Credit Analyst IV, Residential

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 student loan 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 student loan debt to buying your first home, our team is leading the way for innovation at First Republic.


As a Credit Analyst IV, Residential 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 Credit Team and will focus on processing, evaluating and completing financial analysis on home equity line requests. The Credit Analyst IV, Residential 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 IV, Residential:

  • Support the underwriting needs for Eagle Lending's Home Equity Line of Credit (HELOC) product by focusing on processing, evaluating, and completing financial analysis on individual loan requests ensuring turnaround time requirements are met.
  • Process and communicate adverse action decisions with the sales team and prepare notices and mailings as required.
  • Cultivate strong and positive working relationships with partners to maintain extraordinary internal and external client service. Partners include: Sales, Preferred Banking, Credit Administration, Executive Loan Committee, Loan Servicing, Legal, Deposit, etc.
  • Serve as a subject matter expert on Eagle Lending’s products, processes and systems. Provide guidance and support including mentoring to new and junior members of the team. Serve as backup when peers are on out of the office or need assistance with their pipeline of loan applications.
  • Lead new hire and/or refresher trainings on credit and process components. Partner with management to review and QC underwriting of new team members to ensure credit quality.
  • Ensure quality credit and avert any potential signs of default throughout underwriting process and loan life cycle.
  • Actively participate in continuous improvements by generating suggestions and participating in problem solving activities.


You could be a great fit if you have:

  • Three+ years’ experience in banking or financial services required.
  • BA/BS required with concentration in business or finance preferred. 
  • Experience with financial/credit analysis including reviewing financial statements, credit reports, tax returns, K1s and various income streams.
  • Familiarity with business financial statements and non-individual borrowing entities.
  • Strong decision-making, interpersonal and communication skills; including the ability to clearly understand complex concepts.
  • Excellent organizational and time-management skills, and attention to detail.
  • Self-motivated and self-disciplined, with the ability to work effectively with little supervision.

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 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.


We believe that a diverse range of backgrounds and ideas has and will continue to be fundamental to the future success of First Republic.


If you are curious to learn more about this opportunity, we'd love to hear from you.


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.


For New York City-based roles: Mayor Bill de Blasio announced that, effective December 27, 2021, all private sector employers?in New York City will be required to ensure that their employees are vaccinated against COVID-19 to attend work in the office. Reasonable Medical or Religious Accommodations may be requested if applicable to you. Please view New York’s Guidance on Accommodations for Workers for more information.


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