Commercial Loan Underwriter
Fresno, CA Credit
Job Type

Who We Are:  

FFB is an award-winning, single-branch bank that originated in Fresno, CA. Since its opening in 2005, FFB’s mission has been to provide customers with 1st class banking services. At FFB, we understand that every person who walks through our doors is unique. Therefore, we strive to provide each customer with a carefully crafted banking solution that is tailored to their individual needs. It's with this customer-first mentality that FFB has become one of the leading community banks in the nation.  

Despite being headquartered in Fresno, CA, members of the FFB team come from all over the country!  Since we believe that people are our greatest asset, we are always seeking ambitious, passionate candidates who share FFB’s goals and values regardless of where they live. If you feel that you could be a great addition to our team, then we encourage you to reach out and apply! 

Recent Awards and Recognitions: 

  • Voted Best Bank by Best of Central California People's Choice 2022  
  • Rated the #10 Community Bank in the Nation 
  • Ranked #6 on American Banker’s Top Publicly Traded Community Banks List 2022 

What You Should Expect While Working at FFB: 

  • Company ownership through our Employee Stock Ownership Program (ESOP) 
  • A friendly, close-Knit work culture that encourages growth  
  • Opportunities to Participate in Community Networking Events  
  • Benefits Package 
  • Medical/Dental/Vision 
  • Life Insurance 
  • Paid Vacation 
  • Employee Stock Ownership Program 
  • 401(k) Retirement Plan 
  • Training & Development 
  • Tuition Reimbursement 
  • Employee Assistance Program 
  • Internal Job Posting & Referral Program 

Ideal Candidate:  

FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways:  

  • Teamwork – We collaborate, hold each other accountable, and win together.   
  • Relationship – We are trustworthy, transparent, and respectful.  
  • Authentic – We are humble, vulnerable, and we speak up.  
  • Commitment – We are owners...Be hungry, responsive, and have a sense of urgency. 

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


The Commercial Loan Underwriting is responsible for underwriting medium to large new and existing credit relationships in compliance with the Bank’s underwriting standards and all applicable state and federal laws, rules, and regulations. The position assists loan officers in managing new and existing customer relationships by providing advanced credit analysis and underwriting support.

Essential Duties:

  • The primary focus of the Position is to focus time and attention on medium to large size credit relationships, whether new or existing, and perform the following duties:
  • Request financial data from borrowers based on the borrower’s financial reporting covenants and other data as may be needed to fully understand a borrower’s financial condition.
  • Analyze Borrower’s financial data and prepare summary reports on the Borrower’s financial condition and compliance with loan covenants.
  • Compile data from credit reports, conduct industry analysis, and generate peer comparisons.
  • Meet with the RM and customers to discuss their financial data develop a thorough understanding of the creditworthiness of the Borrower and Guarantor and be able to explain significant changes over time, compare to industry standards, discuss performance to covenants, etc.
  • Consistently underwrites safe and sound commercial loans in an expedient manner that are compliant with the Bank’s underwriting standards and all applicable state and federal laws, rules, and regulations.
  • Carefully assesses and evaluates the risk of financing requests within the framework of the Bank’s credit culture and current economic and industry trends and presents facts and offers opinions/recommendations to loans officers and relationship personnel concerning applicant’s credit worthiness.
  • Prepares summary and/or credit approval report documenting underwriting results and provides supporting information for credit decision recommendations.
  • Makes recommendations to loan and relationship officers on potential customer needs for other banking products.
  • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
  • Develops and maintains an advanced knowledge of financial industry, economy, market conditions, rates, vendors and competition; remains informed of trends and developments in local market and changes to regulations governing commercial loans; and assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting.
  • Responds to inquiries or refers inquiries to the appropriate department or person and exhibits the necessary follow through with customers and/or staff involved.
  • Consistently applies superior decision-making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
  • Complete or assist in completing special projects as assigned by Credit Department Managers or the Chief Credit Officer.
  • Processes, solves, and answers complex customer transactions, problems or inquiries.
  • Answers telephones, answers question and directs callers to proper Bank personnel.
  • Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; and accepts responsibility for own actions.
  • Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; and builds a diverse workforce and supports affirmative action.
  • Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations, and adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
  • Completes administrative tasks correctly and on time; supports the Bank’s goals and values; and benefits the Bank through outside activities.
  • Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

  • Bachelor’s degree or equivalent from a 4-year accredited college or university in Business, Finance, Accounting, or similar study, or equivalent related experience and/or training; or the equivalent combination of education and experience. Work related experience and training should consist of credit analysis, financial analysis, lending, or similar experience. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
  • Intermediate knowledge of commercial loan origination, underwriting, documentation, and processing.
  • Intermediate knowledge of the appraisal experience and/or formalized training.
  • Basic experience, knowledge and training in all lending activities and terminology.
  • Advanced experience, knowledge and training in accounting, financial statement spreading, and cash flow and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
  • Basic knowledge of related state and federal lending and compliance laws, rules and regulations, and other Bank lending policies.
  • Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
  • Excellent organizational and time management skills.
  • Basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet, and specialty software programs.
  • Intermediate typing skills to meet production needs of the position.
  • Intermediate math skills: ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
  • Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence, and procedures, speak clearly to customers and employees.
  • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
  • Ability to work with minimal supervision while performing duties.
  • Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
Salary Description
$60000 - $85000