First Republic Bank

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Credit Analyst (Private Equity & Venture Capital Lending)

Credit Analyst (Private Equity & Venture Capital Lending)

Job Locations 
US-CA-San Francisco

More information about this job


About First Republic:

First Republic is an ultra-high-touch bank that provides extraordinary client service. We believe that one-on-one interactions build lasting relationships. We move quickly to serve our clients’ needs so that their financial transactions are handled with ease and efficiency. Client trust and security are paramount in our line of business. Ultimately, our goal is unsurpassed client satisfaction which will lead to personal referrals – our number one source of new business.


We recognize that our competitive advantage starts with our people and our culture. At First Republic, we work hard and move quickly as a very coordinated team. If you are looking for an opportunity to grow and contribute in a fun, fast-paced environment, First Republic is the place for you. We have exceptional people focused on providing extraordinary service.


About the Role: 

First Republic has a long history of partnering closely with the Private Equity and Venture Capital industries, and the Professional Loan Program (PLP), plays a pivotal role in deepening our ability to serve our client firms and their needs. Through the Professional Loan Program, we offer tailored loan programs to enable employees of our PE and VC firm clients to personally co-invest into the funds being raised by their firms. Another component of PLP is offering loans or lines of credit to prospective partners at professional service firms, to finance their partnership equity purchases. 


As credit quality is of paramount importance to First Republic, we have a dynamic PLP team that focuses on credit underwriting across two different layers of our professional loan programs. We first perform a thorough credit analysis on the firms that we will be servicing to ensure that the firms meet our credit criteria before proceeding with the program. We then perform a thorough analysis on every individual borrower who will either be co-investing into a fund or buying into a partnership to ensure that our individual clients meet our credit criteria. 


We're looking for an experienced Credit Analyst to specifically focus on individual borrower-level underwriting to ensure and maintain the high credit quality of our Professional Loan Program portfolio. Candidates with experience in commercial underwriting and intimate knowledge of the Private Equity and Venture Capital industries are preferred.


About PLP & Eagle Lending:

The Professional Loan Program team is a key component of the Eagle Lending group at First Republic. Eagle Lending is a business group focused on leveraging technology to bring in the next generation of clients to the bank. We offer five different loan products that we believe are phenomenal bridges to build relationships with our clients. To explore our full product suite, please explore the following links below:






  • Process Eagle Loan Applications and ensure our commitment to our turn-around time is met.  This includes, but is not limited to: entering application information in origination systems, running appraisal reports, UCC searches, corporate name verifications, OSI account inquiries and AFS account inquiries.
  • Complete financial analysis and spreads by analyzing personal and financial statements and tax returns using Moody’s or similar financial analysis programs.  Analyze cash flow reports, calculate ratios, recognize and describe trends and identify recurring and non recurring sources of cash flow and borrowers’ ability to debt service.
  • Complete all due diligence to ensure quality of applications and communicate with Eagle Lending Relationship Managers (RMs) and Eagle Lending Associates regarding discrepancies and additional needed information from applicants.
  • Ensure that all documentation required for the file is obtained and file is complete.  Process adverse action decisions by contacting the referring officer, which may also include communication with a client, preparing notices and mailing as required.
  • Communicate with the sales force (Eagle RMs, Relationship Managers, Preferred Bankers, and Preferred Banking Offices), Credit, Credit Administration, Commercial Loan Operations, and Deposits on new requests and existing facilities.
  • Assist in monitoring the existing portfolio to ensure quality credit and avert any potential signs of default.  Reviewing the OnBase reports, Overdraft reports and flag reports.
  • Assist with the Eagle loan portfolio by running credit applications, creating confirmation and welcome letters, and assembling loan file.
  • Assist in identifying any improvements or changes we can make to the Eagle loan process to establish a best practice and make the processes we have in place more efficient.
  • Perform duties & responsibilities specific to department functions & activities.
  • Performs other duties & responsibilities as required or assigned by supervisor.
  • 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.





  • Exceptional verbal, written, and interpersonal skills, as well as analytical and problem-solving skills, coupled with enthusiasm and energetic approach to getting job done.
  • Polish and self-assurance, coupled with the ability to work effectively and flexibly in a team environment, while assuming individual responsibility as well as ability to adjust priorities quickly.
  • BA/BS required with concentration in business or finance preferred. 
  • 2-3 years of loan underwriting experience required. Experience with Private Equity/Venture Capital highly desired.
  • Advanced familiarity with Word, Excel, PowerPoint and MS Access.
  • Experience with Moody’s corporate analysis software a plus.


  • Vision must be sufficient to read data reports, manuals and computer screens.
  • Hearing must be sufficient to understand a conversation at a normal volume, including telephone calls and in person.
  • Speech must be coherent to clearly convey or exchange information, including the giving and receiving of assignments and/or directions.
  • Position involves sitting most of the time, but may involve walking or standing for brief periods of time.
  • Must be able to travel in a limited capacity.



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