Senior Credit Analyst

Job Locations
US-CA-Menlo Park


At First Republic, we care about our people. Founded in 1985, we offer extraordinary client service in private banking, private business banking and private wealth management. We believe that personal connections are everything and our success is driven by the relationships we form with our colleagues and clients. You’ll always feel empowered and valued here. 


Incredible teams doing exceptional work, every day

In Business Banking, we provide comprehensive depository, cash management, and lending services to businesses throughout our communities.  While our clients are diverse, we are focused on meeting the needs of professional service firms (doctors, lawyers, accountants, investment managers and consultants of all kinds) as well as those in the following industries:  Private Equity, Venture Capital, Technology, Wineries, Aviation and Marine, and Non Profit Organizations. As a Business Banking team member at First Republic, you will work directly with clients to identify their banking needs and financial goals in order to deliver tailored solutions for their businesses as well as their personal banking and wealth management needs.


What you’ll do as a Senior Credit Analyst:


  • Underwriting and Analysis: Underwrite high quality credit narratives in support of new and existing loans. This responsibility requires the following skills:
    • Spreading business financial statements and tax returns using Moody’s software
    • Analyzing multi-year trends and ratios from financial information
    • Understanding cash flow from operations, which includes identifying recurring and non-recurring sources of cash flow
    • Researching industry trends and risks
    • Performing collateral analysis including accounts receivable, inventory, real estate and investments
    • Running credit reports and gathering/analyzing KYC information
    • Spreading personal financial statements and tax returns for individual guarantors, developing borrower and guarantor global cash flow analysis
    • Presenting to Executive Loan Committee with the Business Banker for loan approvals.
  • Loan Closing: Work closely with Business Bankers, Commercial Loan Operations, Outside Counsel and the client to document and close loans thoroughly and swiftly.  This process includes:
    • Ordering loan documents, either in-house or using outside counsel
    • Reviewing documentation for consistency and accuracy with credit approvals
    • Ordering and reviewing formation documents & UCC searches for clients
    • Ensuring loan terms have been detailed accurately on the Bank’s loan system, post-closing.
  • Portfolio Management: Create, maintain, and monitor all loan and credit files at the highest quality.  This process involves:
    • Monitoring existing credit facilities for financial and reporting covenant compliance
    • Reviewing the covenant compliance log to ensure updated financial information and covenant compliance and communicating with clients to receive required reporting information
    • Detecting early warning signs that could lead to a potential default
    • Identifying defaults immediately to the Business Banker and Executive Loan Committee
    • Monitoring underperforming loans
    • Evaluating proper loan risk ratings
    • Corresponding with Executive Loan Committee and Credit on waivers, amendments, renewals, reviews and modifications
  • Client Service: Assist the Business Banker on all levels of the business banking relationship to ensure the client receives exceptional service.  This process includes:
    • Receiving and funding loan advances and payments
    • Collecting loan and legal fees
    • Calling on delinquencies
    • Assisting clients with various loan and deposit related inquiries
    • Remedying or submitting client requests to the proper departments and following up to ensure timely execution
    • Identifying cross-sell opportunities.
  • Lead special projects as needed.
  • Be or become proficient in Microsoft Office, Bisys, AFS Level III, and Moody’s.
  • Perform duties and responsibilities specific to department functions and activities.
  • Performs other duties and responsibilities as required or assigned by supervisor.


You could be a great fit if you have:


Skills, Knowledge and Abilities:

  • Excellent credit skills focusing on venture capital and private equity deals required
  • Team player
  • Outstanding communication skills
  • Provides extraordinary internal and external service
  • Works independently
  • Furthers the First Republic Bank culture and values

Education, Experience, Training or Certifications/Licenses:

  • Required: Bachelor’s Degree with MBA preferred; strong credit background, a minimum of 3-5 years of commercial banking and lending experience. Established network of business clients, prospects, and referral sources.
  • Preferred: Ideally, an industry specialization, such as law firms, accounting firms, private equity, entertainment, and non-profits.
  • Senior Credit Analysts will have 4-5 plus years’ experience with all of the above capabilities plus the ability to independently structure and underwrite most loan requests. Experienced in lending to a wide variety of industries, loan types, and size of companies. Preferably, have experience coaching and developing others, informally or formally.

Job Demands:

  • Must be able to review and analyze data reports and manuals; must be computer proficient.
  • Must be able to communicate effectively via telephone and in person.

Own your work and your career - apply now

Are you willing to take initiative and make decisions? Are you willing to go the extra mile because you love what you do and how you can contribute as a team? Do you want the freedom to grow and the opportunity to take charge of your own career? If so, then come join us.


We want hard working team players. You’ll have the independence to learn, lead and drive change. A culture of extraordinary service, empowerment and stability—that’s the First Republic way.


This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned to meet the ongoing needs of the organization. The Company is an equal opportunity employer. In this regard, the Company makes reasonable accommodations for qualified applicants and employees with disabilities in order to enable them to perform all essential job functions, unless doing so creates an undue hardship.


First Republic is subject to federal laws that restrict the employment of individuals with certain types of criminal histories, including FDIA Section 19 and FINRA. To the extent not inconsistent with our obligations under those federal laws and regulations, First Republic will consider qualified candidates with criminal histories in a manner consistent with the Los Angeles and San Francisco ban-the-box laws.


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