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 Package

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:

• 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 Wholesale & Commercial Loan Processor is responsible for ensuring all loans are processed, closed, and documented in accordance with the Bank's policies and guidelines. This position is responsible for performing appropriate due diligence tasks and ensuring conditions precedent are met prior to closing or funding a commercial loan. This position will work with commercial loan transactions including Multi-Family and C&I.

Essential Duties:

• Collaborates with Relationship Managers, BDOs, applicants, brokers, escrow and title companies, the Note Department, appraisal management companies, and insurance providers, as applicable, to facilitate the loan process from application through closing.
• Reviews financial and property documents such as Tax Returns, Credit Reports, Appraisal Reports, Appraisal Review Reports, Paystubs, Rent Rolls, and Operating History to ensure accuracy, timeliness, and completeness.
• Examines legal and ownership records including Entity Documents, Preliminary Title Reports, Property Profiles, and Public Records to verify information and determine if additional documentation is needed.
• Uploads documents to Loan Origination System and Appraisal Management Company.
• Engages appraisal process, ensures proper documentation is uploaded and data is accurate to arrange for appraisal bids, engages appraisals, monitors appraisal and review process.
• Processes within the Loan Origination System workflow and tracks tasks for timely completion for assigned loans and that of staff.
• Opens Escrow and assists escrow process as needed and work on closing the escrow.
• Manages the ordering and monitoring of Title Insurance, Environmental Reports (including Probability Loss Seismic reports), UCC searches and filings, payoff demands, and third-party invoices to ensure timely and accurate processing.
• Assists clients in completing Bank required forms and works through application process.
• Recommends changes to Bank policies to ensure consistency with changing market conditions and current Bank practices.
• Assists customers with servicing requests as they come due, including billing statement, tracking of payments, ACH onboarding.
• Assists Credit Review and Note Department with client questions or requests for information, such as updated financial statements or insurance.
• 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.

• Bachelor's degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred. Advanced degree or relevant certifications strongly preferred for senior-level roles.
• Minimum 3-5 years of commercial banking, commercial loan assisting, or comparable experience required; preferred experience includes multi-family and commercial & industrial (C&I) lending.
• 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.
• Experience with the Abrigo system preferred, familiarity with various credit reporting and industry data services, and loan origination systems LOS such as Sageworks, Moody's, Baker Hill, or similar platforms; proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
• Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees.
• Strong organizational and time management abilities with attention to detail.
• Proficient teamwork and relationship skills to contribute to cross-functional collaboration and team success.
• 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 driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.

Compensation details: 28-33 Hourly Wage

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