Commercial Loan Underwriter II-III
Fresno, CA Credit Administration
Job Type

Who We Are

FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.

What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.

If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!

Recent Achievements Speak Louder Than Words:

  •  2023 - American Banker - "Top 5" Community Bank in the Country #4 
  •  2023 - OTCQX - Best 50 Companies #3 
  •  2023 - 5-star Rating Bauer Financial 

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

o Medical/Dental/Vision

o Life Insurance

o Paid Vacation

o 401(k) Retirement Plan

o Training & Development

o Tuition Reimbursement

o Employee Assistance Program

o 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.

About the Position:

The Commercial Loan Underwriter II-III 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:

  • Requests 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.
  • Analyzes Borrower’s financial data and prepare summary reports on the Borrower’s financial condition and compliance with loan covenants.
  • Compiles data from credit reports, conducts industry analysis, and generates peer comparisons.
  • Collaborates with RM and customers to discuss their financial data to develop a thorough understanding of the creditworthiness of the Borrower and Guarantor and be able to explain significant changes over time, compares to industry standards, discusses 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 on 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.
  • Completes or assists in completing special projects as assigned by Credit Department leadership.
  • 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.
  • Minimum of 4-8+ years of commercial underwriting experience required.
  • 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 commercial loan structuring, loan covenants, financial ratio analysis, and key risks mitigation.
  • Intermediate knowledge of how to analyze and interpret Financial Statement and UCA Cash Flow.
  • Intermediate 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.
  • Intermediate knowledge of related state and federal lending and compliance laws, rules and regulations, and other Bank lending policies.
  • Ability to read, analyze and interpret appraisals, environmental reports, general business periodicals, professional journals, and technical procedures.
  • Excellent organizational and time management skills.
  • Intermediate 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.
  • Self-motivated with the 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