Senior Financial Analyst

General Description

• Credit risk reporting and documentation are essential components of the credit risk management function. Accurate and comprehensive reporting enables Popular to monitor credit risks effectively, assess portfolio performance, and comply with regulatory requirements.  This job is responsible for collecting, analyzing and reporting credit risk information to internal and external stakeholders regarding Popular's loan portfolios. This information allows management to measure, manage and limit credit risk within the risk appetite of the Corporation, and make informed decisions regarding risk management strategies.  

Essential Duties and Responsibilities

• Manage loan data systems to collect, validate, organize and analyze data to summarize into key reports, including information on key credit risk metrics, such as credit limits, loan growth, delinquencies, classified assets, portfolio concentration, among others.
• Prepare a wide-range of credit risk reports and presentations for the Board of Directors (“BOD”), Senior Management (such as the Credit Strategy Committee (“CRESCO”), Comptroller’s and regulators
• Prepare applicable credit risk disclosure requirements for SEC10Q/K reporting and FFIEC Call Report
• Review of monthly or quarterly credit risk reporting metrics. Research and analyze credit metric trends and emerging risks.  Develops insightful, value-added analyses with detailed explanations regarding drivers of those results. Presents numerical data effectively.
• Timely and accurate internal and external reporting, meeting accounting and stakeholders’ requirements and with along with robust documentation and audit trails practices
• Liaise with business units and Credit Risk departments to ensure the integrity of the credit risk KRIs, such as delinquencies, NPLs (non-performing loans), LMFDs (loans with financial difficulties), NCOs (net charge-offs), among others.
• Liaise with Comptroller’s Division to ensure reporting standards conform with regulatory guidance and internal controls
• Take advantage of the digital transformation and tools available to build more efficient reports

Supervisory Responsibilities:
This job has no supervisory responsibilities.

Education

• Bachelor’s degree in Business, Finance, or Accounting or related field required.

Experience

• At least four years of related experience.
• Banking experience in credit risk, financial analysis, portfolio management, and/or accounting tasks is preferred. 

Knowledge, Skills and Abilities (KSA's)

• Understanding of loan applications: CL2000, IDA, ILS, MSP, CLIS, is a must.
• Strong knowledge in work related to portfolio monitoring and analysis, credit quality measurement and reporting.
• Advanced knowledge in Excel PowerPoint, Power BI, Word Sharepoint and Outlook.
• Strong proficiency in financial analysis and general accounting to evaluate and interpret credit risk information.
• Demonstrated analytical, decision-making, and effective problem-solving skills.
• Strong ability to interpret information and visually display the message in presentation form to facilitate strategic communication to the BOD and Senior Management, among others.
• Knowledge of credit processes and accounting.
• Knowledge in database extraction and reports generation systems.
• Ability to work with a high degree of accuracy and attention to detail
• A high level of organization and ability to quickly adapt to changing in priorities
• Ability to work under pressure in multiple projects in a fast-paced environment, while maintaining the quality of work and meeting deadlines
• Ability to plan and coordinate with different internal users and external providers.
• Ability to work with minimal supervision while performing duties.
• Team-worker, ability to delegate and monitor certain tasks, multitasker and positive working attitude.  
• Strong communication skills (verbal/written - Spanish/English). Fluent documenting.

Values

Additional Requirements

The information provided here is only a general guide as to the nature of the position and does not constitute an exact description of the goals, tasks, duties and responsibilities of the position. The specific details of each position are described in the employee’s performance evaluation.