Get new jobs for this search by email

At FirstBank PR, we strive to be a trusted advisor to our clients and our employees are the ones that ensure we deliver on our promise of excellence in personalized customer service. Our more than 3,100 employees in Puerto Rico, the Virgin Islands and Florida share a passion for excellent customer service. We are proud of our team because they are continuously surpassing our client’s expectations.

Do you have a passion for helping customers, building relationships, and delivering extraordinary, personalized customer service? If your answer is yes, FirstBank is the number one place for you.

A Brief Overview

Assist in the execution of the Retail Credit Risk functions and analyses related to the Residential Mortgage and Consumer portfolios. Prepare reports and provide insight analysis on asset quality performance and monitor credit risk exposures and tolerance levels. Access the Bank’s systems and Databases, using several programming languages to gather the information needed.

What You’ll Need to Succeed

• Responsible for the preparation of recurrent loan portfolio reports and provide management with insight of the portfolio performance (Credit cards, Personal Loans, Auto, Mortgage, and consumer products).
• Prepares analysis in clear, concise, and actionable format and develops reports and dashboards as requested by Management.
• Analyzes trends to identify potential risks in a timely manner.
• Assist in the preparation of presentations and reports to Senior Management or BOD Credit Committee (i.e., Asset Quality, Concentration, Delinquency Committee).
• Monitor compliance with Asset Quality Budget and maintain up to date databases and reports (i.e., delinquency roll rates) to effectively manage and estimate potential future losses.
• Assist in the annual credit parameters review considering historical data, economic forecast, business projections, among other components that may impact performance.
• Assist the Retail Credit Risk Manager on evaluating business strategies (i.e., campaigns, automatic line increase, etc.) and in the preparation of event-driven analyses to proactively manage emerging risks.
• Remain abreast of lending topics including but not limited to regulator bulletins.
• Research and analyze root causes of identified risk trends. Access other reporting, data, or production systems to research root causes of trends or validate data integrity. May be asked to perform audits to ensure compliance with credit policy or ensure standard systems are working correctly.
• Assist on Lending Authorities requests, maintenance, and recommendation.
• Assist on remediating internal and external audit findings assigned.
• Assists management in special projects as required (i.e., portfolio sale or acquisition).
• Strong analytic thinking capacity.
• Proficient English and Spanish written and verbal communication skills.
• Ability to work independently, organize workload, prioritize, multitask, work under pressure, foresee problems, and accomplish established work plan on a timely manner.
• Strong quantitative problem-solving ability.
• MS Office software knowledge. Strong in the use of MS Excel.
• Statistical and financial mathematics skills.
• Strong ability to conceptualize initiatives and interpret information, and translate the message in presentation form to facilitate strategy communication to different audiences.
• Preferable R and SQL programming skills.

What You’ll Need

• Bachelor’s Degree in Business, Statistics, Economics, Mathematics or related.
• Two (2) years or more of banking experience, preferable in the credit risk area.
• Demonstrated analytical, decision-making, and effective problem-solving skills.
• Knowledge of credit products and services.
• Must be competent in the use of personal computer systems, internet applications and electronic mail, and various windows-based software applications to include, but not limited to, banking application, word processing, and spreadsheet software.