COMMERCIAL CREDIT ANALYST II - CORPORATE BANKING FL
COMMERCIAL CREDIT ANALYST - CORPORATE BANKING DEPARTMENT
- Responsible for the underwriting and credit analysis of Corporate, Commercial Real Estate, Middle Market and ABL loans, to determine feasibility and credit risk of granting loans.
- Underwrite and analyze loan packages by evaluating and reviewing loan package, financial statements, tax returns, appraisals reports, environmental reports, and other related loan information and supporting documentation.
- Ensure that the loan package complies with credit, underwriting standards and lending/credit policies.
- Prepares Credit Approval Memorandums (CAM’s) for presentation to applicable approval authority committee.
- Maintains continuous contact with RM’s, Agent Bank and customers as needed to provide information on transaction status, discrepancies and resolves problems, concerns/doubts.
- Assist the Corporate Banking Department concerning loan policies and procedures, quality control matters, loan review, and underwriting.
- Individual is required to work independently with little supervision and meet established deadlines.
Independence of Judgment
- Reports must be completed by specified deadline.
Physical Demands, Education and Skills
- The physical demands described here are representative of those that must be met by the employee to successfully perform the essential functions of this position.
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Strong knowledge of Microsoft Office Suite and proficient at typing.
- Understanding of financial information and loan documentation.
- Able to handle stress.
- Good communication skills
Minimum of two years in banking environment and/or credit field.
Employees in this job work in an office environment with a comfortable room temperature, good lighting, and quiet conditions. These employees are exposed to external elements when representing the corporation at external events and may be required to work extended hours, including holidays, should these coincide with company events.
Disclaimer
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.
EOE/D/V/M/F/DFWP
First BanCorp. is a corporation organized under the laws of the Commonwealth of Puerto Rico and the United States of America that offers equal employment opportunities and does not discriminate against any person on the basis of race, color, religious beliefs, gender, age, national origin, physical or mental handicap, Vietnam veteran or disabled veteran. First BanCorp., its subsidiaries and affiliates are federal contractors who comply with The Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA) as amended and the Rehabilitation Law of 1974 as amended. These laws and their corresponding regulations require that First BanCorp. take affirmative action to employ and promote qualified handicapped individuals, handicapped veterans, Vietnam Era veterans and other eligible veterans. If you are handicapped, a handicapped veteran a Vietnam Era veteran or an eligible veteran, please inform us as we would like to include you in our Affirmative Action Plan. You may do it now or at any moment in the future. Offering this information is voluntary. This information will help us take reasonable action to accommodate your needs. If you choose to identify yourself, the information provided will be used exclusively for compliance with the applicable laws and regulations. The information will remain confidential except when it must be shared as necessary with (1) supervisors and managers; (2) security and first aid personnel; (3) government officials in charge of related laws' legal compliance. If you wish to voluntarily identify yourself, you may call our Human Resources Department at 787.729.8179.
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