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Date: Aug 14, 2025

Location:

San Juan, PR

Company: Popular

Workplace Type: On-site

Commercial Relationship Officer

Job Type

Full Time Opportunity

General Description

The Commercial Relationship Officer attracts, establishes, maintains, and develops the overall relationship with the commercial credit customers of the Commercial Banking Center (Middle Market), by attending their banking needs, the sales of financing products and expanding overall relationship with both existing clients and prospects.

Essential Duties and Responsibilities

Responsible for providing services to commercial loans clients under the guidelines of the Bank’s loan policies and procedures including but not limited to:

+ Managing and developing profitable relationships with assigned clients. Primary contact for their financial and banking needs including commercial credit and deposit products for Commercial Banking Center clients.

+ Maintain active communication with clients and consistently provides remarkable customer service.

+ Identifying and developing new credit opportunities with current clients and new prospects.

+ Collecting and analyzing necessary financial and related data with the support of Credit Analyst to determine general creditworthiness. Effective providing guidance to Credit Analysts in identifying, understanding, and explaining fluctuations and trends.

+ Analyzing and structuring credit facilities that meet the client’s needs and the Bank’s lending guidelines. Notifying and guiding the prospective borrower about feasible financing structures, collaborate with Credit Analysts and the Commercial Credit Officer to evaluate the request, recommend approval or declination of loans within established Bank policies and informing prospective borrower of decision.

+ Managing a commercial loan portfolio for adherence to loan terms and conditions including but not limited to customer and site visits, the timely receipt of required financial information, covenant compliance, regulatory compliance, timeliness of renewals, risk rating assessments, refinancings, restructures, amendments, waivers, and annual reviews.

+ Maintaining knowledge of business, financials, commercial products/ services, the market, and account needs.

+ Collaborate with team members to identify client’s needs and address opportunities to expand the relationship with the institution while promoting the cross-selling of other Bank products and services.

+ Respond to customer requests or inquiries and resolve them promptly. Refer queries to the corresponding units and ensure continuous communication with the clients and/or the personnel involved.

Education

Bachelor's Degree in Finance, Accounting or Business Administration

Experience

Five years of experience in commercial lending.

Other Qualifications

+ Written and verbal communication skills; in both Spanish and English (intermediate level).

+ Team-worker, ability to delegate and give directions to others.

+ Client and relationship management, analysis of financial statements and commercial credit knowledge.

+ Proficiency in the use of Word, Power Point, Excel, Teams and other Office 365 tools.(lo bajaron de posicion)

+ Ability to analyze, identify customer needs and collaborate with team members to successfully close opportunities.

+ Knowledge of commercial lending solutions and how to create holistic proposals to serve customer needs.

+ Knowledge of corporate policies and guidelines, banking laws and regulations.

+ Excellent organizational skills to set priorities, positive attitude when working under pressure and while handling multiple tasks simultaneously. Meet deadlines.

+ Analytical ability to understand processes and situations, evaluate options and make timely decisions.

Region Locations

San Juan Region

Work Schedule

Monday to Friday

Hybrid work schedule.

Availability to work extended hours and weekends.

Values

1. Passion for People

3. Succeed Together

2. Own Every Moment

4. Build the Future