Credit Analyst / Relationship Associate
Location: San Juan, Puerto Rico
Position Type: Full-time | Onsite

Job Description
• Performs detailed financial and credit analysis in support of bankers and credit officers, ensuring complete and well-structured credit packages.
• Analyzes client financial information and prepares complete credit files for internal review and further evaluation.
• Acts as a key point of coordination between clients, bankers, and the credit team to ensure timely, accurate, and compliant credit processing.

Key Responsibilities
• Analyzes client financial statements, bank statements, and supporting documentation to support the credit review process.
• Reviews account activity and bank statements to identify trends, risk indicators, and cash flow behavior.
• Prepares credit spreads and financial summaries for internal review.
• Ensures credit packages are complete, accurate, and properly documented prior to internal review.
• Maintains ongoing communication with clients to request, clarify, and follow up on financial and credit documentation.
• Tracks the status of credit requests and coordinates information between bankers and the credit team.

Job Requirements
• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• Previous experience in credit analysis, financial analysis, banking, or a related financial services role.
• Strong ability to analyze financial statements, cash flow, and bank account activity..
• Solid understanding of credit processes and financial documentation requirements.
• Strong analytical, organizational, and attention-to-detail skills.
• Proficiency in Excel and financial analysis tools; experience with banking or credit systems is preferred.
• High level of professionalism, confidentiality, and compliance awareness.

Equal Opportunity Employer / Disabled / Protected Veterans

The Know Your Rights poster is available here:
https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf

The pay transparency policy is available here:
https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf

For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

AppleOne participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program.
https://e-verify.uscis.gov/web/media/resourcesContents/E-Verify_Participation_Poster_ES.pdf

We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.