• Senior Mortgage Underwriter

    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

    In Relationship Management Team Support, we document, process and underwrite both residential and commercial loans. We provide exceptional client service to internal and external partners. We support our Relationship Managers in all aspects of the loan process to ensure that we are delivering a seamless lending experience to our clients


    See service from a higher perspective.

    As a Senior Loan Analyst, you will have the opportunity to process and underwrite single-family residential mortgage loans while providing an exceptional client experience. You will analyze complex tax returns and financials and assist in completing the loan process from start to finish. After you’ve developed a strong comfort level with the residential loan process, you’ll have the opportunity to learn apartment and commercial property loan analysis and processing.


    What you’ll do as a Senior Loan Analyst:

    • Communicate with clients, providing excellent customer service and ensuring that the client relationship is maintained at the highest possible level.
    • Analyze and process each loan file, ensuring that the Loan Approval Worksheet, loan narrative (if applicable), appraisal, application, preliminary title report and verifications meet secondary market and First Republic loan program criteria and are accurately documented and complete.
    • Underwrite the income sources, collateral and credit quality of residential loan applications. This includes analysis of personal and business income tax returns, tax schedules and financial statements.
    • Prepare loan files for funding by reviewing the analysis for accuracy.
    • Complete the Request for Documents form to ensure that all regulatory information and loan terms are accurately entered into the computer system to meet compliance requirements.
    • Complete Know Your Client regulatory data for all loan types.
    • Follow the lending guidelines from the Federal National Mortgage Association and nonconforming secondary market investors, along with other industry regulations.
    • Prepare prequalification and/or commitment letters for loan officer review.
    • Learn the Bank’s loan pricing matrix and become comfortable engaging with clients to confirm and discuss our loan programs.


    You could be a great fit if you have:

    • Three to Five years of work experience in residential loan processing and underwriting
    • Commercial and/or construction loan processing and underwriting experience (preferred)
    • Additional work experience with an emphasis on customer service (preferred)
    • Advanced computer skills

    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.
    • Must be able to travel as position requires.


    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 hardworking 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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