Careers

Home Mortgage Loan Officer – Fort Lee, NJ
Full-Time / On Site

We are a growing, dynamic bank looking to expand our mortgage lending capabilities. As we create a new department dedicated to delivering exceptional mortgage services to our clients, we are looking for experienced and motivated individuals to join our team. This is an exciting opportunity to be part of an evolving department with the potential to make a significant impact on our operations and customer satisfaction.

Job Summary

We are seeking a highly skilled and knowledgeable Home Mortgage Loan Officer to join our newly established Home Mortgage Department. In this role, you will be responsible for evaluating and analyzing mortgage loan applications, ensuring compliance with both internal policies and regulatory requirements. The ideal candidate will have a strong background in residential mortgage underwriting, in-depth knowledge of home mortgage policies and procedures, and comprehensive knowledge of mortgage compliance. Your expertise will play a key role in helping to build and maintain the department’s success.

Key Responsibilities

• Review and analyze loan applications to determine applicant eligibility and assess creditworthiness based on established underwriting guidelines.
• Ensure all required documentation is complete and meets regulatory and company standards, paying special attention to compliance with federal, state, and industry regulations.
• Evaluate risk factors associated with loan applications, ensuring compliance with lending policies, regulatory requirements, and bank guidelines.
• Work with internal teams, including loan officers, processors, and other stakeholders, to resolve any discrepancies or issues in the loan application process.
• Effectively communicate loan decisions to applicants and internal stakeholders, providing clear reasoning for approvals, denials, or additional requirements.
• Maintain thorough knowledge of home mortgage policies and procedures to ensure consistency and compliance with underwriting standards.
• Stay up-to-date with changes in regulatory requirements, industry guidelines, and best practices, ensuring the underwriting process remains compliant.
• Assist in developing, refining, and ensuring adherence to the department’s underwriting policies and procedures.
• Identify areas of improvement in the underwriting process and suggest changes to improve efficiency, compliance, and quality control.

Job Requirements:

• 5+ years of experience in residential mortgage underwriting, with experience in FHA, VA, and conventional loans preferred.
• Strong knowledge of home mortgage policies, procedures, and compliance requirements, including familiarity with government regulations (e.g., RESPA, TILA, HMDA).
• In-depth understanding of underwriting guidelines and loan documentation requirements for various mortgage products.
• Proven experience in ensuring compliance with both internal and external regulatory standards and industry best practices.
• Excellent analytical skills and decision-making abilities with a keen eye for detail.
• Strong communication skills, both written and verbal, with the ability to effectively explain complex underwriting decisions to clients and team members.
• Ability to work independently, prioritize tasks, and meet deadlines in a fast-paced, dynamic environment.

Location: 222 Bruce Reynolds Blvd., Fort Lee, NJ, 07024 

Salary Range for this full-time position: $90,000 to $100,000

 To apply, please submit your resume and a cover letter to: careers@hanabank.us.

Underwriter - Fort Lee, NJ
Full-Time / On Site

Job Summary

The Underwriter ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements.

Key Responsibilities

• Responsible for financial analysis of complex loans, industries, and customers
• Underwrites loans and performs historical business financial analysis and cash flows
• Performs and constructs global cash flow analysis of a guarantor’s financial position through an in-depth investigation of personal financial statements, tax returns and credit reporting documentation
• When applicable, considers and discusses alternative structures and overall assessments with deal team
• Conduct extensive due diligence, prepare credit committee package, execute transactions and provide-ongoing portfolio monitoring
• Analyze financial statements, explaining the impact of balance sheet and income statement changes and trends and margins
• Perform analysis of risks/mitigants, management, collateral and guarantors (among other credit considerations) to determine viability of loan requests
• Evaluate financial stability, debt service capacity, management strength, collateral coverage, loan structure, risk assessment, economic environment and industry concerns and possible effects on the commercial relationship
• Support other credit risk management activities, including those related to internal/external audits, loan reviews, and regulatory compliance matters
• Preparation of sensitivity and stress scenarios, and appraisal assessment
• Maintain records of approvals including policy exceptions, declines, and withdrawals

Job Requirements

• Minimum of one year of experience in credit underwriting; experience in SBA lending is a plus
• Bachelor’s degree in Accounting, Finance or related area with ability to interpret and understand financial statements (formal credit training preferred)
• Strong analytical and research skills
• Strong communication skills, both verbal and written
• Strong underwriting skills for various asset classes in commercial real estate, SBA, and C&I lending
• Excellent experience in analyzing various asset classes, property, and cashflows
• Ability to work independently when problem solving and underwriting loan proposals, and with members of the entire commercial lending team, as necessary
• Ability to process modifications, renewals, and extensions in a timely manner
• Meets turnaround requirements of a high-volume loan production environment while maintaining strong quality of work produced.
• Must be well organized with good time management and project management skills
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Experience in Microsoft Office, Word, Excel applications, as well as the ability to learn and adapt to internal bank systems

Location: 222 Bruce Reynolds Blvd., Fort Lee, NJ, 07024

Salary Range for this full-time position: $60,000 to $100,000

To apply, please submit your resume and a cover letter to: careers@hanabank.us.

