Merchant Services Underwriting Manager

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

• 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 Underwriting Manager is primarily responsible for providing training, support, and guidance to the Underwriting team. The Underwriting Manager is tasked with ensuring that the Underwriting team complies with the goals, objectives, and standards of the organization to meet SLAs and provide partners with a best-in-class customer experience.

• Contributes to process improvement by identifying inefficiencies and offering solutions within workflows.
• Drives team performance by setting clear goals, monitoring results, and implementing strategies to exceed targets.
• Supervises, coaches, and develops staff including conducting performance evaluations, taking corrective action and providing ongoing feedback and mentorship.
• Collaborates with senior leadership and cross-functional teams to support company initiatives and strategic objectives.
• Leads underwriting team activities to ensure timely and accurate completion of work, appropriate assignment of merchant applications and tasks, and compliance with corporate objectives and standards.
• Drives the development of credit and risk policies, processes, and infrastructure to support timely, comprehensive review and decisioning of merchant and agent applications, as well as ongoing monitoring of accounts and transactions.
• Oversees ISO Oversight processes in alignment with Merchant Services policies and sound credit judgment.
• Manages and monitors the flow of incoming merchant applications to ensure timely and well-reasoned credit decisions.
• Ensures data integrity across CRM systems and document repositories.
• Facilitates effective communication regarding pending applications and application decisions with Relationship Managers, Sales, and leadership teams.
• Conducts comprehensive assessments of merchant creditworthiness, including review of credit reports, TIN/OFAC checks, identity theft screening, and bank account and address verifications.
• Monitors and measures credit risks, liabilities, and exposures to the merchant…