Financial Risk Manager

hace 1 mes


San Juan, San Juan, Puerto Rico First BanCorp A tiempo completo

About First BanCorp

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We strive to be a trusted advisor to our clients, and our employees are the ones that ensure we deliver on our promise of excellence in personalized customer service.

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At FirstBank PR, we have more than 3,100 employees in Puerto Rico, the Virgin Islands, and Florida who share a passion for excellent customer service. They continuously surpass our client's expectations.

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If you have a passion for helping customers, building relationships, and delivering extraordinary, personalized customer service, FirstBank is the number one place for you.

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A Brief Overview of the Portfolio Analyst Role

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The Financial Risk Manager evaluates financial information of clients, manages credit needs of accounts assigned, structures and proposes credit facilities, performs periodic and annual reviews, criticizes reports, risk ratings, and industry analysis and monitors delinquency and compliance with covenants.

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The Analyst also monitors compliance with Federal Regulations and Bank Policies, as well as the accuracy and completeness of collateral and related documentation. The Analyst compiles and maintains portfolio data for management teams, follows up to assure compliance with Department's quarterly/annual review schedule, and assists in the preparation of presentations and other related tasks.

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Key Responsibilities

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Analyze and structure credit requests for new and existing borrowers within established performance standards on a timely basis.

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Prepare credit memoranda (CAM) with corresponding attachments, to accurately present pertinent credit risks and provide applicable recommendations.

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Monitor collateral periodically to detect any loss in value, monitor collateral exceptions, and follow up on pending items.

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Manage and control accounts assigned to guarantee borrowing relationships are within established risk parameters.

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Manage the risk associated with existing borrowing relationships through appropriate credit strategies, structure, and compliance with credit policies.

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Monitor delinquency reports and follow up on clients' conditions to determine when closer monitoring is needed.

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Early refer potential problematic loans to Department Head and/or Work Out unit as applicable.

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Establish the appropriate remedial attention levels and define action plans in collaboration with Department Head and Business Relations Officers.

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Work closely with Business Relations Officers in the review of documentation and obtain data needed for loan closing.

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Monitor compliance with company policies and practices, and regulatory requirements, in order to achieve satisfactory rating from internal and external auditors.

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Perform credit administration tasks including customer and site visits, covenant compliance, borrowing base review, periodic financial statement review, risk rating analysis, overdrafts, and account usage, and periodic review of collateral and documentation.

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Consistently provide high-level costumer service to minimize attrition, measured by responsiveness, work quality, product, and process knowledge, and professionalism.

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Required Skills and Qualifications

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Strong interpersonal communication skills.

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Strong problem recognition and solutions skills.

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Leadership skills.

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Computer software proficiency (Excel and financial models a must).

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Knowledge of commercial/corporate credit practices.

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Ability to write, speak, and comprehend English and Spanish.

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Teamwork-oriented.

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Strong communication skills.

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Strong analytical thinking capacity.

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Financial expertise.

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What You'll Need to Succeed

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A bachelor's degree in business is required for this position, preferably in accounting or finance.

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(2) two to (4) four years of relevant experience in a similar role must include analysis of financial statements, financial modeling, and projections.

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Salary Range: $80,000 - $120,000 per year



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