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. Position works hybrid and reports to San Juan, PR.
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)
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Skills Required
- Bachelor's degree in Finance, Accounting, Economics, or a related business field
- MBA
- At least one year of commercial credit analysis or portfolio management experience
- Knowledge of capital markets and commercial or corporate products, including syndicated or leveraged lending
- Strong quantitative analysis, financial modeling, and credit analysis skills
- Excellent oral and written English communication skills
- Spanish proficiency
- Ability to work independently, manage demanding tasks and deadlines, and prioritize effectively
- Proficiency with Microsoft Office and computer applications
- Experience with Moody's Credit Lens, PitchBook, and S&P Capital IQ
- Legal authorization to work in the United States with permanent or ongoing work authorization
Oriental Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Oriental and has not been reviewed or approved by Oriental.
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Healthcare Strength — Medical coverage is presented as comprehensive, including pharmacy and mental health services. This breadth is consistently highlighted in official materials.
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Retirement Support — Retirement planning includes a 401(k)/Puerto Rico-qualified plan with employer match and ongoing education from the plan administrator. This structure is positioned as a core element of the package for eligible employees.
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Leave & Time Off Breadth — Paid time off encompasses vacation (roughly 15–18 days depending on status), personal time, sick leave, and community service hours. Parental leave (maternity and paternity) and some flexible work arrangements are also noted.
Oriental Insights
What We Do
Since 1964, Oriental has thrived as one of Puerto Rico’s leading banks focused on serving the needs of consumers, businesses, and institutions. With multiple branches throughout the island, it has the second-largest network, and is the third-largest financial institution in core retail and commercial deposits. Oriental has a highly committed team of more than 1,500 employees serving nearly 300,000 clients. Since its establishment, Oriental has distinguished itself by delivering an unparalleled level of service to its clients making possible the progress of the customers, employees, investors and communities it serves. OFG Bancorp (NYSE: OFG), is its diversified financial holding company that operates under U.S. and Puerto Rico banking laws and regulations. Its three principal subsidiaries, Oriental Bank, Oriental Financial Services and Oriental Insurance, provide a full range of commercial, consumer and mortgage banking services, as well as financial planning, trust, insurance, investment brokerage and investment banking services.
