Advisor, Commercial Credit

Shape the Future of Commercial Banking

At Oriental, we are committed to helping businesses grow while maintaining strong risk management practices that support long-term success. We are looking for an Advisor, Commercial Credit to join our Credit Risk team and play a key role in the evaluation, monitoring, and management of our commercial loan portfolio. If you are passionate about financial analysis, credit underwriting, and working closely with commercial banking professionals to support complex lending decisions, this opportunity is for you.

• Evaluate and underwrite commercial credit requests for new and existing clients.
• Prepare comprehensive credit memorandums and recommendations supported by sound financial analysis.
• Conduct annual credit reviews and ongoing assessments of borrower performance and risk ratings.
• Review financial statements, spread financial information, and assess repayment capacity.
• Monitor loan covenant compliance and identify emerging credit risks.
• Participate in Credit Committee meetings and present recommendations on credit facilities.
• Partner with Commercial Banking teams to maintain a high-quality loan portfolio.
• Proactively identify trends, concerns, and opportunities to mitigate portfolio risk.
• Monitor loan maturities and support timely renewals and portfolio maintenance.
• Perform customer visits and site inspections as part of the credit evaluation process.

• Education Bachelor's Degree in Finance, Accounting, Business Administration, or a related field.
• Experience Minimum of three (3) years of experience in commercial credit, credit analysis, lending, or a related banking function.
• Experience supporting commercial, corporate, or institutional banking relationships is preferred.
• Strong understanding of commercial banking products and financial statement analysis.
• Demonstrated ability to assess credit risk and make sound underwriting recommendations.

• Strong analytical and problem-solving capabilities.
• Excellent written and verbal communication skills.
• Ability to present complex financial information clearly and confidently.
• Strong organizational skills and attention to detail.
• Proficiency in Microsoft Office applications, particularly Excel.
• Ability to manage multiple priorities in a fast-paced environment.
• Relationship-building and collaboration skills.

• Advanced Spanish and English proficiency (written and verbal).

If you are ready to leverage your credit expertise, influence key lending decisions, and contribute to the success of Puerto Rico’s business community, we’d love to hear from you.

Legally authorized to work in the US is required. This position is of indefinite duration and requires candidates to have permanent or ongoing work authorization. Employee is responsible for maintaining eligible work authorization throughout his tenure with the organization.

Oriental is an Equal Opportunity Employer (EEO/Affirmative Action for Veterans/Workers with Disabilities) Recruitment Privacy Statement Compliance Posters #LI-Hybrid This may be the opportunity to change your life and take your career to the next level. Oriental is a great place to work, grow and develop. Each employee is key in the company’s success. Our team consists of an excellent group of people and we believe you could be one of them.

We offer you the opportunity to work and be part of an organization that is dedicated to progress. We offer diverse employment opportunities that go from internships to executive positions. We recognize that our employees are the most important asset of our company, which is why we foster an environment of collaboration, based on trust and mutual respect. Our selection process…