General Description Credit risk reporting and documentation are essential components of the credit risk management function. Accurate and comprehensive reporting enables Popular to monitor credit risks effectively, assess portfolio performance, and comply with regulatory requirements. This job is responsible for collecting, analyzing, and reporting credit risk information to internal and external stakeholders regarding Popular's loan portfolios. This information allows management to measure, manage, and limit credit risk within the risk appetite of the Corporation and make informed decisions regarding risk management strategies.
Essential Duties and Responsibilities Manage loan data systems to collect, validate, organize, and analyze data to summarize into key reports, including information on key credit risk metrics, such as credit limits, loan growth, delinquencies, classified assets, portfolio concentration, among others.Prepare a wide range of credit risk reports and presentations for the Board of Directors ("BOD"), Senior Management (such as the Credit Strategy Committee ("CRESCO"), Comptroller's and regulators).Prepare applicable credit risk disclosure requirements for SEC10Q/K reporting and FFIEC Call Report.Review monthly or quarterly credit risk reporting metrics. Research and analyze credit metric trends and emerging risks. Develop insightful, value-added analyses with detailed explanations regarding drivers of those results. Present numerical data effectively.Timely and accurate internal and external reporting, meeting accounting and stakeholders' requirements along with robust documentation and audit trails practices.Liaise with business units and Credit Risk departments to ensure the integrity of the credit risk KRIs, such as delinquencies, NPLs (non-performing loans), LMFDs (loans with financial difficulties), NCOs (net charge-offs), among others.Liaise with Comptroller's Division to ensure reporting standards conform with regulatory guidance and internal controls.Take advantage of the digital transformation and tools available to build more efficient reports.Supervisory Responsibilities:
This job has no supervisory responsibilities.
Education Bachelor's degree in Business, Finance, or Accounting or related field required.Experience At least four years of related experience.Banking experience in credit risk, financial analysis, portfolio management, and/or accounting tasks is preferred.Knowledge, Skills and Abilities (KSA's) Understanding of loan applications: CL2000, IDA, ILS, MSP, CLIS, is a must.Strong knowledge in work related to portfolio monitoring and analysis, credit quality measurement and reporting.Advanced knowledge in Excel, PowerPoint, Power BI, Word, SharePoint, and Outlook.Strong proficiency in financial analysis and general accounting to evaluate and interpret credit risk information.Demonstrated analytical, decision-making, and effective problem-solving skills.Strong ability to interpret information and visually display the message in presentation form to facilitate strategic communication to the BOD and Senior Management, among others.Knowledge of credit processes and accounting.Knowledge in database extraction and reports generation systems.Ability to work with a high degree of accuracy and attention to detail.A high level of organization and ability to quickly adapt to changing priorities.Ability to work under pressure on multiple projects in a fast-paced environment, while maintaining the quality of work and meeting deadlines.Ability to plan and coordinate with different internal users and external providers.Ability to work with minimal supervision while performing duties.Team player, ability to delegate and monitor certain tasks, multitasker, and positive working attitude.Strong communication skills (verbal/written - Spanish/English). Fluent documenting.Values Passion for People, Succeed Together, Own Every Moment, Build the Future.
Additional Requirements The information provided here is only a general guide as to the nature of the position and does not constitute an exact description of the goals, tasks, duties, and responsibilities of the position. The specific details of each position are described in the employee's performance evaluation.
Important: The candidate must provide evidence of academic preparation or courses related to the job posting if necessary.
ABOUT US Popular is Puerto Rico's leading financial institution and has been evolving since it was founded over a century ago. From a small bank, it has developed into a large corporation that offers a wide variety of services and financial solutions to our customers, with a 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 at 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
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