Sr. Credit Analyst
About The Position
Popular is seeking a US Sr. Credit Analyst to join its Popular Association Banking (Community Association) team in Miami Lakes, Florida. The role is responsible for underwriting new commercial credit requests and renewals, including the bank’s most complex requests, and conducting annual financial reviews of existing commercial relationships. The position works with Commercial Loan Officers and credit department leadership to identify and communicate credit risks to credit approvers and loan committees. The role also supports portfolio analytics, loan loss recommendations, staff development, and adherence to bank lending policy and interagency regulations. This position is subject to a hybrid work model benefit where applicable, based on organizational needs. Applicants must be authorized to work for any employer in the United States; visa sponsorship or transfer is not available. The candidate may be required to provide evidence of academic preparation or coursework related to the job posting. Popular may require employees to provide services during and immediately after emergencies or natural disasters, as its employees are considered essential workers.
Requirements
- Bachelor’s degree in Accounting or Finance from an accredited four-year college.
- Five or more years of commercial credit experience, preferably within a bank environment.
- Thorough knowledge of accounting and legal principles underlying the bank’s documents.
- Computer literacy and fluency in Microsoft Office programs.
- Authorization to work for any employer in the United States; visa sponsorship or transfer is not available.
Nice To Haves
- Experience with a lease administration database.
- Experience with the SAP system.
- A bachelor’s degree is also listed as preferred.
Responsibilities
- Underwrite new commercial requests and renewals, including the bank’s most complex requests.
- Perform annual financial reviews of existing commercial relationships.
- Review appraisals and real estate evaluations.
- Monitor and test loan covenants for existing credit relationships.
- Collaborate with Commercial Loan Officers and credit department leadership to identify credit risks and communicate them to credit approvers and loan committees.
- Identify exceptions to the bank’s lending policy and ensure requests receive the appropriate level of approval under policy requirements.
- Train and mentor staff to support their development, promotion, and independence, particularly in handling complex credits.
- Develop portfolio analytics, including high loan-to-value (HLTV) analysis, policy tracking, and stress testing.
- Make presentations to the bank’s loan committees when appropriate.
- Contribute to loan loss recommendations.
- Maintain a strong understanding of the bank’s lending policy and interagency regulations.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
