• Business Banking Portfolio Quality Specialist

    Job Locations
    US-CA-Palo Alto
  • Overview

    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.

    The Portfolio Quality Specialist will assist the Business Banking Group and Credit Analysts in the preparation of loans for approval and documentation as well as manage the post close and ongoing collection of financial reporting requirements and monitoring of borrowers for covenant compliance. The ideal candidate will have a preferred one year of banking experience and maintain a basic understanding of commercial financial information and loan legal documentation. Due to the complexity of the transactions, attention to detail and the ability to work under tight deadlines is important.


    • Assist the Credit Analysts & Business Bankers by preparing the basic CLO and PowerLender system data entry records.
    • Obtain and review borrower and guarantor formation documentation (inclusive of ordering certificates of good standing) to prepare and manage loan files for submission to Executive Loan Committee.     
    • Monitor borrowers for financial and reporting requirements; obtain financial reports from clients.
    • Work with Compliance to obtain Enhanced Due Diligence on new borrowers and guarantors.
    • Prepare and manage loan files for submission to ELC, Commercial Closing, and external counsel.
    • Work with the appraisers, environmental professionals and title companies to assist in the commercial real estate due diligence process.
    • Assist the Senior Business Banking Analyst & Business Banker on ad hoc projects and by working with client to obtain reporting requirements, which should be forwarded to the Loan Monitoring Group and uploaded to Onbase.
    • Be or become proficient in Microsoft Office (Word, Excel, and Adobe), OSI, AFS Level III, CLO, OnBase, PowerLender, Smeadlink, Eagle Reports, AFS RM Tools and Moodys.
    • Monitor loan maturity report and alert Business Banker and Credit Analyst of upcoming maturities and process short-term maturity extensions requests as needed.
    • Develop the ability to eventually spread business financial statements, personal financial statements and individual tax returns.
    • Local Manager may require additional duties unique to a team’s Geography, industry focus and other responsibilities which best utilize a candidate’s skill-sets.
    • Perform duties & responsibilities specific to department functions & activities or as assigned by supervisor.
    • Participate in the development of department policies and/or procedures and assist with client specific projects as assigned.
    • 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.



    Skills, Knowledge & Abilities:

    • Bachelor Degree; banking and lending work experience of at least 2-3 years
    • Outstanding written and verbal communication skills
    • Excellent attention to detail
    • Strong process flow and prioritization skills
    • Collaborative Team Player
    • Excellent time management and organizational skills
    • You welcome moments when you are asked to “own” projects
    • Enjoy problem solving and working with clients
    • Provides extraordinary service
    • Strong working knowledge of MS Word / MS Outlook / MS Visio / MS PowerPoint/ MS Excel
    • Proficient in Microsoft Office (Word, Excel, and Adobe), and familiar with OSI, AFS Level III, CLO, OnBase, PowerLender, Smeadlink, Eagle Reports, AFS RM Tools, Bisys, AFS Level III and Moodys

    Physical/Mental 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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