Credit Officer

Full Time opportunity General Description Examines, evaluates, and authorizes or recommends approval of customer applications, auto and commercial loans, by performing the following duties. Essential Duties and Responsibilities Responsible for examining, evaluating, authorizing and recommending the approval of customer applications, credit lines and commercial loans from Popular Auto. Is responsible for observing the credit standards required by Risk Management and Popular Auto in the evaluation and financial analysis of the application. Have the main objective to guarantee the growth and profitability of the commercial portfolio, maintaining the data integrity in the financial condition of the applicant and Popular Auto. . Education Bachelor's Degree in Business Administration or Finance Experience At least (3) three to (5) five years of experience in Auto and Banking industry Other Qualifications Knowledge in commercial credit analysis, financial statements, credit agencies reports and collateral. Possess negotiation skills. Skills to develop and maintain good relationships with customers to anticipate their needs, present alternatives to resolve situations and provide follow-up to agreements reached. Knowledge of local and federal laws and regulations that apply to the financial industry and govern consumer credit. Knowledge and mastery in the management of ACAPS or other credit approval systems. Knowledge and mastery in MS Office programs such as Excel, Word and Outlook. Excellent oral and in written skills, both in English and Spanish. Ability to work under pressure and with multiple tasks at the same time. Competencies Accountability Analytical Discipline Collaboration & Teamwork Change Agent Customer Centric Self Development Business Excellence Character SDL2017