• Credit Specialist

    Job Locations
    US-CA-San Francisco
  • 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 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.


    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.



    • Process loan applications and ensure turnaround time requirements are met.
    • Ensure that all documentation required for the file is obtained and that the file is complete.
    • Process and communicate adverse action decisions with the sales team and prepare notices and mailings as required.
    • Assist in monitoring the existing portfolio to ensure quality credit and avert any potential signs of default.
    • Assist with the loan portfolio by running credit applications and assembling loan files.
    • 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.
    • Additional 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.



    • 1-2 years experience in banking or financial services required.
    • Experience with financial/credit analysis including reviewing financial statements desired.
    • BA/BS required with concentration in business or finance preferred. 
    • Exceptional communication skills (verbal and written).
    • Flexibility to adapt and able to manage multiple assignments while working independently.
    • Excellent organizational/analytical skills with a problem-solving mindset.
    • Enthusiastic and energetic approach to getting the job done.
    • Must be a team-oriented individual with willingness to assist in training and development of new team members and/or contractors.
    • Enjoys working in a fast-paced and collaborative start-up environment.
    • Advanced familiarity with Word, Excel, PowerPoint and MS Access.



    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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