Loan Assistant

First Commercial Bank (USA) is the wholly owned subsidiary of First Commercial Bank in Taipei, one of the premier commercial banks in Taiwan. First Commercial Bank (USA) has 8 branches in California. We are currently looking for a Loan Assistant for our City of Industry Branch.

SUMMARY

Under some supervision and following established policies and department procedures, complies with all regulations which apply within the scope of the position, including Bank Secrecy Act. Assist loan officers in the preparation and analysis of loan requests and renewal within the following functional duties:

DUTIES

· Prepare loan documents for loan officer; set up loan files and follow up with loan supporting documents

· Prepare underwriting reports including renewals, amendments, and waivers

· Prepare financial spreadsheets and/or covenant checklist.

· Assist customers and follow up on outstanding items.

· Prepare account profitability analysis report and various reports including problem loan and asset monitoring.

· Follow up on any loan exceptions and/or delinquencies.

· Notarize loan documents for the Bank’s customers.

· Promote and cross-sell the Bank’s services and products.

· Accept other duties as deemed appropriate by supervisor.

QUALIFICATIONS

Education: College degree in accounting or business preferred but not mandatory.

Experience: 1-2 years of experience in loan administration preferably in commercial lending.

Skills/ Ability: PC literate with ability to utilize MS Word and Excel software. Thorough accounting concepts and strong verbal and written communication skills. Must be organized and detail oriented with the ability to function in a team environment. Bilingual (English/Chinese) a plus.

First Commercial Bank USA is an equal opportunity employer. It is the Bank’s policy to provide equal employment opportunities to all qualified applicants. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.EOE/AA Member FDIC

NOTICE AT COLLECTION AND PRIVACY POLICY FOR CALIFORNIA APPLICANTS AND EMPLOYEES

First Commercial Bank USA respects your privacy and is committed to providing a transparent Notice at Collection and Privacy Policy for California Applicants and Employees. This Notice and Privacy Policy for California Applicants and Employees applies solely to those who reside in the State of California (“consumers” or “you”).

The purpose of this notice and privacy policy is to provide California residents, at or before the time we collect your personal information in connection with employment purposes, with a comprehensive description of our online and offline practices regarding the collection, use, disclosure, retention, sharing, and sale of personal information and of the rights of consumers regarding your personal information:

A. NOTICE AT COLLECTION

The purpose of this Notice at Collection is to provide you with timely notice, at or before the point of collection, about the categories of personal information to be collected from you and the purposes for which the personal information will be used, including whether that information is sold or shared.

Information Collected

Categories of Personal Information We Collect Categories of Sources From Which the Personal Information is Collected Purposes of Collection

Identifiers. This may include a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.

You

Background Check Companies

To fulfill legal obligations

For internal operations purposes

For administering payroll and benefits

For security and fraud protection

Personal Information. This may include a name, signature, physical characteristics or description, address, telephone number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

You

Background Check Companies

To fulfill legal obligations

For internal operations purposes

For administering payroll and benefits

For security and fraud protection

Sensitive Personal Information. This

You

To fulfill legal obligations

Categories of Personal Information We Collect Categories of Sources From Which the Personal Information is Collected Purposes of Collection

may include a Social Security number, passport number, driver’s license or state identification card number, and precise geolocation.

Background Check Companies

For internal operations purposes

For administering payroll and benefits

For security and fraud protection

Internal research

Characteristics of Protected Classification under California or Federal Law, including Cal. Civ. Code § 1798.80(ae). This may include age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

You

Background Check Companies

To fulfill legal obligations

For internal operations purposes

For administering payroll and benefits

For security and fraud protection

Internal research

Biometric information. This may include genetic, physiological, biological, or behavioral characteristics that can be used, singly or in combination with each other or with other identifying data, to establish your identity, including deoxyribonucleic acid (DNA), fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

You

Background Check Companies

We obtain fingerprints to fulfill legal compliance obligations

Internet or other similar network activity. This may include browsing history, search history, or information on a consumer’s interaction with a website, application, or advertisement.

You

Internet Service Providers

Operating Systems and

Security and fraud detection

Debugging

Internal research

Categories of Personal Information We Collect Categories of Sources From Which the Personal Information is Collected Purposes of Collection

Platforms

Web and Data Analytics Service Providers

To fulfill legal obligations

For internal operations purposes

For audits

Geolocation data. This may include physical location, movements, or precise geolocation.

You

Internet Service Providers

Operating Systems and Platforms

Security and fraud detection

Debugging

Internal research

To fulfill legal obligations

For internal operations purposes

For audits

Professional or employment-related information. This may include current or past job history or performance evaluations.

You

Background Check companies

To fulfill legal obligations

For internal operations purposes

For security and fraud protection

We will not collect additional categories of personal information without providing you a new Notice at Collection disclosing those categories.

Retention of Personal and Sensitive Personal Information

We retain your information during the time we have an ongoing relationship with you. Our internal uses and retention for personal information varies by department. We retain your information as reasonably necessary and proportionate to the purpose for which each category of information was collected. Records may be deleted when there is no longer a legal, compliance, or business purpose to retain your information.

Disclosing Your Personal Information for a Business or Commercial Purpose

We may disclose your personal information to third parties in order to carry out specific business or commercial purposes. In the preceding 12 months, we have disclosed consumer personal information for business or commercial purposes to our service providers and the following categories of third parties:

• Web and data analytics service providers;

• Financial and payment technology providers;

• Consumer reporting agencies;

• Background check companies;

• Identity verification services;

• Asset verification services;

• Security and fraud detection;

• Government entities; and

• Operating systems and platforms.

