About Us

Career Opportunities

EverTrust Bank offers a competitive salary and comprehensive benefit packages including paid time off, 401k matching, Medical, Dental and Vision insurance.  We are an EEO employer providing equal employment opportunities to all qualified applicants regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran or disabled status.

Please send resume and salary history to 

Human Resources, EverTrust Bank
18645 E. Gale Avenue, Suite 230
City of Industry, CA 91748

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EverTrust Bank is an equal opportunity employer.

Senior Mortgage Underwriter – Arcadia location

Mortgage Loan Officer – Arcadia location

Mortgage Loan Processor
– Arcadia location

Customer Service Banker – City of Industry location

Personal Banker – Alhambra location

SBA Business Development OfficerWork location: Southern CA (one opening); Northern CA (one opening)



Senior Mortgage Underwriter – Arcadia location

ESSENTIAL JOB FUNCTIONS:

1. Underwrite agency conforming loans and also have the ability to manually underwrite portfolio mortgage loans
2. Review and evaluate loan documents to ensure accuracy, completeness, and compliance with Bank and Secondary Market investor standards, federal and agency standards and guidelines, as well as applicable state-specific, and or local regulations, ordinances, etc.
3. Analyze borrower's LTV and DTI ratios, credit report, application, income and assets, sourcing of downpayment, and related supporting documentations to identify potential fraud or misrepresentations
4. Review appraisal valuation reports to ensure that loans meet Secondary Market investor and Bank standard requirements
5. Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize loan packages to complete underwriting
6. Assess and require when rendering underwriting conditional notices whether additional documentation or information would aid in loan decision, as necessary
7. Provide counter-offer options and recommendations for the borrowers thru Loan Officers so they can convey suitable loan programs, though this does not deter release of adverse action notices to borrowers, when applicable
8. Keep abreast to adhere with regulatory requirements and industry trends affecting compliance and decision-making
9. Verify and validate data entries in LOS for accuracy and match it to automated underwriting system when running agency's loan decision through Loan Prospector or Desktop Underwriter
10.  Assist and support other team members with escalated issues; make recommendations or resolution to management 11.  Other duties that may be assigned by the Mortgage Team Leader and other senior management

QUALIFICATIONS:

1. Education:  Minimum high school graduate or GED equivalent required
2. Years of Experience:  Minimum mortgage experience of 3 to 5 years in mortgage lending environment not limited to opening/processing, underwriting, funding, post-closing, investor shipping
3. Skills:  Must have strong  professionalism, customer care, thoroughness, confidentiality, excellent written and verbal communication skills, mathematical skills, self-starter, ability to work independently, strong time management and organizational skills, ability to think critically including ability to evaluate facts and data to draw conclusions and determine the downstream impact of decisions and associated risks.  Must have the ability to prioritize multiple tasks in a deadline-driven environment with strong sense of urgency and responsiveness.
4. Knowledge:  Familiarity with banking regulations and responsibilities related to mortgages, liens, tax returns, financial statements and records, thorough knowledge on complex personal and/or business financials, verificaton of income and deposits, appraisal valuations, AUS, and correspondent underwriting.
5. Training Courses Required: Preferred with training background on Mortgage Underwriting; Appraisal Valuation; DU/LP Automated Underwriting; Mortgage Loan Origination; Self-employment, etc.

Mortgage Loan Officer – Arcadia location

ESSENTIAL JOB FUNCTIONS:

