Credit Analyst | San Juan Region

hace 4 semanas


San Juan, Puerto Rico Popular A tiempo completo
Job Type

Full Time Non-Exempt

General Description

This position is responsible for the overall management of a designated portfolio in the Commercial Banking Center for ensuring proper analysis of commercial loan applications and/or renewals with emphasis placed on compliance with all regulations and underwriting according to the bank’s policies and procedures. The incumbent will provide day to day support, coordination, and administration to the Commercial Banking Center team members as well as act as liaison to other areas of the bank ensuring the customers are effectively serviced, and credit risk is adequately assessed.

Essential Duties and Responsibilities

•    Research, gather and analyze financial information, review loan proposals, synthesize pertinent industry/ market data and manage all aspects of the underwriting function relative to monitoring loan performance and referrals.
•    Prepare and review credit documentation. 
•    Measure the customer risk and profitability to adequately assess the underlying risk. 
•    Ensure loans referrals consistency with credit approval requirements. 
•    Understand and explain relevant fluctuations.
•    Proactively seek information from clients and prospective clients.
•    Continuous learning on changes to banking, economic environment, bank competition and customer’s business environment.
•    Identifies commercial services that will benefit the client/prospect.
•    Act as liaison to internal departments and clients on a day-to-day basis.
•    Manage the collection efforts.
•    Coordinate and monitor customer compliance, maturity dates and all the management portfolio process.
•    Arrange client’s financial data and other documents request.
•    Manage the closing process for the assigned transactions.

EducationBachelor's Degree in Finance, Accounting or Business AdministrationExperience

•    Minimum of two years of experience in commercial banking or credit/ financial analytical tasks.
•    Experience, knowledge and training in financial statements and tax returns analysis or lending background preferred.

Other Qualifications

•    Proficient oral and written communication, both in Spanish and English.
•    Ability to work under pressure and meet deadlines.
•    Ability to work with minimal supervision while performing duties.
•    Excellent organizational and time management skills.
•    Team-worker, multitasker, and positive working attitude.
•    Knowledge of MS Office 365 programs such as: Excel, Word and Outlook.
•    Skills to develop and maintain good relationships with clients, anticipate their needs, present alternatives to resolve situations and provide follow-up to established agreements.
•    Knowledge of the financial products and services offered by Popular. 
•    Knowledge of local and federal laws and regulations that apply to the financial industry.

Region Locations

San Juan Region

Work Schedule

Monday to Friday from 8:00 a.m. to 5:00 p.m. Flexibility to travel and work extended hours, holidays and Saturdays, when required.


Hybrid Work Schedule

ValuesPassion for PeopleSucceed TogetherOwn Every MomentBuild the Future

Important: The candidate must provide evidence of academic preparation or courses related to the job posting, if necessary.

 

ABOUT US

Popular is Puerto Rico’s leading financial institution and have been evolving since it was founded over a century ago. From a small bank it has developed into a large corporation that offer a wide variety of services and financial solutions to our customers, with presence in the United States, the Caribbean and Latin America.

As employees, we are dedicated to making our customers dreams come true by offering financial solutions in each stage of their life. Our extensive trajectory demonstrates the resiliency and determination of our employees to innovate, reach for the right solutions and strongly support the communities we serve; therefore, we value their diverse skills, experiences and backgrounds.

We reaffirm our commitment to always offer essential financial services and solutions for our customers and communities, including during emergency situations and/or natural disasters. Popular’s employees are considered essential workers, whose role is critical in the continuity of these important services even under such circumstances. By applying to this position, you acknowledge that Popular may require your services during and immediately after any such events.

If you have a disability or need more information about requesting an accommodation, please contact us at asesorialaboral@popular.com. This email inbox is monitored for such types of requests only. All information you provide will be kept confidential and will be used only to the extent required to provide needed exemptions or reasonable accommodations. Any other correspondence will not receive a response.

 

Are you ready for a rewarding career?

 

Popular is an Equal Opportunity Employer
Learn more about us at www.popular.com and keep updated with our latest job postings at www.jobs.popular.com.
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