep collateral documents, and maintain consistent workflow. Functions include, but not limited to, preparing accurate loan documents, boarding and servicing of various types of loans, centralized document preparation/control, payment processing, transacation callback review, managerial report preparation and monthly certifications.
DUTIES
•Prepare loan documents using LaserPro in accordance with approved credit organizations.
•Review borrower-related legal documents submitted by loan officers and prepare loan documentations accordingly.
•Communicate with title and escrow companies and prepare lender's instructions.
•Board and fund approved loans through setup, maintain, and safe keep loan files; enter and/or review system transactions.
•Take full custody of borrower-related legal documents and ensure timely and precise loan closing, funding, and ultimate purge according to the approved conditions.
•Maintain tracking system to follow up post-closing pending items and title exceptions.
•Provide backup support to note function including call back loan payments/daily posted transactions.
•Provide supervisory support to Note Operations manager.
•Handle inquiries from customers and bank internal personnel, and ensure resolution of problem (s) with high service quality.
•Conduct training for other designated personnel on all note related tasks to strengthen cross training and backup within the department.
•Accept all duties including special projects as deemed necessary by the supervisor.
QUALIFICATIONS
Education: College graduate with a degree in business administration or accounting preferred but not mandatory.
Experience: Five to seven years of experience in general banking and/or loan boarding and funding of consumer/commercial loans.
Skills/Ability: PC literate, organized and detail-oriented. Strong verbal and written communication skills. Comprehensive knowledge of loan terminology. Multi-lingual skill a plus.
** Salary Range: $70,500 to $90,000 per year; EOE
SUMMARY
Manage customer services and operations functions of the assigned branch. Ensure branch operations activities run smoothly and efficiently by coordinating staff for coverage in all related areas of branch operations, reviewing and approving transactions within guidelines, reviewing daily operations reports, and ensuring regulatory compliance and staff adherence to Bank policies and procedures. Maintain operational integrity and minimal operations loss of the branch.
DUTIES
- 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 including but not limited to BSA, information security, bank security, and privacy policies.
- Ensure the branch effectively manages the risks associated with each customer relationship. Utilize good judgment to ensure that any potential loss situation that could adversely affect the Bank is given an adequate level of visibility with senior management as well as appropriate units within the Bank.
- Ensure sound operating conditions are maintained in the branch by utilizing the timely completion of monthly branch certifications and operational reviews.
- Participate with Branch Manager and Regional Management in determining client objectives and quality of service. 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 client relations/satisfaction. 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 colleagues in resolving procedural and personnel administration problems. Provide instruction and cross training on Bank procedures and banking regulations. Ensure performance reviews/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.
- Manage to Process outgoing returned items and/or charge-back items to deposit accounts.
- Approve the ordering of branch supplies.
- Ensure review inclearing interest checks items for all branches.
- Ensure Balancing interest check for all branches.
- Ensure ATM Debit card reconciliation for all branches.
- Ensure Return non-post ACH item and check for all branches (no account on file).
- Manage in Legal Process for all branches.
- Manage in all Accounting dept/# 88 transactions like open, maintain & close accounts.
- Manage to Set up/change/delete Loan ACH auto payments for BHG borrowers.
- Backup to approve Mobile Deposits for all branches.
- Serve as Security Officer for the branch.
- Accept other duties as deemed appropriate by supervisor.
QUALIFICATIONS
Education: College degree with business classes preferred but not required.
Experience: 5 to 7 years of bank branch operations experience with transactions approval authority and supervisory responsibility.
Skills/Ability: Thorough knowledge of bank branch operations-related regulations and bank products, and good verbal/written communication skills in English and/or Chinese.
** Salary Range: $70K to $75K per year; EOE
SUMMARY
Managing customer services and operations functions of the assigned branch, Assistant Operations Officer ensures operations activities run smoothly and efficiently by coordinating staff for coverage in all related areas of branch operations, reviewing and approving transactions within guidelines, reviewing daily operations reports, and ensuring regulatory compliance and staff adherence to Bank policies and procedures.
DUTIES
•Manage the operations functions of the branch to ensure the highest level of customer service, operating efficiencies, and compliance with the Bank’s operating standards and regulatory requirements.
•Ensure the branch effectively manages the risks associated with each customer relationship. Utilize good judgment to ensure that any potential loss situation that could adversely affect the Bank is given an adequate level of visibility with senior management as well as appropriate units within the Bank.
•Ensure sound operating conditions are maintained in the branch by utilizing the timely completion of monthly branch certifications and operational reviews.
•Assist in attaining established Bank and branch goals through cross-selling.
•Meet with staff on regular basis to discuss new and existing products, service productivity and client relations/satisfaction. 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 colleagues in resolving procedural and personnel administration problems. Provide instruction and cross training on Bank procedures and banking regulations. Ensure performance reviews/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.
•Prepare BSA related monitoring reports.
•Accept other duties as deemed appropriate by supervisor.
QUALIFICATIONS
Education: College degree with business classes preferred but not required.
Experience: Minimum 5 years of bank branch operations experience with transactions approval authority and supervisory responsibility.
Skills/Ability: Thorough knowledge of bank branch operations-related regulations and bank products, and good verbal/written communication skills.