Analyst, US Loans (Commercial Credit - Portfolio & Underwriting)

OFG Bancorp is a mid-cap, publicly traded, diversified modern financial services holding company with operations spanning Banking, Wealth Management, and Treasury. Our U.S. Banking division encompasses the US Loan Program, a direct and syndicated lending platform that engages with commercial and investment banks across the U.S. and across distinctive industries, focusing on stateside Middle-Market companies, Fund/Lending platforms and Renewable Energy. At OFG, we make possible the progress of our customers, employees, shareholders, and the communities we serve. Our U.S. Banking Team is committed to this mission ensuring both customers and partners thrive in this modern world, with a culture built on the foundation of our shared purpose, our focus on innovation, and our character. We believe that with teamwork, trust and personality, we can build lasting relationships, delivering true and lasting value. JOB OVERVIEW OFG’s US Banking Commercial Loan Program is currently recruiting an Analyst to join their team in the San Juan, PR and Charlotte, NC offices. As a member of the team, the Analyst will play a critical role in growing the US business by assisting in the underwriting of new commercial loan originations across various industries and portfolio management efforts of existing credit relationships. MAIN DUTIES AND RESPONSIBILITIES Provide analytical support in the preparation of new credit underwritings, loan modifications, and periodic credit reviews. This includes core functions such as: 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. MINIMUM REQUIREMENTS: 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. Minimum experience requirement can be substituted with the equivalent combination of education, training, and experience. 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. WORK AUTHORIZATION & ELEGIBILITY: Legally authorized to work in the US is required. This position is of indefinite duration and requires candidates to have permanent or ongoing work authorization. Employee is responsible for maintaining eligible work authorization throughout his tenure with the organization. Oriental is an Equal Opportunity Employer (EEO/Affirmative Action for Veterans/Workers with Disabilities) Recruitment Privacy Statement Compliance Posters #LI-Hybrid This may be the opportunity to change your life and take your career to the next level. Oriental is a great place to work, grow and develop. Each employee is key in the company's success. Our team consists of an excellent group of people and we believe you could be one of them. We offer you the opportunity to work and be part of an organization that is dedicated to progress. We offer diverse employment opportunities that go from internships to executive positions. We recognize that our employees are the most important asset of our company, which is why we foster an environment of collaboration, based on trust and mutual respect. Our selection process promotes equal employment opportunity and does not discriminate on grounds of sex, color, age, social status, religious beliefs, veteran status or disability. Included is reference material including our recruitment privacy policy and any relevant labor laws we abide to: Compliance_Posters / Labor Laws Recruitment Privacy Policy Statement Esta puede ser la oportunidad que cambie tu vida y lleve tu carrera profesional a otro nivel. Oriental es un gran lugar para trabajar, crecer y desarrollarse. Cada empleado es nuestro factor clave en el éxito de la compañía. La mejor gente del mundo trabaja aquí y creemos que podrías ser uno de ellos. Oriental te ofrece la oportunidad de trabajar y ser parte de una organización que se dedica al progreso. En Oriental ofrecemos diversas oportunidades de empleo, que van desde internados hasta puestos directivos. Reconocemos que nuestros empleados son el activo más importante de nuestra compañía, es por esto que fomentamos un ambiente de colaboración, basado en la confianza, el respeto mutuo, al valorar las diferencias de cada empleado. Nuestro proceso de selección es uno que promueve la igualdad de oportunidades en el empleo y no discrimina por razón de sexo, color, edad, condición social, creencias religiosas, condición de veterano o incapacidad. A continuación material de referencia incluyendo nuestra política de privacidad y leyes laborales aplicables: Afiches de Cumplimiento/ Leyes Laborales Política de Privacidad de Reclutamiento Apply tot his job