• Credit Specialist

    Job Locations
    US-CA-San Francisco

    At First Republic, we care about our people. Founded in 1985, we offer extraordinary client service in private banking, private business banking and private wealth management. We believe that personal connections are everything and our success is driven by the relationships we form with our colleagues and clients. You’ll always feel empowered and valued here.


    Incredible teams doing exceptional work, every day

    Eagle Lending is responsible for student loan refinancing, professional loan programs, home equity lines of credit and small business loans. We provide high-touch service and customized products designed around our client’s needs. From refinancing your student loan debt to buying your first home, our team is leading the way for innovation at First Republic.




    Common goals, uncommon potential

    As an Eagle One for Business, Credit Analyst you will help us 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 Account Executive team as well as First Republic's Executive Loan Committee to monitor and maintain the overall credit quality of existing Eagle loan facilities. 


    What you’ll do as a Credit Analyst:

    • 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 Account Executives (AEs) and 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 (AEs, 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.


    You could be a great fit if you have:

    • Exceptional verbal, written, and interpersonal skills, as well as analytical and problem-solving skills
    • Enthusiasm and an energetic approach to getting the job done
    • Polish and self-assurance, coupled with the ability to work effectively in a team environment, while assuming individual responsibility
    • The ability to adjust priorities quickly and be flexible
    • A bachelors degree (required) with a 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 (preferred)

    Job Demands:

    • Must be able to review and analyze data reports and manuals; must be computer proficient.
    • Must be able to communicate effectively via telephone and in person.

    Own your work and your career — apply now

    Are you willing to go the extra mile because you love what you do and how you can contribute as a team? Do you want the freedom to grow and the opportunity to take charge of your own career? If so, then come join us.


    We want hard working team players. You’ll have the independence to learn, lead and drive change. A culture of extraordinary service, empowerment and stability — that’s the First Republic way.


    Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records, to the extent consistent with applicable federal and/or state law.


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