Credit Officer (Aguadilla/West Side)

General Description

It has the responsibility to evaluate customer requests for loans to individuals of Popular Auto in compliance with the guidelines outlined in the credit policy of individuals.

Essential Duties and Responsibilities

Complete the analysis of the applications guaranteeing the growth and profitability in their credit portfolio to individuals according to the business goals.

Verify all the information of the requests, the data and financial condition of the client that allows to make a credit decision that is assertive and that complies with the quality standards of Popular Auto.

Minimum Education

Bachelor's Degree in Business Administration

Experience

Minimum of three (3) to five (5) years of experience in auto and/or banking industry preferably.

Other Qualifications

Knowledge in credit analysis, financial statements, credit agency reports, collaterals, overdrafts and loan losses.

Possess negotiation skills as far as credit decisions are concerned.

Skills to develop and maintain good relationships with clients, anticipate their needs, present alternatives to solve situations and provide follow-up to the agreements achieved.

Knowledge of local and federal laws and regulations that apply to the financial industry and govern consumer credit.

Knowledge and dominance in the management of ACAPS or other credit approval systems.

Knowledge and domain in MS Office programs such as: Excel, Word and Outlook.

Ability to express orally and in writing, both in English and Spanish.

Ability to adapt to new situations.

Ability to work under pressure and with multiple tasks at the same time.

Available to travel West side route.

Competencies

Accountability
Analytical Discipline
Collaboration & Teamwork
Change Agent
Customer Centric
Self Development
Business Excellence
Character

Popular Inc., is an Equal Opportunity Employer