Sr. Credit Analyst

Commercial Credit - FloridaWe have an exciting opportunity for a US Sr. Credit Analyst to join our Popular Association Banking (Community Association) team in Miami Lakes, Florida. In this position you will be responsible for underwriting new commercial requests and renewals, including the bank's most complex requests. Performs annual financial reviews of existing commercial relationships.Nearest Major Market: Miami LakesNearest Secondary Market: MiamiJob Segment: Real Estate, SalesIn this position, you will:Perform review of appraisals and real estate evaluations. Monitor and test loan covenants for existing credit relationships.Work collaboratively with Commercial Loan Officers and the credit department leadership to ensure that credit risks are identified and credited to credit approvers and loan committees.Ensure that all exceptions to the bank's lending policy are noted and noted that the proper level of approval is for all requests based on requirements in the bank's lending policy.Provide training and mentoring of staff for promotion and enhancement, developing enhanced independence in all aspects, particularly relating to more complex credits.Develop continually advancing portfolio analytics, including high loan to value (HLTV), policy tracking, and stress testing. When appropriate, make presentations to the bank's various loan committees.Contribute to recommendations for the loan loss.Maintain a strong understanding of the bank's lending policy, as well as interagency regulations.To be considered, you will need:Bachelor’s Degree in Accounting or Finance from an accredited four-year college.Five or more years of commercial credit experience, preferably within a bank environment.Thorough knowledge of accounting and legal principles underlying the bank's documents.Computer literate; fluency in Microsoft Office Programs.Experience in lease administration database, SAP system preferred.Bachelor's degree, preferred.Important: The candidate must provide evidence of academic preparation or courses related to the job posting, if necessary.Our hybrid work model benefit applies to certain positions and is subject to changes based on the organizational needs.Applicants must be authorized to work for any employer in the United States. This position is not open to applicants who need visa sponsorship or transfer of visa sponsorship at this time.ABOUT USPopular is Puerto Rico’s leading financial institution and have been evolving since it was founded over a century ago. From a small bank it has developed into a large corporation that offer a wide variety of services and financial solutions to our customers, with presence in the United States, the Caribbean and Latin America.As employees, we are dedicated to making our customers dreams come true by offering financial solutions in each stage of their life. Our extensive trajectory demonstrates the resiliency and determination of our employees to innovate, reach for the right solutions and strongly support the communities we serve; therefore, we value their diverse skills, experiences and backgrounds.We reaffirm our commitment to always offer essential financial services and solutions for our customers and communities, including during emergency situations and/or natural disasters. Popular’s employees are considered essential workers, whose role is critical in the continuity of these important services even under such circumstances. By applying to this position, you acknowledge that Popular may require your services during and immediately after any such events.If you have a disability or need more information about requesting an accommodation, please contact us at This email inbox is monitored for such types of requests only. All information you provide will be kept confidential and will be used only to the extent required to provide needed exemptions or reasonable accommodations. Any other correspondence will not receive a response.Are you ready for a rewarding career?Popular is an Equal Opportunity Employer, including Disability/Vets Popular is a Drug Free WorkplaceLearn more about us at and keep updated with our latest job postings at .Connect with us!LinkedIn | Facebook | Twitter | InstagramIf you are a California resident, please click here to learn more about your privacy rights.