Analyst, US Loans: Commercial Underwriting & Portfolio

Oriental-Bank; San Juan (PR); Hybrid; USD 65,000 - 90,000; Full time

Job summary

OFG Bancorp in the United States and Puerto Rico is seeking an Analyst for the US Banking Commercial Loan Program. The role focuses on underwriting new commercial loan originations, portfolio management, and risk assessments across various industries. Hybrid work is available and reports to San Juan, PR.

You will build financial models, perform spreads, and collaborate with portfolio leads, in a fast-paced environment that emphasizes accurate analysis and timely decision-making.

Qualifications

• Bachelor’s degree in Finance/Accounting, Economics, or a business-related field.
• MBA preferred.
• 1+ years of experience in commercial credit analysis/portfolio management.
• Knowledge of capital markets and syndicated/leveraged lending desired.
• Strong quantitative analysis, financial modeling, and credit analysis skills.
• Excellent verbal and written English communication; Spanish a plus.

Responsibilities

• Provide analytical support in the preparation of new credit underwritings, loan modifications, and periodic credit reviews.
• Perform all required financial spreads and build models for valuation and forecast.
• Assess and evaluate credit risk of borrowers and flag early warning signals.
• Upload documentation for underwriting and approval; work with Portfolio Leads and Portfolio Manager on portfolio reports and industry research.
• Collaborate with the USLP Management Team and Credit Risk Unit to optimize workflow and drive internal enhancements.
• Complete annual training programs.
• Other duties may be assigned.

Skills

Quantitative analysis

Financial modeling

Credit analysis

Excel

Communication skills

Spanish (bonus)

Education

Bachelor's degree in Finance/Accounting/Economics/Business

MBA preferred

Tools

Moody’s Credit Lens

Pitchbook

S&P Capital IQ

Microsoft Office

Job description

OFG Bancorp in the United States and Puerto Rico is seeking an Analyst for the US Banking Commercial Loan Program. The role focuses on underwriting new commercial loan originations, portfolio management, and risk assessments across various industries. Hybrid work is available and reports to San Juan, PR.

You will build financial models, perform spreads, and collaborate with portfolio leads, in a fast-paced environment that emphasizes accurate analysis and timely decision-making.