At Popular, we offer a wide variety of services and financial solutions to serve our communities in Puerto Rico, United States and Virgin Islands. 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.Are you ready for a rewarding career? Over 8,000 people in Puerto Rico, United States and Virgin Islands work at Popular. Come and join our communityJob TypeFull Time OpportunityGeneral DescriptionThe Commercial Relationship Officer attracts, establishes, maintains, and develops the overall relationship with the commercial credit customers of the Commercial Banking Center (Middle Market), by attending their banking needs, the sales of financing products and expanding overall relationship with both existing clients and prospects. Essential Duties and ResponsibilitiesResponsible for providing services to commercial loans clients under the guidelines of the Bank's loan policies and procedures including but not limited to::Managing and developing profitable relationships with assigned clients. Primary contact for their financial and banking needs including commercial credit and deposit products for Commercial Banking Center clients.:Maintain active communication with clients and consistently provides remarkable customer service.:Identifying and developing new credit opportunities with current clients and new prospects.:Collecting and analyzing necessary financial and related data with the support of Credit Analyst to determine general creditworthiness. Effective providing guidance to Credit Analysts in identifying, understanding, and explaining fluctuations and trends.:Analyzing and structuring credit facilities that meet the client's needs and the Bank's lending guidelines. Notifying and guiding the prospective borrower about feasible financing structures, collaborate with Credit Analysts and the Commercial Credit Officer to evaluate the request, recommend approval or declination of loans within established Bank policies and informing prospective borrower of decision.:Managing a commercial loan portfolio for adherence to loan terms and conditions including but not limited to customer and site visits, the timely receipt of required financial information, covenant compliance, regulatory compliance, timeliness of renewals, risk rating assessments, refinancings, restructures, amendments, waivers, and annual reviews.:Maintaining knowledge of business, financials, commercial products/ services, the market, and account needs.:Collaborate with team members to identify client's needs and address opportunities to expand the relationship with the institution while promoting the cross:selling of other Bank products and services.:Respond to customer requests or inquiries and resolve them promptly. Refer queries to the corresponding units and ensure continuous communication with the clients and/or the personnel involved.EducationBachelors Degree in Finance or AccountingExperienceFive years of experience in commercial lendingOther Qualifications- Written and verbal communication skills; in both Spanish and English (intermediate level).- Team:worker, ability to delegate and give directions to others.- Client and relationship management, analysis of financial statements and commercial credit knowledge.- Proficiency in the use of Word, Power Point, Excel, Teams and other Office 365 tools.- Ability to analyze, identify customer needs and collaborate with team members to successfully close opportunities.- Knowledge of commercial lending solutions and how to create holistic proposals to serve
