CONSUMER CREDIT ANALYST
First BanCorp
Puerto Rico
hace 11 días

Job Summary

The Auto Credit Officer evaluates and performs credit decisions of auto loans potential clients. These applications may come from auto dealers, bank branches and other related areas.

Through his / her duties the Auto Credit Officer guarantees the fulfillment of decisions with the parameters and policies established by the Bank and Federal and State laws.

Essential Responsibilities :

  • Evaluates and analyzes Auto Financing Credit applications for retail and leasing potential clients.
  • Decide the approval or denial of auto loan credit applications in accordance to credit guidelines and policies established by the corporation.
  • Assures the fulfilling of all established credit policies and parameters thought the credit application process by means of evaluation of credit reports, customer profiles, dealer negotiations, collaterals quality and performs demographic analysis.
  • Assists internal and external customers with their financial or business needs and loan structure. Performs client’s interviews when needed.
  • Submit business results MIS for management on a daily or monthly basis.
  • Prepares dealer production and performance reports as requested.
  • Contributes to the development of Floor Plan Dealers business relationship.
  • Competencies

  • Write, speak and comprehend English and Spanish.
  • Strong analytical thinking capacity.
  • Financial Statement Analysis knowledge.
  • Federal and local regulations awareness.
  • Decision making capacity.
  • Customer Service oriented attitude.
  • Knowledge of Word and Excel Processing software, Spreadsheet software.
  • Interpersonal communication skills.
  • Ability to work under pressure.
  • Available to work on weekends, holydays and extended hours.
  • The employee must have the availability to report to work to the assigned dealer within the Island and VI.
  • Supervision responsibilities

    This position has some direct supervision responsibilities helping the Auto Credit Manager with supervisory responsibilities as :

  • May assists Senior Credit Officers and Credit Manager as a Team Leader on the daily operations.
  • Limited supervision of Credit Officers.
  • Degree of Judgment

    The degree of judgment is related to continuous analysis of specialized and complex subjects.

    Impact of Errors

    The impact of errors in this position could affect the essential activities for the Bank, either from other divisions or departments, or within.

    Physical Demands

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

    Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Specific visions abilities required by this job include close vision and distance vision. While performing the duties of this job, the employee is regularly required to sit;
  • use hands to finger, handle, or feel and talk or hear. The employee is often required to stand, walk and drive a motor vehicle.

    The employee must have the availability to report to work to the assigned dealer within the Island.Also, may be required to lift and move boxes or packages not exceeding 10 pounds in weight.

    Work Environment

    Employee on this job is exposed to varying weather conditions when visiting clients.

    Minimum Requirements

    Bachelor’s Degree in Business Administration with two to three year of experience in consumer credit analyst, preferable in the automobile industry.

    Also, is preferable but not compulsory, a Credit Analyst Certification and Financial Statement Analysis courses.The position requires having automobile in good conditions and valid license in P.

    R.Available to work on weekends, holydays and extended hours.

  • Two (2) positions available
  • Ponce - Mayaguez - Manatí
  • Metro
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