First Republic Bank

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Credit Specialist

Credit Specialist

ID 
2017-4052
Job Locations 
US-CA-San Francisco
Category 
Lending

More information about this job

Overview

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:

The Eagle Lending group is looking for a Credit Specialist; a self-starter who is eager to build his/her career as an underwriter and gain expertise in credit analysis. Based in San Francisco, this role will support the underwriting needs for Eagle Lending's "All-in-One" Student Loan Refinancing product and will focus on processing, evaluating, and completing financial analysis on individual loan requests. The ideal candidate will also help with monitoring and maintaining the overall credit quality of existing Eagle loan facilities. To learn more about Eagle Lending, check out our full product suite through the links below:

 

 

We're a highly collaborative team that's focused on leveraging technology to bring in the next generation of clients to the bank. If you have a passion for credit analysis and underwriting, we would love to hear from you.

 

 

 

Responsibilities

DUTIES AND RESPONSIBILITIES:

  • 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.
  • 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 Lending Relationship Managers, Eagle Lending Associates, Residential 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.

 

Qualifications

SKILLS, KNOWLEDGE AND ABILITIES:

  • 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+ years of experience in banking or financial services required; 1 year of experience with credit analysis desired.
  • Advanced familiarity with Word, Excel, PowerPoint and MS Access.
  • Experience with Moody’s corporate analysis software a plus.

 

PHYSICAL REQUIREMENTS:

  • 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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