FFB Bank
Overview
FFB, a dynamic and acclaimed single-branch bank born in 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. We recognize the uniqueness of each individual and craft personalized banking solutions that cater to distinct needs. We value teamwork, relationship, authenticity, and commitment (TRAC), and seek ambitious, passionate individuals who align with FFB's vision.
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 including Medical/Dental/Vision, Life Insurance, Paid Vacation, 401(k) Retirement Plan
Training & Development and Tuition Reimbursement
Employee Assistance Program and Internal Job Posting & Referral Program
About The Position Merchant Services Underwriter
will review and analyze merchant applications and accounts to assess risk exposure and creditworthiness. In addition to initial underwriting, this role will support concurrence reviews, ongoing oversight of ISO partner portfolios, and other responsibilities as assigned. The Underwriter will apply established policies and guidelines to help safeguard the Bank from financial and reputational risk.
Essential Duties
Conducts thorough credit and risk assessments of merchant applications, including evaluation of consumer credit reports, identity and fraud screenings, and analysis of application data using internal and external underwriting tools.
Demonstrates understanding of credit/risk rating scales, underwriting policies, card network rules, and regulatory requirements to accurately assess merchant eligibility and mitigate risk.
Maintains accurate and timely review documentation in internal systems and takes appropriate action on merchant accounts based on risk assessment findings.
Monitors merchant risk review queues and processing behavior to identify content-related risk and ensure adherence to card brand, reputational, and compliance standards.
Performs due diligence reviews of merchant accounts and ISO-submitted files to ensure compliance with underwriting and onboarding standards.
Performs quality assurance reviews and supports process improvement by identifying gaps and ensuring adherence to underwriting guidelines.
Develops and maintains process documentation to support consistency, audit readiness, and training.
Manages internal and external communications related to underwriting and risk, including responding to inquiries, supporting partners, collaborating with sales teams, and engaging merchants to resolve pending items.
Embodies the TRAC Values and Critical Behaviors as core principles to guide daily interactions and decision-making.
Completes administrative tasks with a sense of urgency, including required Bank Compliance Training; responds to inquiries in a timely and professional manner; positively represents the Bank through ethical conduct and community involvement.
Demonstrates an understanding of and commitment to EEO policies and fosters an inclusive workplace.
Ensures adherence to all Bank policies, procedures, laws and regulations, including confidentiality and data privacy while carrying out AML/CFT responsibilities specific to the role.
Performs duties in an office or home office environment, with standard office tasks; reasonable accommodations available for disabilities.
Travels up to 10%, including meetings, training sessions, and corporate events.
Requirements
High school diploma or equivalent required; bachelor’s degree preferred.
Minimum 1–2 years of related experience in merchant services underwriting preferred.
Analytical and problem-solving skills; ability to work with and interpret data.
Experience in financial statement and tax return analysis; accounting/financial or credit analysis background preferred.
Proficiency in Microsoft Office and familiarity with underwriting or CRM platforms (e.g., TSYS, IRIS CRM, Salesforce).
Working knowledge of KYC/KYB standards, credit analysis, and regulatory compliance.
Ability to interpret credit bureau reports, business bank statements, corporate financials, and merchant processing statements to assess risk.
Strong written and verbal communication skills; ability to convey complex decisions professionally.
Strong organizational and time-management abilities with attention to detail.
Ability to work independently and as part of a team; capable of multi-tasking and adapting to changing priorities.
Current driver’s license and vehicle with appropriate insurance if required to drive for duties.
Pay and Location Base pay range: $68,500.00/yr - $85,000.00/yr
Salary Description: $68,500 - $85,000
Job Details
Seniority level: Entry level
Employment type: Full-time
Job function: Sales and Business Development
Industry: Banking
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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 including Medical/Dental/Vision, Life Insurance, Paid Vacation, 401(k) Retirement Plan
Training & Development and Tuition Reimbursement
Employee Assistance Program and Internal Job Posting & Referral Program
About The Position Merchant Services Underwriter
will review and analyze merchant applications and accounts to assess risk exposure and creditworthiness. In addition to initial underwriting, this role will support concurrence reviews, ongoing oversight of ISO partner portfolios, and other responsibilities as assigned. The Underwriter will apply established policies and guidelines to help safeguard the Bank from financial and reputational risk.
Essential Duties
Conducts thorough credit and risk assessments of merchant applications, including evaluation of consumer credit reports, identity and fraud screenings, and analysis of application data using internal and external underwriting tools.
Demonstrates understanding of credit/risk rating scales, underwriting policies, card network rules, and regulatory requirements to accurately assess merchant eligibility and mitigate risk.
Maintains accurate and timely review documentation in internal systems and takes appropriate action on merchant accounts based on risk assessment findings.
Monitors merchant risk review queues and processing behavior to identify content-related risk and ensure adherence to card brand, reputational, and compliance standards.
Performs due diligence reviews of merchant accounts and ISO-submitted files to ensure compliance with underwriting and onboarding standards.
Performs quality assurance reviews and supports process improvement by identifying gaps and ensuring adherence to underwriting guidelines.
Develops and maintains process documentation to support consistency, audit readiness, and training.
Manages internal and external communications related to underwriting and risk, including responding to inquiries, supporting partners, collaborating with sales teams, and engaging merchants to resolve pending items.
Embodies the TRAC Values and Critical Behaviors as core principles to guide daily interactions and decision-making.
Completes administrative tasks with a sense of urgency, including required Bank Compliance Training; responds to inquiries in a timely and professional manner; positively represents the Bank through ethical conduct and community involvement.
Demonstrates an understanding of and commitment to EEO policies and fosters an inclusive workplace.
Ensures adherence to all Bank policies, procedures, laws and regulations, including confidentiality and data privacy while carrying out AML/CFT responsibilities specific to the role.
Performs duties in an office or home office environment, with standard office tasks; reasonable accommodations available for disabilities.
Travels up to 10%, including meetings, training sessions, and corporate events.
Requirements
High school diploma or equivalent required; bachelor’s degree preferred.
Minimum 1–2 years of related experience in merchant services underwriting preferred.
Analytical and problem-solving skills; ability to work with and interpret data.
Experience in financial statement and tax return analysis; accounting/financial or credit analysis background preferred.
Proficiency in Microsoft Office and familiarity with underwriting or CRM platforms (e.g., TSYS, IRIS CRM, Salesforce).
Working knowledge of KYC/KYB standards, credit analysis, and regulatory compliance.
Ability to interpret credit bureau reports, business bank statements, corporate financials, and merchant processing statements to assess risk.
Strong written and verbal communication skills; ability to convey complex decisions professionally.
Strong organizational and time-management abilities with attention to detail.
Ability to work independently and as part of a team; capable of multi-tasking and adapting to changing priorities.
Current driver’s license and vehicle with appropriate insurance if required to drive for duties.
Pay and Location Base pay range: $68,500.00/yr - $85,000.00/yr
Salary Description: $68,500 - $85,000
Job Details
Seniority level: Entry level
Employment type: Full-time
Job function: Sales and Business Development
Industry: Banking
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