Provide the Bank with a sound, independent and objective assessment of financial industry risk factors, as well as loan structure associated with real estate, retail, and corporate credit facility requests. Spread financial statements and analyze them. Accurately measure the financial condition and operating performance of retail, corporate, and real estate enterprises. Provide an independent and objective assessment of risk factors associated with the aforementioned retail, corporate and real estate credit facilities, within the Bank's credit policies, and make recommendations on conditions and loan structure to adequately cover the risk involved in the proposed facilities. Interact with Loan Officers in order to enhance the quality of information required for underwriting purposes and assists in the structuring of the loan request. Back up function for other operational roles performed in the department, as required by Supervisor. Assist Credit Analysis Manager in special projects that may be required. Assist the Credit Analysis Manager in the training process of junior credit analysts. Specifically, assist the trainees in adopting the operating procedures of the department, the formats used for credit analysis purposes, and the credit criteria applied to the different types of analysis. BA in finance/accounting/Business Administration, Economics or related disciplines. Two to three years of credit analysis experience, including credit risk evaluation in the domestic and international fields. Formal Credit Training Advance knowledge of Windows, Word and Excel. Working knowledge of Moody's Financial Analysts/Optimist, a plus. Detail oriented, superior math skills, good analytical and writing skills a must. Ability to work independently and produce high quality financial analyses, including credit risk evaluation and loan structuring. Working knowledge and understanding of the Bank's Credit Policy and products. Preferably bilingual (English/Spanish).
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