In the last 12 months, we have disclosed the following categories of personal information (as described in more detail above) for a business or commercial purpose:

• Identifiers;

• Personal information described in the California Customer Records Statute (see description above);

• Characteristics of Protected Classification under California or Federal Law;

• Biometric information;

• Internet or other similar network activity;

• Commercial information;

• Geolocation data; and

• Professional or Employment Related Information

First Commercial Bank USA does not sell your personal information to third parties or share information with third parties for cross-context behavioral advertising.

B. PRIVACY POLICY

The purpose of this privacy policy is to provide you with a comprehensive description of our online and offline practices regarding the collection, use, disclosure, retention, sharing, and sale of personal information and of your rights regarding your personal information.

Your Right to Know

You have the right to know:

• The categories of personal information we have collected about you, including sensitive personal information;

• The categories of sources from which the personal information is collected;

• Our business or commercial purpose for collecting, selling, or sharing personal information;

• The categories of third parties with whom we share personal information, if any; and

• The specific pieces of personal information we have collected about you.

Please note that the Bank is not required to:

• Retain any personal information about you if, in the ordinary course of business, that information about you is not retained;

• Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information; or

• Provide the personal information to you more than twice in a 12-month period.

In connection with any personal information we may sell, share, or disclose to a third party for a business purpose, you have the right to know:

• The categories of personal information about you that we sold or shared and the categories of third parties to whom the personal information was sold or shared; and

• The categories of personal information that we disclosed about you for a business purpose and the categories of persons to whom the personal information was disclosed for a business purpose.

Right to Opt-Out of the Sale or Sharing of Personal Information

You have the right to opt-out of the sale or sharing of your personal information. You can exercise this right through a verified consumer request. That process is described below in the section, “Submitting a Verified Consumer Request.”

Right to Limit Use and Disclosure of Sensitive Personal Information

You have the right to opt-out of the use and disclosure of your sensitive personal information for anything other than supplying requested goods or services. You can exercise this right through a verified consumer request. That process is described below in the section, “Submitting a Verified Consumer Request.”

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

• Delete your personal information from our records;

• Direct any service providers to delete your personal information from their records; and

• Direct third parties to whom the business has sold or shared your personal information to delete your personal information unless this proves impossible or involves disproportionate effort.

Please note that we may not delete your personal information if it is necessary to:

• Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;

• Debug to identify and repair errors that impair existing intended functionality;

• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

• Comply with the California Electronic Communications Privacy Act;

• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

• Comply with an existing legal obligation; or

• Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Right to Correction

You have the right to request correction of inaccurate personal information maintained by us about you. You can exercise this right through a verified consumer request. That process is described below in the section, “Submitting a Verified Consumer Request.” Upon receipt of a verifiable request from you, we will use commercially reasonable efforts to correct the inaccurate personal information.

Submitting a Verified Consumer Request

You have the right to submit verified consumer requests to know information, to correct information, or for deletion.

The response to a request to know will provide all personal information collected and maintained

about you since January 1, 2022, unless doing so proves impossible or would involve disproportionate effort. Please note that we are not required to provide personal information to you more than twice in a 12- month period. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

You can submit requests by calling toll-free 800-367-5933 or by contacting http://www.adpselect.com.

If you submit a request that is not through one of these designated methods or is deficient in some manner unrelated to verification, we will either treat it as if it had been submitted in accordance with our designated methods or provide you with information on how to submit the request or remedy any deficiencies.

Once we receive your verifiable consumer request, we will confirm receipt of the request within 10 business days describing our verification process. We will respond to your request within 45 calendar days, if we are able to verify your identity.

If requests from you are manifestly unfounded or excessive in particular because of their repetitive character, we may either charge a reasonable fee or refuse to act on the request, notifying you of our reason for refusing to act. If we determine that the request warrants a fee, we will notify you of the reason for that determination and provide you with a cost estimate before completing your request.

Requests to Know or Delete for Child Under the Age of 13: We do not knowingly collect information of minors under the age of 13.

Using an Authorized Agent to Submit a Request

Only you, a person registered with the California Secretary of State, or a person you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you use an authorized agent, you may provide a power of attorney executed pursuant to California Probate Code sections 4000 to 4465. If a power of attorney that meets those provisions is not submitted, you will be required to verify your identity directly by submitting a verified consumer request according to the procedures discussed above. If anyone purporting to be an authorized agent for a consumer contacts us, we will require proof that the authorized agent has been authorized to act on the consumer's behalf.

Opt-Out Preference Signals

Some website browsers have an “opt-out preference signal” feature that lets you tell other websites and businesses that you do not want to have your personal information sold or shared with third parties. We are not required under CCPA to process any opt-out preference signals because we do not sell personal information to third parties or share personal information with third parties for cross-contextual behavioral advertising.

Protection Against Discrimination

You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA and CPRA. This means we cannot, among other things:

• Deny goods or services to you;

• Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;

• Provide a different level or quality of goods or services to you; or

• Suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Please note that we may charge a different price or rate or provide a different level or quality of services to you, if that difference is reasonably related to the value provided to us by your personal information.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Contact for More Information

If you have any questions or comments about this notice, the ways in which First Commercial Bank USA collects and uses your information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 888-526-0350

Website: www.bankfcb.com

Effective Date: 01/01/2023

Job Type: Full-time

Pay: From $39,645.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Supplemental pay types:

• Bonus opportunities

Education:

• Bachelor's (Required)

Experience:

• banking loan: 1 year (Required)

Language:

• Chinese (Required)

Work Location: In person