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 to 

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

or email us.

For internal employees,
If you are interested in any of the job positions, please contact Madeleine Sung at 626.854.9719.

Jr. Universal Banker/Trainee - City of Industry

Loan Review/Quality Control Officer - Pasadena 

SBA Business Development Officer - Northern CA 

Branch Manager - Milpitas

Mortgage Loan Officer - City of Industry 

Mortgage Loan Processor - City of Industry

Mortgage Underwriter - Arcadia

Jr. Universal Banker/Trainee - City of Industry 

ESSENTIAL JOB FUNCTIONS:

1. Receives checks and cash for deposit to savings and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability.
2. Cashes check and pays money from savings and checking account upon verification of signatures and customer account balances. Inspects all checks, bonds, money orders, savings withdrawals, to determine their negotiability.
3. Prepares and compiles new customer application and information to open new accounts.
4. Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business.
5. Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.
6. Responds to customer inquiries and requests regarding account.
7. Uses customer interactions as an opportunity to educate and cross-sell customers on Bank’s products and services, including deposit accounts and loans. Exercises sound customer service and sales techniques to identify customers’ needs. Fully explains the features and benefits of the Bank’s accounts and services making appropriate referrals based on customers’ needs.
8. Acts as an expert and trusted resource for all direct-to-consumer products including online & mobile banking, mobile check deposit, bill pay, funds transfer, online statements, online loan & deposit acquisition, telephone & text message banking, ATMs, and the Bank’s corporate website, among others
9. Maintains a firm understanding of new products and services and generate new business to assist in meeting establishment profitability goals.
10. Answers and routes telephone calls, takes messages, provides information and directs calls to appropriate staff as necessary
11. Manages multiple priorities and holds self-accountable for performance
12. Assist Branch Manager or Customer Service Manager on projects as necessary.

QUALIFICATIONS:

1. Education: High school diploma or general education degree (GED)
2. Years of Experience: One to three years related experience
3. Skills & Abilities: Excellent verbal, written and interpersonal communication skills. Must be organized and have computer skills. Possesses strong sales, interpersonal, organizational, and time management skills; previous cash handling and customer contact experience is required; proficiency in Microsoft Office (OUTLOOK, EXCEL, and WORD) is required.
4. Specifications: It is the individual responsibility of every employee to maintain a current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures, and to comply fully with those laws, regulations, policies and procedures. The above statements are intended to describe the general nature and level of work being performed.  They are not intended to be construed, as an exhaustive list of all responsibility, duties and skills required of personnel so classified.

1. Pre-Closing – Review all relevant information and documentation necessary to ensure the loan file is complete before closing. This includes but is not limited to ensuring the following documentation is included in the file: real estate title information, flood certificates, appraisals, surveys, lien searches, and appropriate borrowing entity documents. This duty is performed only on residential mortgage loan originations and may be performed on a sampling basis, depending on volume of loans generated.
2. Post-Closing – On a sample basis, review documents for all types of loans to ensure documentation is accurate, complete, and approved in compliance with regulations and Bank policy. Review financials, loan approvals and all credit related forms to ensure loans were underwritten, approved, and closed in compliance with the Bank’s loan policy.
3. Prepare monthly/quarterly/annual reports summarizing the pre and post closing review activities and the results of other analysis performed.
4. Complete all necessary training, including cross-training in functions within the Risk Management area. Maintain knowledge of current lending policies, procedures, and federal/state regulations.
5. Identify opportunities for business process improvements and/or potential control enhancements, evaluate their feasibility, and, if appropriate, work with the applicable business unit to ensure implementation.
6. Adhere to all company policies and procedures, as well as all applicable banking rules, regulations and laws (including BSA/AML).
7. Perform other duties/tasks as necessary, which may include providing assistance and support to other bank personnel, functions, or areas.

QUALIFICATIONS:

1. Education: College Degree in Finance, Economics, Accounting, or other Business related field.
2. Years of Experience: Minimum 3 years banking experience, mostly in a credit/lending function.
3. Skills/Ability: Research/data analytics skills, good communication and interpersonal skills.  
4. Knowledge: Business, Economics, Banking, Microsoft Office Applications.
5. Training Courses Required: Online and on-the-job training will be provided and required during employment.  

SBA Business Development Officer – Northern CA Location

ESSENTIAL JOB FUNCTIONS:

Branch Manager – Milpitas

ESSENTIAL JOB FUNCTIONS:

Mortgage Loan Officer – City of Industry 

REQUIREMENTS :
 
1. Experience with conventional conforming agency mortgage, and portfolio loans.
2. Build direct relationship with real estate brokers and/or realtors to solicit mortgage loans and achieve production goals. 
 
SKILLS/ABILITIES:

1. Must have effective written and verbal communication skills and adapt well to a fast paced business environment
2. Must be PC desktop proficient; must demonstrate ability to work in a team-oriented environment as a good team player and provide good customer service
3. Bilingual is a plus/English & Mandarin. 
4. Must be a U.S. Citizen or green card holder.  
5. College degree preferred.
6. Must satisfy existing NMLS license requirements.  Candidate must have previous 20-hour loan course completed.
7. Full-time, basic salary plus high commission plan, medical/dental insurance, 401k and other benefits.

Mortgage Loan Processor – City of Industry

QUALIFICATIONS & EXPERIENCE:

1. Responds to inquiries from mortgage customers concerning loan status. 
2. Reviews all new loan submissions for completeness and accuracy when preparing borrower’s initial disclosures
3. Order and review 3^rd party documentation such as title, appraisal, flood and credit reports.  Document critical information in file for underwriter review. Address issues related to preliminary title report, appraisal requests and reports, flood determination and certification, hazard insurance, and credit reports. Must be knowledgeable on calculating debt ratios, income tax analysis, tax returns including all schedules.
4. Process loans based on Bank’s policies and guidelines and provide support to loan originators.   
5. Prepares documentation and written correspondence to mortgage customers.
6. Obtains all documentation to satisfy underwriting conditions and collateral information.
7. Perform other non-routine inquiries and other duties as required by management.

MINIMUM REQUIREMENTS:

1. 2+ years preparing mortgage loan documents
2. 2+ years using of loan origination system such as Mortgagebot/LOS, Calyx Point, Encompass, etc.


Mortage Loan Underwriter - Arcadia

QUALIFICATIONS & EXPERIENCE:

1. Review loan files for completeness and accuracy including but not limited to, calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation.
2. Evaluate debt and loan-to-value ratios, credit score, property valuation and various other factors
3. Determine and document loan conditions, communicate requirements, and/or decisions
4. Identify loan credit risks resulting from the applicant's underlying business practices, underwriting, and/or fraud exposure
5. Maintain knowledge of all applicable agency and non-agency underwriting guidelines
6. Knowledge of automated and manual underwriting and issue full underwriting’s condition notice 
7. Knowledge and use of loan origination system Mortgagebot/LOS, Calyx Point, Encompass, etc.
8. Knowledge and familiarity with current mortgage policies/procedures, compliance laws and regulations-including TRID-and understanding of mortgage regulatory changes
9. High producer with attention to quality
10. Strong commitment to customer service and satisfaction
11. Perform other non-routine inquiries and other duties as required by management

MUST HAVE REQUIREMENT:
1. 2+ years underwriting and loan review/due diligence (post-close) experience in the residential mortgage industry