Commercial Relationship Officer

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Date: Nov 15, 2023

Location: St. Thomas, VI

Company: Popular

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!

Job Type

General Description

Maintains the overall relationship with the commercial customer to ensure business growth through orientation of credit and non credit products and services. Examines, evaluates, and authorizes or recommends approval of customer applications for commercial loans by performing the following duties.

Essential Duties and Responsibilities

Promotes and cross-sells credit and non credit products and services as appropriate to customer requirements. Periodically evaluates customer’s relationships to ensure increase in product and service relations and portfolio.  Interviews applicant and requests specified information for loan application.  Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.  Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application for credit analysis and decision. Corresponds with or interviews applicant or creditors to resolve questions regarding application information.  Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. Ensures loan agreements are complete and accurate according to policy.  Assures timely loan closing and funding activities.  Identifies and analyzes potential loan markets to develop prospects for commercial loans. Periodically evaluates and monitors loans, reserve lines and lines of credit for the purpose of renovation, cancellation or restructuring of payment plans.  Performs collection functions of past due loans, overdrafts and lines of credit.  Prepares monthly reports such as of exceptions of past due loans of more than 15 days, FASB 114, Stress Tests forms for the federal agencies.  Ensures compliance with BSA and Know Your Customer policies: visits the customer when a new account is opened, frequently visits customers, revises and answers monthly reports.


Supervisory Responsibilities:

This job has no supervisory responsibilities but in special circumstances may lead the work of others.


Bachelor's Degree in Accounting or Finance


Two years of experience in sales and analysis of financial statements.

Work Schedule


Analytical Discipline
Collaboration & Teamwork
Change Agent
Customer Centric
Self Development
Business Excellence

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.

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


If you have a disability and need assistance with the application process, please contact us at This email inbox is monitored for such types of requests only. All information you provide will be kept confidential and will be used only to the extent required to provide reasonable accommodations. Any other correspondence will not receive a response.


As Puerto Rico’s leading financial institution, 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.


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Popular is an Equal Opportunity Employer

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