US Loans Analyst: Commercial Underwriting & Portfolio

Oriental; San Juan (PR); Hybrid; USD 55,000 - 90,000; Full time

Job summary

Oriental is seeking an Analyst for the US Banking Commercial Loan Program to join our San Juan, PR and Charlotte, NC offices. The role supports underwriting of new loan originations and portfolio management across industries, with a hybrid work arrangement reporting to San Juan, PR.

The ideal candidate holds a bachelor’s in Finance/Accounting/Economics (MBA preferred) and 1+ years in commercial credit analysis, with strong financial modeling and credit analysis skills.

Qualifications

• Bachelor’s degree in Finance/Accounting, Economics, or business related degree required. MBA preferred.
• One (1)+ years of experience in commercial credit analysis/portfolio management required.
• Knowledge of capital markets and commercial/corporate product offerings, including syndicated/leveraged lending desired
• Strong skills in quantitative analysis, financial modeling, and credit analysis required.
• Excellent oral & written communication skills in English, being able to communicate at all organizational levels. Proficiency in Spanish would be a plus
• Ability to work on demanding tasks independently, effectively manage deadlines, and have excellent prioritizing skills.
• Expertise in computer skills, including but not limited to the Microsoft Office suite required. Moody’s Credit Lens, and other financial software tools such as Pitchbook and S&P Capital IQ strongly preferred.

Responsibilities

• Provide analytical support in the preparation of new credit underwritings, loan modifications, and periodic credit reviews.
• Performing all required financial spreads.
• Building financial models used for valuation and forecast.
• Assessing and evaluating the credit risk of a prospective or existing borrower flagging early warning signals.
• Uploading all necessary documentation for credit underwriting and approval.
• Work alongside the Portfolio Leads and Portfolio Manager in the preparation of regular portfolio reports, industry research, and other strategic initiatives.
• Stay abreast of news and events that affect the different industries/sectors covered within the US Loans portfolio.
• Develop and maintain strong relationships with business partners, internal and external stakeholders.
• Collaborate with the USLP Management Team including its Credit Risk Unit to manage optimal workflow, assist in identifying process breakdowns, and develop internal enhancements.
• Be responsible for completing annual training programs.
• Other duties may be assigned.

Skills

Financial modeling

Credit analysis

Quantitative analysis

English fluency

Spanish language

Education

Bachelor's degree in Finance/Accounting/Economics or related field

MBA preferred

Tools

Moody’s Credit Lens

Pitchbook

S&P Capital IQ

Job description

Oriental is seeking an Analyst for the US Banking Commercial Loan Program to join our San Juan, PR and Charlotte, NC offices. The role supports underwriting of new loan originations and portfolio management across industries, with a hybrid work arrangement reporting to San Juan, PR.

The ideal candidate holds a bachelor’s in Finance/Accounting/Economics (MBA preferred) and 1+ years in commercial credit analysis, with strong financial modeling and credit analysis skills.