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The Advisor, Commercial Credit (Credit Analyst) primarily contributes to the overall management and profitability of the Bank's Corporate & Institutional loan portfolios via adequate adjudication of related credits, within the Bank's Credit Policies and in compliance with local, state, federal regulations, and the established underwriting guidelines under appropriate authority level. This position will be working hybrid and is based in Oriental Center building, San Juan, PR.

Main Duties & Responsibilities:

• Portfolio management and monitoring planning by setting priorities according to the strategy defined by customer, deadlines for reviews and any other parameters to be determined.

• Effectively manage the portfolio at an acceptable level of risk. Avert losses and delinquency within assigned portfolio.

• Maintain a complete and updated credit file in compliance with Bank’s policies, laws, and regulations.

• Manage and carry out an effective monitoring of the existing portfolio assigned to another Credit Officer, as requested by the Credit Manager.

• Perform analysis of credit applications for existing and new borrowers referred by the Business Unit and providing recommendations on a proficient manner.

• Review Credit Referral and accompanied documentations for completeness and prepare a preliminary question and pending items list.

• Prepare a complete and adequately supported credit proposal in compliance with Bank’s policy and regulations.

• Attend Credit Committees meetings and discuss credit presentation and recommendation.

• Communicate and refer credit approval/file to the Business and Closing Unit on a timely manner.

• Review commitment letters, and loan agreement for accuracy and adherence to credit approval.

• Carry out an effective monitoring plan of the existing loan portfolio and ascertain compliance with loan agreement and Banks’ policy. Maintain evidence of the monitoring plan and results. Notify any deviation and establish an action plan.

• Review risk ratings and propose changes as applicable.

• Review auditors reports and address findings.

• Prepare monitoring reports according to customer’s risk rating on a timely manner.

• Perform periodic site visits to monitor customers’ operations in coordination with Business Unit and prepare a Credit File Memo summarizing results.

• Discuss and attend committees meeting and follow up final recommendations.

• Other duties may be assigned.

Minimum Requirements:

• Bachelor’s degree in Business Administration, Finance or related field required.

• Five (5) years of credit analysis experience and banking required. One (1) year of experience in Corporate and Institutional segment preferred.

• Minimum education and experience required can be substituted with the equivalent combination of education, training and experience that provides the required knowledge skills and abilities.

• Strong experience and knowledge in the review of legal and closing documentation related to commercial loans required.

• Commercial banking products knowledge and experience highly required.

• Excellent computer skills, including Microsoft Office (Word, Excel, Power Point) required.

• Excellent interpersonal skills, customer service and ability to work effectively with internal clients, and staff.

• Analytical, proactive problem solving, organized, detail oriented and able to multitask observing the defined quality standards.

• Excellent written and verbal communication skills in Spanish & English required.

#Li-Hybrid

Oriental is an Equal Opportunity Employer ( EEO Employer / Affirmative Action for Females / Disabled / Veterans )

Recruitment Privacy Statement (https://orientalbank.com/assets/pdfs/recruitment_privacy_policy_statement.pdf)

Compliance Posters

This may be the opportunity to change your life and take your career to the next level.

Oriental is a great place to work, grow and develop. Each employee is key in the company's success. Our team consists of an excellent group of people and we believe you could be one of them. We offer you the opportunity to work and be part of an organization that is dedicated to progress. We offer diverse employment opportunities that go from internships to executive positions. We recognize that our employees are the most important asset of our company, which is why we foster an environment of collaboration, based on trust and mutual respect. Our selection process promotes equal employment opportunity and does not discriminate on grounds of sex, color, age, social status, religious beliefs, veteran status or disability. Included is reference material including our recruitment privacy policy and any relevant labor laws we abide to:

Compliance_Posters / Labor Laws (https://orientalbank.com/assets/pdfs/compliance_posters.pdf)

Recruitment Privacy Policy Statement

Esta puede ser la oportunidad que cambie tu vida y lleve tu carrera profesional a otro nivel.

Oriental es un gran lugar para trabajar, crecer y desarrollarse. Cada empleado es nuestro factor clave en el éxito de la compañía. La mejor gente del mundo trabaja aquí y creemos que podrías ser uno de ellos. Oriental te ofrece la oportunidad de trabajar y ser parte de una organización que se dedica al progreso. En Oriental ofrecemos diversas oportunidades de empleo, que van desde internados hasta puestos directivos. Reconocemos que nuestros empleados son el activo más importante de nuestra compañía, es por esto que fomentamos un ambiente de colaboración, basado en la confianza, el respeto mutuo, al valorar las diferencias de cada empleado. Nuestro proceso de selección es uno que promueve la igualdad de oportunidades en el empleo y no discrimina por razón de sexo, color, edad, condición social, creencias religiosas, condición de veterano o incapacidad. A continuación material de referencia incluyendo nuestra política de privacidad y leyes laborales aplicables:

Afiches de Cumplimiento/ Leyes Laborales (https://orientalbank.com/assets/pdfs/compliance_posters.pdf)

Política de Privacidad de Reclutamiento