Advisor, Commercial Credit

The Advisor, Commercial Credit contribute to the overall management and profitability of the Bank's Large loan portfolio via adequate adjudication of related credits, within the Bank's Credit Policies and in compliance with local and state and federal regulations, within the established underwriting guidelines under appropriate authority level. Position will be working hybrid based in San Juan, PR

Main Duties & Responsibilities

• Perform annual credit reviews of commercial existing portfolio and periodic loan covenant review as applicable in compliance with Bank’s credit policy and procedures, including review of risk ratings and propose changes as applicable.
• Review Credit Referral and documentations for completeness.
• Perform spreading of prospects or borrower's financials at the system.
• Prepare a complete and adequate supported credit proposal or memorandum in compliance with Bank’s policy and regulations.
• Attend Credit Committees meetings and discuss credit presentation and recommendation.
• Effectively manage the portfolio at an acceptable level of risk. Avert losses and delinquency within assigned portfolio.
• Monitor loan maturity dates to minimize technical delinquency and the timely renewal of large loans.
• Maintain quality of assigned loan portfolio through timely recognition of flags and changes in borrower’s financial condition that should be reflected in Risk Ratings. Ensure corrective actions in order to avoid further deterioration.
• Other duties may be assigned.

Minimum Requirements

Li-Hybrid

WORK AUTHORIZATION & ELEGIBILITY :