Merchant Services Underwriter
Company: Fresno First Bank
Location: Fresno
Posted on: October 23, 2024
Job Description:
Description: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:
- 2024 - 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 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 Packageo Medical/Dental/Visiono Life Insuranceo Paid
Vacationo 401(k) Retirement Plano Training & Developmento Tuition
Reimbursemento Employee Assistance Programo 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 Merchant Services
Underwriter will review and analyze merchant applications to
qualify their credit worthiness. You will follow all appropriate
credit policies and guidelines to mitigate overall financial and
reputational risk exposures.
Essential Duties:
- Required to make a comprehensive assessment of a merchant's
creditworthiness, including credit reports, TIN/OFAC checks,
identity theft, bank account, and address verifications.
- Understands and analyzes Consumer Credit Reports.
- Ability to effectively identify fraudulent merchant application
submissions through thorough analysis and use of internal and
external underwriting tools.
- Understand the credit/risk scales and all policies in
depth.
- Interacts with both internal and external sales agents and
merchants to resolve all pending items needed to decide on an
application.
- Conducts other related duties assigned.
- Demonstrates knowledge of and adherence to 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; 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.
- Follows policies and procedures; complete administrative tasks
correctly and on time, including mandatory Bank Compliance
Training; supports the Bank's goals and values; benefits the bank
through outside activities.
- Treats people with respect; keeps commitments; inspire the
trust of others; work ethically and with integrity; uphold
organizational values; accept responsibility for own
actions.Requirements:
- Bachelor's degree or comparable professional experience.
- Minimum 2-4 years of merchant services underwriting
experience.
- Experience with TSYS, IRIS CRM preferred.
- Ability to work in a fast pace dynamic environment.
- Ability to read and analyze Financial Statements.
- Ability to review and analyze both Business Bank Statements and
Merchant Processing Statements with chargeback and refund
exposure.
- Strong written and verbal communication.
- Demonstrate proficiency to independently underwrite concurrence
applications, within approval authority, consistent with
underwriting policies.
- Ability to take initiative and effect change through consensus
building, negotiation, and conflict resolution.
Compensation details: 68500-80000 Yearly Salary
PIb14515697d49-37248-35776568
Keywords: Fresno First Bank, Tulare , Merchant Services Underwriter, Other , Fresno, California
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