The Advisor, Retail Banking (PR North-West Region) is responsible for building rapport with existing and potential commercial customers (PYMES). Accountable for business development and relationship management in the assigned territory. Drive sales and new business strategies while providing an exceptional customer service and support. Promotes the service culture and coordinates cross-selling of products and services in accordance with corporate objectives. Position will be working hybrid based in Manati, PR. MAIN DUTIES & RESPONSIBILITIES: + Analyze portfolio for customers and maintain optimal customer relationships for new business acquisition. + Advise commercial customer on optimal product and service options to that fulfill their needs. (deposits, transactional services (cash management/POS), credit, etc.) + Assessing commercial client’s overall financial position, understand their needs and develop, recommend, and execute plans for business development. + Implement effective strategies to support the acquisition of profitable customers and identifying their financial needs to advise and offer commercial lending products + Cultivate client base and build win-win relationships + Ensures service needs of the commercial customers are met by handling requests directly and/or by referring to the appropriate channel to best meet the customer’s needs. + Analyze, evaluate, and mitigate credit risk by applying knowledge of credit fundamentals and credit policies + Analyzes and prepares loan requests for small commercial loans in compliance with the Bank’s Commercial Credit Policy. + Optimize chances for cross-selling by building partnerships across the bank to implement revenue generating opportunities while exceeding customer expectations and optimize sales of all products. + Other duties as assigned. MINIMUM REQUIREMENTS: + Bachelor’s degree required. Majors in Business Administration, Marketing, Accounting/ Finance, majors preferred. + Five (5) years of commercial credit, sales and portfolio management experience required. Banking experience required. + Minimum education and experience required can be substituted with the equivalent combination of education, training and experience that provides the required knowledge skills and abilities. + Thorough understanding and knowledge of commercial banking products, due diligence and closing process requirements, policies and compliance standards required. + Analytical, problem solving, accuracy, attention to detail and the ability to translate and convey complex information to customers is required. + Must be able to work several important projects simultaneously observing the defined quality standards. + Technology and computer systems proficiency including MS Office required. + Good communication skills both in English and Spanish required. #Li-Hybrid Oriental is an Equal Opportunity Employer ( EEO Employer / Affirmative Action for Females / Disabled / Veterans ) Recruitment Privacy Statement (https://orientalbank.com/assets/pdfs/recruitment\_privacy\_policy\_statement.pdf) Compliance Posters This may be the opportunity to change your life and take your career to the next level. Oriental is a great place to work, grow and develop. Each employee is key in the company's success. Our team consists of an excellent group of people and we believe you could be one of them. We offer you the opportunity to work and be part of an organization that is dedicated to progress. We offer diverse employment opportunities that go from internships to executive positions. We recognize that our employees are the most important asset of our company, which is why we foster an environment of collaboration, based on trust and mutual respect. Our selection process promotes equal employment opportunity and does not discriminate on grounds of sex, color, age, social status, religious beliefs, veteran status or disability. Included is reference material including our recruitment privacy policy and any relevant labor laws we abide to: Compliance_Posters / Labor Laws (https://orientalbank.com/assets/pdfs/compliance\_posters.pdf) Recruitment Privacy Policy Statement Esta puede ser la oportunidad que cambie tu vida y lleve tu carrera profesional a otro nivel. Oriental es un gran lugar para trabajar, crecer y desarrollarse. Cada empleado es nuestro factor clave en el éxito de la compañía. La mejor gente del mundo trabaja aquí y creemos que podrías ser uno de ellos. Oriental te ofrece la oportunidad de trabajar y ser parte de una organización que se dedica al progreso. En Oriental ofrecemos diversas oportunidades de empleo, que van desde internados hasta puestos directivos. Reconocemos que nuestros empleados son el activo más importante de nuestra compañía, es por esto que fomentamos un ambiente de colaboración, basado en la confianza, el respeto mutuo, al valorar las diferencias de cada empleado. Nuestro proceso de selección es uno que promueve la igualdad de oportunidades en el empleo y no discrimina por razón de sexo, color, edad, condición social, creencias religiosas, condición de veterano o incapacidad. A continuación material de referencia incluyendo nuestra política de privacidad y leyes laborales aplicables: Afiches de Cumplimiento/ Leyes Laborales (https://orientalbank.com/assets/pdfs/compliance\_posters.pdf) Política de Privacidad de Reclutamiento