Senior Commercial Credit Analyst

4 weeks ago


Miami, Florida, United States First BanCorp Full time

Job Summary:

First BanCorp is seeking a detail-oriented and analytical Commercial Credit Analyst II to join our team. As a key member of our lending team, you will be responsible for working closely with the Senior Credit Officer to analyze and underwrite commercial real estate, multifamily, and business loans.

Key Responsibilities:

  • Conduct thorough credit analysis and underwriting of commercial loans, including reviewing financial statements, tax returns, appraisals, and other relevant documents.
  • Ensure loan packages comply with credit, underwriting standards, and lending policies.
  • Prepare and review credit approval memorandums, including credit analysis, collateral cash flow analysis, and debt service coverage ratios.
  • Maintain open communication with loan officers and customers to provide transaction status updates and resolve any issues.
  • Present loan files to the loan officer, senior credit officer, or lending authority for discussion and conclusion.

Requirements:

  • Minimum 2 years of experience in banking or a related field.
  • English/Spanish communication skills required to serve our Hispanic customer base.
  • Ability to work flexible hours during peak periods.


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