1. Solicit new mortgage loan applications and leads by developing relationships within the community including agents from realtor companies; and making sales calls to prospective customers
2. Meet with applicants to obtain borrower information and answer questions about mortgage loan process with the use of the Point-of-Sale (POS) system or traditional handwritten loan application. 
3. Explain to customers the different types of loans and credit options that are available to them including terms of products and services
4. Examine borrower's loan application and supporting documentations for prequalifications; analyze borrower's financial status, credit, and property's valuations to pursue loan submission and approval;  estimate borrower's credit-worthiness and calculate repayment risk factors
5. Obtain and compile copies of borrower's financial information that includes credit histories, corporate financial statements, and other required escrow documents to complete a loan submission.  Monitor and satisfy collection of required processing, underwriting, and closing documents, that includes verification status, and closing documents; coordinate scheduling of loan closing with escrow
6. Handle customer complaints and take appropriate action to resolve them.  Confer with  processor and/or underwriter to aid in resolving mortgage application problems to closure.
7. Adhere with Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) rules and maintain an active status with good standing via National Mortgage Licensing System Registry
8. Stay abreast of all offered types of loans, other financial services and products, and regulatory compliance
9. Other duties and responsibilities that may be assigned by the  Mortgage Team Leader and other senior management

QUALIFICATIONS:

1. Education:  Associate's or Bachelor's degree, preferred
2. Years of Experience:  Minimum 2 to 3 years of residential mortgage sales experience is required.  Preferably has worked within the mortgage industry in the last 3 to 5 years.
3. Skills:  Must have excellent written and verbal communication skills, detail oriented, high degree of accuracy, mathematical skills, self-starter, ability to work independently, strong time management, good organizational skills, competence with computers and related software.
4. Knowledge:  
Must have knowledge on
• Mortgage principles
• Mortgage loan origination and SAFE Act
• Real Estate Settlement Procedures Act (RESPA)
• Homeowner's Protection Act (HPA)
• Truth in Lending Act (TILA)
• Privacy laws
• Fair lending laws
• Loan process and underwriting
5. Training Courses Required:Mortgage Loan Originator requirements under the SAFE Act preferred

Mortgage Loan Processor – Arcadia location

ESSENTIAL JOB FUNCTIONS:

1. Receive and review loan applications and other related documents submitted by MLO and/or borrower for acceptance; create credit file package and enter/validate borrower and loan data into the loan origination system
2. Order necessary documents thru applicable third parties including (but not limited to): USPS, LDP/GSA, MERS, VOE’s, Credit Report, Flood Certificate, DataVerify/Fraud Audit Services, Title, Appraisal, Transcripts, Condo Questionnaire/Warranty, Subordination Agreement, Payoff, Insurance, etc.
3. Generate and deliver initial borrower disclosures with adherence to TILA/RESPA/MDIA rules
4. Receive and validate all necessary borrower signatures and acknowledgments related to the application, disclosure, and pre-underwriting phases of the loan origination process
5. Review and validate initial escrow and title documents including escrow instructions, preliminary title report, purchase agreement, estimated settlement statement, homeowners insurance, etc.
6. Follow-up with the loan officer, underwriter, escrow company, or borrower if necessary, to resolve pending conditions; continuously update the LOS system, and to sign-off on allowable non-UTR (underwriter to review) approval conditions   
7. Run, validate, and obtain all applicable LOS requirements.
8. Ensure all documents meet investor requirements
9. Assist with secondary market investor loan purchase clearing
10. Other duties that may be assigned by the Mortgage Team Leader and other senior management
 
QUALIFICATIONS:

1. Education:  Minimum high school graduate or GED equivalent required
2. Years of Experience:  At least two years of experience in mortgage originations, loan processing, quality assurance, or other related functions
3. Skills:  Ability to work independently with minimum supervision; must be a team-player; strong PC skills; must be able to complete data entry with exceptional accuracy; excellent written and verbal communication skills; solid attention to detail; must be proactive and reliable; ability to multitask and effectively manage time; participate in proactive team efforts to achieve departmental and company goals; promote a positive team work environment through the sharing of knowledge and skills; comply with all safety policies, practices, and procedures
4. Knowledge:  2015 TRID and mortgage loan disclosures, credit reports, escrow instructions, home purchase agreements, Form 1003 loan application, and a good working knowledge of applicable lending regulations.   
5. Training Courses Required:  Preferred with training background on Fundamentals of Mortgage; Mortgage Loan Processing; Mortgage Loan Origination

Customer Service Banker 
– City of Industry location

ESSENTIAL JOB FUNCTIONS:

