Credit Analyst NY/FL

Date: Sep 29, 2022

Location: Florida, NY, US, 10004

Join the Popular Team!

Founded in 1893, Popular Inc. has been built upon strong institutional values while providing broad financial services within the United States, Puerto Rico, and the Caribbean.

We strive to create an extraordinary legacy with a passion for customer service, tremendous dedication to our employees, and strong partnerships in the communities where we reside. Come explore Popular - Our bottom line is you.


At Popular, we offer a wide variety of services and financial solutions to serve our communities in Puerto Rico, United States & Virgin Islands. As employees, we are dedicated to making our customers dreams come true by offering financial solutions in 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; this is why we value their diverse skills, experiences and backgrounds.


Are you ready for a rewarding career?

Over 8,000 people in Puerto Rico, United States and Virgin Islands work at Popular.

Come and join our community!

Commercial Credit C&I/MM/HC-NY

We are looking for a Credit Analyst to join our Commercial Credit Team in New York, NY. In this position you will be responsible for the support of quality loan origination, analysis, processing, and reporting of the full assessment of credits and timely completion of C&I with a focus on Healthcare and Middle Market credit analyses associated with Commercial Banking, Business Banking, Healthcare, and Middle Market loans

In this position, you will:

• Prepare well-organized, thorough, and concise written credit memorandums on all new loans, renewals, extensions, and modifications relative to financial strengths and weaknesses of borrowers, risk assessments, strength of guarantors, industry analysis, and collateral and loan structures with opinions as to credit worthiness.

• Spread financial statements through the use of computerized financial software program and analyze reports produced by the system for preparation of written reviews.

• Work with Account Officers to gather information on the companies being analyzed and better assess the risks associated with the credit. Also work with Relationship Managers to resolve issues that arise during the underwriting process.

• Review and document the third-party reports such as real estate appraisals, environmental assessments, property condition reports, etc.

• Analyze loans relative to the loan structure, financial strength, cash flow (historical and projected), guarantors, and overall strengths and weaknesses of the deal.  For R/E related loans, analyze rent rolls and leases, collateral, market/neighborhood, among others. 

• Provide opinions as to the creditworthiness of the Borrower and assess the Borrower’s appropriate risk rating based on the bank’s criteria.

• Participate in weekly Credit Pipeline meeting to provide status on assigned deals.

• Assist in portfolio management activities such as completing Annual Financial Updates and Loan Management Reports on existing borrowers.

• Monitor the loan compliance on existing customer accounts.

• Perform other underwriting related activities as directed by the Credit Supervisor including screening new deals, among others

To be considered, you will need:

• Thorough knowledge of accounting and legal principles underlying the bank’s documents.

• Bachelor’s Degree in Accounting or Finance combined with a minimum 5-year related experience.  Underwriting C&I and Middle Market experience required, including Asset Based Lending, financing of Business acquisitions, etc.

• Computer literate: fluency in Microsoft Office programs, Excel analysis required

• Good verbal and interpersonal skills.

• Effective report writing and other written communication skills.

• Detailed-oriented and organized.

• Ability to solve problems, make decisions, juggle underwriting of multiple deals, prioritize tasks, and meet required deadlines.

• Ability to highlight loan risks or any problems or questions during the deal underwriting phase and prior to finalizing the analysis.

• Clear verbal communication with internal customers and third-party participants (as needed).

• Ability to establish and maintain effective work relationships both internally and externally.

Important: The candidate must provide evidence of academic preparation or courses related to the job posting, if necessary.


As a leading financial institution in the communities we serve, we reaffirm our commitment to always offer essential financial services and solutions for our customers, 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.




Popular is an Equal Opportunity Employer

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