Underwriter, Merchant Services
Fully Remote Fresno, CA Merchant Services
Job Type
Full-time
Description

At Fresno First Bank, we truly believe that our people are our greatest asset – and we treat them as such. We offer exciting and interesting opportunities for dedicated, hard-working professionals. If you share our values and passion for providing clients with opportunities to achieve their aspirations and personal success- apply today!


Our Values: 

Teamwork: We all pitch in to provide the high caliber service our customers deserve. We have to trust and rely on each other to execute our work with purpose and efficiency – however difficult the task might be. We are constantly thinking about the next step and the next opportunity.

Relationships: Building mutually beneficial relationships is curtail to the long-term success of our organization. By immersing ourselves in the business ventures we empower, we come to understand our customers as people with real human needs rather than just numbers.

Authentic: We say what we mean, and we mean what we say. Internally that means holding each other accountable and owning up to mistakes. It also means being straight forward with customers.

Commitment: Our pride of ownership is strong. Every day, we bring our best in order to support our customers and represent the bank.


Employment with Fresno First Bank will allow you to earn competitively, grow professionally and enjoy a collaborative and compassionate culture that rewards good ideas, good work, and initiative.


As the Underwriter, Merchant Services, you will review and analyze merchant applications to qualify their credit worthiness. You will follow all appropriate credit policies and guidelines to mitigate overall financial and reputational risk exposures. 


Essential Duties

  • Required to make a comprehensive assessment of a merchant’s creditworthiness, including credit reports, TIN/OFAC checks, identity theft, bank account, and address verifications.
  • Understand and analyze Consumer Credit Reports.
  • Ability to read and analyze Financial Statements.
  • Ability to review and analyze both Business Bank Statements and Merchant Processing Statements with chargeback and refund exposure.
  • Ability to effectively identify fraudulent merchant application submissions through thorough analysis and use of internal and external underwriting tools.
  • Understand the credit/risk scales and all policies in depth
  • Interact with both internal and external sales agents and merchants to resolve all pending items needed to decision an application.
Requirements
  • Bachelor’s degree or combination of comparable professional experience.
  • 2-4 years of merchant services underwriting experience required.
  • Experience with TSYS, IRIS CRM highly preferred.
  • Ability to work in a fast pace dynamic environment.
  • Strong written and verbal communication. 
  • Demonstrate proficiency to independently underwrite concurrence applications, within approval authority, consistent with underwriting policies. 
  • Ability to take initiative and effect change through consensus building, negotiation, and conflict resolution.