• Senior Loan Analyst

    Job Locations
    US-CA-San Francisco
    Customer Service/Support
  • Overview

    The Senior Loan Analyst will have the opportunity to partner with a team of Relationship Managers to oversee all stages in the residential real estate and unsecured loan, process from initial underwriting through loan closing. The Analyst will ensure that all loans are analyzed, underwritten, and processed in a timely manner while achieving a high level of customer service. Responsibilities primarily focus on underwriting high level, complex real estate and unsecured loans, and may include analysis of other loan types including but not limited to commercial loans.



    Underwriting a variety of loan structures including but not limited to:

    • Single family
    • Multi-Family
    • Cross Collateralized
    • Bridge financing
    • Lines of credit
    • Modifications
    • Unsecured

     Analyzing borrower tax returns (business and personal), financial statements, real estate schedules, liquidity positions, financial ratios, recurring sources of cash flow, and client ability to service debt.

    • Identify and report to Relationship Manager any risks related to loan collateral and/or client financial state.
    • Instigate direct client correspondence when needed to gain underwriting clarity, answering questions, setting expectations.


    Monitor and track all loans in Relationship Manager pipeline. Work closely with Loan Specialists, Closing and other team members to ensure timely file processing.

    Collaborate with Relationship Managers , Executive Loan Committee , Loan Specialists and clients to help determine loan structure, loan amounts, and products. Size and qualify loans for approval and demonstrate ability to present deals to ELC.


    Print and organize all financial documentation and compile loan files.

    • Review loan files for completeness, identify missing documentation, and generate needs list for clients and Relationship Managers.
    • Communicate directly with clients as needed to obtain missing financial information and answer questions related to loan transactions.


    Order third party reports and open escrow (when applicable).


    Complete some basic loan processing for new loan originations and loan modifications.


    Partner with the Closing/Funding Department to ensure a timely closing. Work with escrow/closing agents to coordinate closings.


    Work on special projects for Relationship Manager as needed.


    Responsibilities include the following: 1) adhering to and complying with all applicable, federal and state laws, regulations and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA PATRIOT Act, etc.), 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting potential suspicious activity to the BSA/AML Officer, and 5) knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank.


    Essential Skills, Bodies of Knowledge and Abilities:

    • Ability to manage a constant deal flow and prioritize loans appropriately to ensure timely closings.
      • Proactive individual able to operate efficiently in a fast paced environment.
      • Excellent analytical skills, with an emphasis on residential real estate underwriting and assessing client financial data.
      • Quick learner and ability to manage multiple priorities.
      • Proven ability to work accurately under pressure and meet strict deadlines.
      • Excellent verbal and written communication skills.
      • Demonstrated skills in organization and strong attention to detail.
      • Must be able to work independently and as part of a team.
      • Should possess a strong sense of accountability.
      • Provides extraordinary service.
      • Furthers the First Republic Bank culture and values.


    Products and Software:

    • Knowledge of loan origination and related systems.
      • Strong working knowledge of MS Word / MS Outlook / MS Visio / MS PowerPoint/ MS Excel.

    Education, Experience, Training, or Certifications/Licenses:

    Required: High School diploma and a minimum of 5 years of underwriting experience.

    Preferred: Bachelor’s Degree.



    Mental/Physical Requirements:

    • The ability to learn and comprehend basic instructions; understand the meanings of words and respond effectively; and perform basic arithmetic accurately and quickly.
    • 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 as position requires.
    • May be required to lift up to 25-50 lbs.




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