Commercial Loan Underwriter III

Job Type

Full-time

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!

• 2024 & 2025 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets
• Ranked #1 on American Banker’s Top 20 Publicly Traded Banks under $2 Billion in assets for 2024 (noted in Q2 & Q3 2025 reports).
• Ranked by S&P Global as a top 35 best performing U.S. community bank (under $3B in assets) based on 2024 results.
• Named among the OTCQX Best 50 Companies for 2024.

• 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
• 401(k) Retirement Plan
• Training & Development
• Tuition Reimbursement
• Employee Assistance Program
• Internal Job Posting & Referral Program

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.

The Commercial Loan Underwriter 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.

• Manages and develops medium to large‑sized credit relationships, both new and existing.
• 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 prepares summary reports on 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, compare 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.
• Assesses and evaluates the risk of financing requests within the framework of the Bank’s credit culture and current economic and industry trends. 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…