Analyst, US Loans (Commercial Underwriting & Portfolio Management)

Oriental Bank

5d•Hybrid

About The Position

OFG Bancorp’s U.S. Banking Commercial Loan Program is recruiting an Analyst to support the growth of its U.S. business. The role assists with underwriting new commercial loan originations across various industries and managing the portfolio of existing credit relationships. The position is hybrid and reports to San Juan, Puerto Rico, with the team based in San Juan and Charlotte offices.

Requirements

Bachelor’s degree in Finance, Accounting, Economics, or a related business field.
At least one year of experience in commercial credit analysis or portfolio management; equivalent combinations of education, training, and experience may substitute for the minimum experience requirement.
Strong quantitative analysis, financial modeling, and credit analysis skills.
Excellent oral and written communication skills in English, with the ability to communicate at all organizational levels.
Ability to work independently on demanding tasks, manage deadlines effectively, and prioritize work.
Proficiency with computer applications, including Microsoft Office.
Legally authorized to work in the United States, with permanent or ongoing work authorization that can be maintained throughout employment.

Nice To Haves

MBA.
Knowledge of capital markets and commercial or corporate product offerings, including syndicated or leveraged lending.
Proficiency in Spanish.
Experience with Moody’s Credit Lens and financial software such as PitchBook and S&P Capital IQ.

Responsibilities

Provide analytical support for new credit underwritings, loan modifications, and periodic credit reviews.
Perform required financial spreads and build financial models for valuation and forecasting.
Assess credit risk for prospective and existing borrowers and flag early warning signals.
Upload documentation needed for credit underwriting and approval.
Work with Portfolio Leads and the Portfolio Manager on regular portfolio reports, industry research, and strategic initiatives.
Monitor news and events affecting industries and sectors in the U.S. Loans portfolio.
Develop and maintain relationships with business partners and internal and external stakeholders.
Collaborate with the USLP Management Team, including the Credit Risk Unit, to manage workflow, identify process breakdowns, and develop internal enhancements.
Complete annual training programs.
Perform other duties as assigned.