First Republic Bank

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Credit Analyst, HELOC

Credit Analyst, HELOC

Job Locations 
US-CA-San Francisco

More information about this job


About the Role:

First Republic is looking for a Credit Analyst to support the underwriting needs of our 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 Relationship Management team as well as First Republic's Executive Loan Committee (ELC) to monitor and maintain the overall credit quality of existing loan facilities. 




  • Collect, organize and analyze all data for loan requests.
  • Process 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 and running appraisal reports.
  • Complete financial analysis and spreads by analyzing personal and financial statements and tax returns using 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 Relationship Managers (RMs) and Associates regarding discrepancies and any additional information needed from applicants.
  • Process adverse action decisions by contacting the referring officer, preparing notices and mailings as required.
  • Proactively 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.
  • Ensure compliance with federal/state laws and regulations, as well as bank policies and procedures.




  • 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 loan underwriting experience required; 3+ years of financial services experience preferred.
  • 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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