Portfolio Analyst - Fort Lee, NJ
Full-Time / On Site

Job Summary

Hana Bank USA is seeking a Portfolio Analyst candidate who will be a proactive self-starter with strong communication skills, able to engage with all stakeholders in a
polite, yet assertive manner. They must be adept at managing multiple tasks simultaneously while maintaining adherence to ethical standards and bank policies.

Key Responsibilities

• Handle the portfolio of loans to small or medium-sized businesses and perform analysis in compliance with the Bank’s requirements
• Communicate with borrowers efficiently to collect required information
• Perform annual credit reviews of the loans assigned in a timely manner
• Assess proper credit risk and risk ratings to the loans as well as propose and support upgrades or downgrades
• Prepare Critical and Classified (C & C) reports
• Perform impairment analysis of non-performing loans and recommend charge-offs as needed
• Propose and support upgrades or downgrades of loans.
• Review daily past-due reports and contact the borrowers who are past due < 30 days
• Coordinate with Portfolio Manager for the borrowers who are past due > 30 days
• Keep proper correspondence log of collection efforts
• Conduct assigned site visits
• Review site-visit tickler report and schedule site visits per the manager’s instruction
• Support internal and/or external examinations
• Create reports related to Portfolio Department

Full-Time / On Site

Key Responsibilities

• Maintain existing client relations
• Develop and marketing to new and existing clientele
• Cross sell deposit and loan products
• Perform sales calls to potential clients
• Attend networking and/or community events
• Identify the financial needs of customers
• Oversee branch operations and staff
• Problem/ solve branch employee/logistic issues
• Work with and make decisions on daily overdrafts
• Review and prepare items listed in the Daily and Monthly Assessment Report
• Verify daily branch generated reports as listed in the Daily Assessment
• Verifying branch logs monthly to ensure it is current.
• Review monthly monetary instrument log for BSA (dual control)
• Check daily branch security cameras and monthly alarm testing
• Open & Close vault w/ Head Teller or Teller (dual control)
• Handling and resolve clients complaints and issues
• Open and close the accounts
• Oversees and check the teller cash limits and vault cash
• Maintain monetary instruments, counter checks, debit cards and new account kits (dual control)
• Approve transactions up to authorized limits
• Manage FRB currency orders and shipments with Head Teller
• Performing and approving ATM settlement with teller (dual control)
• Training CSRs and tellers with system applications and programs
• Contact and resolve issues from other departments

Job Requirements

• Minimum 3+ years branch management and operations experience, Assistant Branch Manager experience preferred
• Working knowledge of bank products, banking regulations and compliance
• Business development skills with proven sales record
• Excellent customer service and community relations experience
• Expertise in staff training and development
• Strong leadership, communication and organization skills; ability to work independently
• Bachelor's Degree or equivalent work experience
• Adaptability, flexibility and ability to work branch hours, including weekends and some evenings
• Fluent in English and Korean required

Universal Banker - Los Angeles, CA
Full-Time / On Site

Job Summary

Hana Bank USA is seeking to hire Universal Bankers for Los Angeles Branch to manage financial transactions, control expenditures, manage and maintain general ledger and chart of accounts, and maintain the Bank’s financial books and records.

Key Responsibilities

• Engage with customers and prospects to assess their financial goals and needs and recommend tailored products and services to fulfill those needs
• Maintain strong product and sales knowledge and champion our core service values
• Provide sound advice at every customer interaction to create a positive customer experience and ensure that the customer’s financial needs are met
• Provide top-notch customer service and exceed customer expectations, especially when dealing with more complex transactions
• Participates in community events to increase bank visibility and develop business opportunities
• Promotes and cross-sells products and services, and participates in joint calls with other departments (i.e. loan referrals, etc)
• Handles and resolves all client inquiries and concerns to satisfactory resolution and in a timely manner
• Maintain current knowledge of all Federal and State laws and regulations, along with complying with the Bank’s policies and procedures
• Greets and acknowledges all customers as they enter bank premises
• Perform both teller and customer service duties as needed to manage traffic flow during peak times based on where assistance is needed
• Processes teller transactions in an accurate and timely manner including and not limited to deposits, withdrawals, payments, transfers, check cashing, negotiable instruments, ATM balancing, and balance cash drawers
• Processes and validates accuracy of coin and currency amounts related to incoming and outgoing cash shipments
• Perform customer service duties including and not limited to account opening, safe deposit box, stop payments, wire transfers, and address changes
• Performs account changes to existing accounts as requested by clients
• Processes assigned reports and/or job duties in an accurate and timely manner
• Solve problems independently
• Participates in branch staff meetings and training
• Responsible for keeping work area/branch neat and professional
• Perform other duties as necessary to ensure safety and soundness of the retail branch operations

Job Requirements

• A college degree or military equivalent strongly preferred; high school degree, GED or foreign equivalent required
• Capable of fostering personal connections, engaging with customers, and consistently demonstrating professionalism and courtesy
• The desire to work in a team environment and proactively collaborate with your colleagues to provide an outstanding customer experience
• Strong communication skills
• Ability to learn products, services and procedures quickly and accurately, and understand how to tailor product and service solutions to customers with differing needs
• A commitment to meeting all Bank policy and regulatory requirements
• Adaptability, flexibility and ability to work after branch hours, including weekends and some evenings
• Good organizational skills and attention to detail
• Proficiency in Korean preferred