• Credit Specialist

    Job Locations
    US-CA-San Francisco
  • Overview

    First Republic is looking for a Credit Analyst to support the underwriting needs of Eagle Lending's Small Business Loan product, "Eagle One for Business." Based in San Francisco, this person will be a key member of the Small Business Credit Analyst team, and will focus on processing, evaluating, and completing financial analysis on small business loan requests. The Credit Analyst will partner closely with the Eagle Lending Relationship Management team as well as First Republic's Executive Loan Committee to monitor and maintain the overall credit quality of existing Eagle loan facilities. Eagle Lending is a high-growth department at First Republic, committed to bringing on the next generation of clients to the bank.


    • 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 with the Eagle loan portfolio by running credit applications and assembling loan files.
    • 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.



    • 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 and Buker’s personal analysis software, a plus.


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