• Job Description

  Req#: req5028

  CONSUMER CREDIT ANALYST

  AUTO CREDIT ORIGINATION DEPARTMENT ( Mayaguez – Ponce)

  Our Company

  
  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.

  A Brief Overview

  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.

  What you’ll do

  · 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.

  What You’ll Need to Succeed

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

  · 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.

  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.

  EQUAL EMPLOYMENT OPORTUNITY EMPLOYER

  
  
  

  
  
  
  

• About the company

  First BanCorp is a publicly owned financial holding company located in San Juan, Puerto Rico.

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