1. Process Customer’s deposits such as checks and cash.  Verify amount, examine checks for correct payee name and endorsements; enter transactions into the computer, print receipts to customer.
2. Perform check encashment (cashed checks) after verification of signatures, account balance and stop payments.  
3. Process night deposits, mail deposits and courier service deposits.
4. Perform online entries to record Monetary Instrument Log.
5. Accept outgoing wire transfer request form from our customer, verify signature and ensure sufficient balance to perform the wire request.
6. Order cash from vault and sell cash to vault.
7. Assist in the preparation of cash shipment to FRB.
8. Place holds on the computer for accounts with uncollected funds.
9. Place stop payment orders on the computer for customer.
10. Call back previous day’s transactions.
11. Scan daily transactions for nightly processing.  Secure over the counter documents for records retention.
12. Preparer Currency Transaction Reports (CTR) as necessary.
13. Balance cash drawer at the end of the day.
14. Scan DDA and SAV new accounts signature cards.
15. File signature cards and other bank related documents for newly established accounts.
16. Allow customer with Safe Deposit Box access to their boxes after signature verification.
17. Act as “second” for opening and closing of vault.
18. Call back safe deposit box entrances against the report on a monthly basis.
19. Perform other duties as assigned.  

QUALIFICATIONS:

1. Education:  College degree preferred but not mandatory.
2. Years of Experience:  1 - 2 years of branch operations experience desired.
3. Skills:  Excellent verbal, written and interpersonal communication skills.
4. Knowledge:  Banking Laws, Regulations, Internal Policies and Procedures.  

Personal BankerAlhambra location

ESSENTIAL JOB FUNCTIONS 

1.    Able to obtain all relevant/required documentations to establish a new account (personal and/or business).
2.    To proficiently interview new customers and obtain new customer’s information to met Customer Identification Program (CIP) requirements.
3.    To proficiently interview new business customers and ascertain the type of business and establish adequate customer profiling.
4.    To cross-sell other bank products and services when opportunity arises.
5.    To verify new customers against CheckSystems and perform initial OFAC scrutiny.
6.    Access and print out the TCD daily maturity report and contact customers as necessary.
7.    Access and print out the DDA, SAV closed account report, pull out the signature card and folder, stamp "closed" on signature card.
8.    Comply with account holder’s instruction for existing TCD renewals.
9.    Mail out TCD interest checks.
10.  Follow up with NRA to re-certify their W-8BEN (non-resident status).
11.  Perform all types of account maintenance such as change of address, change of account type, etc.
12.  To handle TCD settlement transactions.
13.  Follow up pending documents.
14.  Balance safe deposit box rental fees G/L accounts and key deposit G/L accounts.
15.  Assist the CSM in the preparation of the monthly certification report.
16.  Assist the CSM in the ordering of office supplies.
17.  Back-up the role of the Customer Service Banker, as necessary.
18.  Special Assignments.

QUALIFICATIONS:

1.    Education: College degree preferred but not mandatory.
2.    Years of Experience: Minimum of 3 years of branch operations. Have account documentation concepts.
3.    Skills/Ability: Excellent verbal, written and interpersonal communication skills. Must be organized and have computer skills.
4.    Knowledge: Banking laws, Regulations, Internal Policies and Procedures

SBA Business Development Officer – Northern CA Location & Southern CA Location

ESSENTIAL JOB FUNCTIONS

1.  Originate new deals based on annual budget
2.  Attend initial meetings with prospects/new clients
3.  Work with client to complete SBA loan package
4.  Work with team leader to structure loan
5.  Assist in credit analysis and underwriting process
6.  Ability to understand credit risk
7.  Work with Closing Department on getting loans booked and closed
8.  Work with SBA servicing in obtaining financial updates from borrowers
9.   Assist Team Leader in training internal staff bank-wide.
10.  Establish a strong referral network

QUALIFICATIONS:
1. Education: College/ Business major preferred
2. Years of Experience: Min of 5 years
3. Skills/Ability: proven business development focus
4. Knowledge: SBA SOP, Accounting, CA Real Estate Procedures

 

 


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