Job Description:

Position Title: Sr. Credit Analyst US

Date: Nov 4, 2024

Location: Miami Lakes, FL, US, 33016

Company: Popular Bank

Commercial Credit - Florida

We are currently searching for a Sr. Credit Analyst US to join our Commercial Credit team. In this position you will be responsible for underwriting new commercial requests and renewals, including the bank's most complex requests for various lines of business with an emphasis on Commercial & Industrial, Multi-Family and Commercial Real Estate, and perform annual financial reviews of existing commercial relationships.

In this position, you will:

• Analyze and assess applicant financial status, strengths, credit, industry, and property evaluation to determine feasibility of granting loan, including the following:
  • Spread financials and perform projections and/or proformas as well as sensitivity analysis.
  • Review and assess supporting reports related to the transactions, such as appraisals, environmental, inspections, field audits, plan and cost review, etc.
  • Work with Portfolio Manager and Relationship Manager to obtain necessary information. Give Relationship Manager feedback on issues and suggest potential structures and resolutions.
  • Manage and prioritize multiple deals at the same time, in order to provide a good client experience.
• Occasionally go on joint calls with Relationship Manager.
• Make recommendations on credits to the person with appropriate lending authority.
• Use lending authority on credits underwritten by another Credit Analyst.
• Prescreen new deals.
• Help train other credit analysts, and cross train in multiple bank products.

• Monitor and test loan covenants for existing credit relationships.
• Ensure that all exceptions to the bank's lending policy are noted and that the proper level of approval is obtained.
• Maintain a strong understanding of the bank's lending policy, as well as interagency regulations.
• Maintain a good working relationship with the Line of Business.

To be considered, you will need:

• Bachelor’s Degree in Accounting or Finance from an accredited four-year college.
• Five or more recent years of commercial credit underwriting experience within a bank.
• Excellent written and verbal communication skills, attention to detail and time management

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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