HELOC Credit Analyst

Job Locations
US-CA-San Francisco


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

Eagle Lending is responsible for debt refinancing, professional loan programs, home equity lines of credit and small business loans. We provide high-touch service and customized products designed around our client’s needs. From refinancing your debt to buying your first home, our team is leading the way for innovation at First Republic.


Common goals, uncommon potential

As a Credit Analyst you will support the underwriting needs of Eagle Lending's Home Equity Line of Credit (HELOC) product. Based in San Francisco, this person will be a key member of the HELOC Credit Analyst team and will focus on processing, evaluating and completing financial analysis on home equity line requests. The Credit Analyst will partner closely with the Eagle Lending Account Executive team, as well as First Republic's Executive Loan Closing Committee (ELC) to monitor and maintain the overall credit quality of existing Eagle loan facilities. 


What you'll do as a Credit Analyst, HELOC:

  • Process loan applications and ensure turnaround time requirements are met.
  • Ensure that all documentation required for the file is obtained and that the file is complete.
  • Process and communicate adverse action decisions with the sales team and prepare notices and mailings as required.
  • Assist in monitoring the existing portfolio to ensure quality credit and avert any potential signs of default.
  • Assist with the loan portfolio by running credit applications and assembling loan files.
  • Assist in identifying any improvements or changes we can make to the loan process to establish a best practice and make the processes we have in place more efficient.
  • Additional responsibilities include the following: 1) adhering to and complying with the applicable, federal and state laws, regulations and guidance, including those related to Anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.) 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting suspicious activity to the AML Officer, and 5) knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank.


You could be a great fit if you have:

  • 1-2 years experience in banking or financial services required.
  • Experience with financial/credit analysis including reviewing financial statements desired.
  • BA/BS required with concentration in business or finance preferred. 
  • Exceptional communication skills (verbal and written).
  • Flexibility to adapt and able to manage multiple assignments while working independently.
  • Excellent organizational/analytical skills with a problem-solving mindset.
  • Enthusiastic and energetic approach to getting the job done.
  • Must be a team-oriented individual with willingness to assist in training and development of new team members and/or contractors.
  • Enjoys working in a fast-paced and collaborative start-up environment.
  • Advanced familiarity with Word, Excel, PowerPoint and MS Access.

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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