Commercial Loan Processor

: 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:

• 2025 - American Banker - "Top 5" Community Bank in the Country #4
• 2025 - OTCQX - Best 50 Companies #3
• 2025 - 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 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:

Ensures unit functions comply with all federal and state regulations and Bank policies.

Works closely with Relationship Managers/BDO's, Applicants, Brokers, Escrow & Title companies, Note Department, Appraisal Management Companies, and Insurance Companies, as applicable to move loans through process from application through closing, which includes the following:

• Reviews: Tax Returns, Credit Report, Appraisal Reports, Appraisal Review Reports, Paystubs, Rent Rolls, Operating History, Entity Documents, Preliminary Title Reports, Property Profiles, and Public Records to ensure all appropriate information is accurate and timely, and whether additional information is required after review.
• 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.
• Opens Title Insurance orders.
• Orders and monitors Environmental Report Orders, including Probability Loss Seismic reports and necessary.
• Performa and reviews UCC search and filings.
• Orders and manages payoff demands.
• Manages Third Party Invoices.
• 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.
• Exercises sound decision-making in processing requests.
• 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; completes 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; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

Requirements:

• Bachelor's Degree or equivalent preferred.
• Minimum 3-5 years of commercial banking, commercial loan assisting or comparable experience required.
• Multi-family and C&I lending experience preferred.
• Working knowledge of Abrigo system preferred.
• Ability to exercise good judgment in forming an opinion on structure of loan requests and advise front line staff .
• Strong knowledge of Microsoft Office applications, various credit reporting and industry data services, LOS systems such as Abrigo Sageworks, Moody's, Baker Hill, or similar systems.
• Strong knowledge of Commercial Loan Documentation.
• Intermediate knowledge of related state and federal banking compliance regulations, and other Bank lending policies.
• Intermediate skills in computer terminal and personal computer operation; mainframe computer system; internet searches; and MS Office (Word and Excel).
• Intermediate math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent.
• 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 and employees.
• Ability to deal with multiple tasks with varying degrees of difficulty with hard completion deadlines.
• Effective organizational and time management skills.
• Ability to work with minimal supervision while performing duties.