Merchant Services Underwriter
Fresno First BankFresno, CA, United Statesjob_description.job_card.variable_days_ago
serp_jobs.job_preview.job_type
- serp_jobs.job_card.full_time
job_description.job_card.job_descriptionCompany 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 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. Conducts thorough credit and risk assessments of merchant applications, including evaluation of consumer credit reports, identity and fraud screenings (e.g., TIN / OFAC, address and bank verification), and analysis of application data using internal and external underwriting tools. Demonstrates a strong 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 (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms 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. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML / CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs. High school diploma or equivalent required; bachelors degree preferred. Minimum 12 years of related experience in merchant services underwriting preferred. Basic analytical and problem-solving skills; ability to work with and interpret data. Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and / or credit analysis or related areas. Proficiency in Microsoft Office (Excel, Word, Outlook) and comfort navigating 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 chargeback exposure, refund rates, overall profitability, and credit risk exposure Strong written and verbal communication skills, with the ability to convey complex decisions professionally. Strong organizational and time management abilities with attention to detail. Proficient teamwork and relationship skills to contribute to cross-functional collaboration and team success. Ability to take initiative and impact change within the Bank through consensus building and conflict resolution. Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs. Commitment to continuous learning and professional development to stay current with industry standards and best practices. Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders. Capable of managing multiple priorities and meeting deadlines in a dynamic environment. Ability to work independently with minimal supervision and as part of a team. Proven ability to adapt to changing priorities and procedures. Current drivers license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities. Other
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 & 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
What You Should Expect While Working at FFB :
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 :
About the Position :
The Merchant Services Underwriter will review and analyze merchant applications and accounts to assess their 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 :
Requirements :
Compensation details : 68500-85000 Yearly Salary
PI3ade24afba4a-29952-38636653
Required
Preferred
Job Industries
serp_jobs.job_alerts.create_a_job
Merchant • Fresno, CA, United States
Job_description.internal_linking.related_jobs
A company is looking for an Underwriter (DE / SAR).Key Responsibilities Underwrite 2-3 new loans daily while analyzing borrower information to ensure compliance with guidelines Maintain 24-48 hour...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 A company is looking for a Mortgage Senior Underwriter.Key Responsibilities : Underwrite conventional and government mortgage loans per product and investor guidelines Ensure compliance with inve...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 
Intuit is seeking highly motivated individuals to join our dynamic team as dedicated TurboTax Live Seasonal Local Service Associates in one of our new TurboTax locations across the United States on...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days Intuit is seeking highly motivated individuals to join our dynamic team as dedicated TurboTax Live Seasonal Local Service Associates in one of our new TurboTax locations across the United States on...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 
Underwriter Job Duties : Analyze financial data related to loan requests.Evaluate loan do...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 A company is looking for a Senior Government Underwriter.Key Responsibilities Underwrite a full range of mortgage loans including Agency, FHA, and VA loans Proactively manage a pipeline of loans...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 A company is looking for a Senior Underwriting Consultant who will evaluate complex applications and guide junior colleagues.
Key Responsibilities Evaluate high-impact applications and ensure adhe...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 A company is looking for a VA Underwriter.Key Responsibilities Underwrite VA loans in accordance with agency, investor, and company guidelines Review and clear conditions; issue final loan appro...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_hours Underwriter Job Duties : Analyze financial data related to loan requests.Evaluate loan...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 
Momentus Capital branded family of organizations.SEC-registered broker-dealer, MSRB-registered, FINRA / SIPC member) - are transforming how capital and investments flow into communities to provide pe...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the q...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days A company is looking for a Mortgage Loan Underwriter.Key Responsibilities Review loan application packages to ensure compliance with company and secondary market standards Evaluate borrower qual...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_30 
When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox.Burns & Wilcox offers unparalleled resources and exposure for those looking to grow their...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_hours We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the q...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days 
The purpose of this role is to contribute to the financial success of the company by underwriting crop insurance, assuring compliance with rules and regulations of the Federal Crop Insurance Progra...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the q...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days We are looking for a finance professional to join our team to train AI models.You will measure the progress of these AI chatbots, evaluate their logic, and solve problems to improve the q...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days Intuit is seeking highly motivated individuals to join our dynamic team as dedicated TurboTax Live Seasonal Local Service Associates in one of our new TurboTax locations across the United States on...serp_jobs.internal_linking.show_moreserp_jobs.last_updated.last_updated_variable_days
- serp_jobs.job_card.promoted
DE / SAR Licensed Underwriter
VirtualVocationsVisalia, California, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
Alabama Licensed Mortgage Underwriter
VirtualVocationsFresno, California, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
Tax Associate
IntuitMadera, CA, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
Seasonal Tax Associate - Local
IntuitMadera, CA, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
Underwriter - Remote
TradeJobsWorkForce93786 Fresno, CA, USserp_jobs.filters.remote
serp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
FHA VA Licensed Underwriter
VirtualVocationsVisalia, California, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
Senior Underwriting Consultant
VirtualVocationsFresno, California, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
- serp_jobs.job_card.new
VA Underwriter - Active Credentials
VirtualVocationsVisalia, California, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
Underwriter
TradeJobsWorkForce93709 Fresno, CA, USserp_jobs.job_card.full_time
Loan Acquisition Analyst (Underwriter)
CDC Small Business FinanceCA, USserp_jobs.filters.remote
serp_jobs.job_card.full_time
serp_jobs.filters_job_card.quick_apply
- serp_jobs.job_card.promoted
Remote Finance Advisor - AI Trainer
Data AnnotationVisalia, Californiaserp_jobs.filters.remote
serp_jobs.job_card.full_time +1
- serp_jobs.job_card.promoted
Mortgage Underwriter
VirtualVocationsVisalia, California, United Statesserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
- serp_jobs.job_card.new
Associate Underwriter
H.W. Kaufman GroupFresno, CA, USserp_jobs.job_card.full_time
- serp_jobs.job_card.promoted
Remote Commercial Banking Analyst - AI Trainer
Data AnnotationHanford, Californiaserp_jobs.filters.remote
serp_jobs.job_card.full_time +1
- serp_jobs.job_card.promoted
Underwriter - Crop
QBE InsuranceFresno, CA, USserp_jobs.job_card.full_time +1
- serp_jobs.job_card.promoted
Remote Finance Director - AI Trainer
Data AnnotationHanford, Californiaserp_jobs.filters.remote
serp_jobs.job_card.full_time +1
- serp_jobs.job_card.promoted
Remote Financial Planner - AI Trainer
Data AnnotationHanford, Californiaserp_jobs.filters.remote
serp_jobs.job_card.full_time +1
- serp_jobs.job_card.promoted
Tax Preparer - 2+ Yrs Paid Tax Experience Required
IntuitKingsburg, CA, United Statesserp_jobs.job_card.full_time