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Special Assets, Senior Credit Analyst
First Republic Bank
San Francisco, CA, United States
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Overview
Manage credit risk and portfolio monitoring program for the Eagle Loan Portfolio, as well as other lending products. Create tracking methodologies, develop and support key credit risk identification process, manage and monitor overall credit quality of varied lending products. Identify and manage potential and actual problem asset transactions and keep senior management advised of suspect trends or transactions that require pre-emptive action or attention
Responsibilities
• Monitor delinquency and default of both individual borrowers and of the portfolio as a whole. Manage and monitor reports monthly and track overall levels of delinquency. Provide information on the status of loan payments of current clients monthly, and assist in collection and provide post-loan technical assistance. Identify and provide status updates for high risk credits to management
• Ensure stability of lending portfolios, including monitoring existing credit facilities trends as well as for financial and reporting covenant compliance. Anticipate problem loans and work within Credit Administration policies and guidelines to take appropriate action. Assist with credit waivers, loan modifications and restructures.
• Identify and determine proper course of action for exception situations that arise. Recommend loan modifications, requests for restructures and term-outs of lines of credit.
• Handle adverse action decisions by contacting the referring officer, which may also include communication with a client.
• Assist in managing special asset activities, including Loan workouts, bankruptcy filings. Coordinate interaction with legal counsel regarding documentation and monitoring of legal efforts related to Eagle loans sent to outside counsel for collection.
• Assist in monitoring the existing portfolio to ensure quality credit and avert any potential signs of default. Review OnBase reports, overdraft reports, and flag reports.
• Perform Duties and responsibilities specific to department functions and activities, or as assigned by supervisor.
• 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.
Qualifications
Skills, Knowledge & Abilities:
• Bachelor’s degree and some general office experience.
• Provides extraordinary service.
• Furthers the First Republic Bank culture and values.
• Interpersonal skills / Ability to communicate to multiple
audiences.
• Excellent analytical and problem-solving skills.
• Able to work effectively both autonomously and in a team environment.
• Problem solving and process orientation.
• Time management.
• Decision making.
• Dealing with ambiguity.
• Deadline oriented.
• Ability to multi-task.
Physical/Mental 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.