Credit Risk Trainee Development Program 2026

Oriental’s Credit Risk Trainee Development Program is an 18-month accelerated experience designed for high-potential graduates seeking to strengthen their business, analytical, and leadership capabilities in a dynamic, digitally driven financial environment.

Through structured rotations across key Credit Risk functions, trainees will evaluate credit exposures, analyze financial information, and contribute to decisions that protect portfolio quality and drive financial performance. The program combines hands-on experience, mentorship, and enterprise-wide collaboration to prepare participants for long-term career growth within Oriental.

Participants will gain experience across multiple business areas, including Credit Administration, Corporate Banking, Auto, Finance & Accounting, Internal Audit, Legal, Marketing, and Risk & Compliance.

This is a hybrid position based in Oriental Center, San Juan, PR.

WHAT WILL YOU DO  

• Drive Credit Decisions Through Financial Analysis
  Perform financial spreading and support credit evaluations and memorandums, generating insights aligned with the Bank’s credit policies and risk standards.
• Protect Portfolio Quality
  Support ongoing credit reviews, monitor covenant compliance, and track loan maturities to ensure timely risk mitigation actions.
• Strengthen Risk Assessment with Data Insights
  Analyze borrower information and financial trends to identify early warning signals and support informed decision-making.
• Collaborate Across the Organization
  Partner with cross-functional teams, gaining insight into how different business areas operate and contribute to overall performance.
• Expand Business Perspective
  Rotate across key units to develop a comprehensive understanding of banking operations and industry dynamics.
• Advance Your Professional Growth
  Participate in mentorship, coaching, and structured learning experiences to strengthen leadership, communication, and execution skills.

SKILLS

• Analytical and Data-Driven Thinking: Ability to interpret data, identify patterns, and generate insights that support decision-making.
• Attention to Detail and Decision Making: Ability to review information critically and make well-supported recommendations.
• Execution and Accountability: Ability to manage responsibilities, deliver results, and maintain attention to quality and deadlines.
• Problem-Solving: Structured approach to identifying issues, evaluating alternatives, and recommending practical solutions.
• Collaboration and Communication: Ability to work across teams and communicate effectively in both English and Spanish, verbally and in writing.
• Digital and Technical Fluency: Comfort working with digital tools, systems, and data in a technology-driven environment.
• Learning Agility & Adaptability: Demonstrates curiosity, openness to feedback, and the ability to quickly learn and adjust in a fast-paced environment.

WHO SHOULD APPLY

• Recent Graduates: Candidates who have completed a Bachelor’s or Master’s degree within the last 24 months are preferred.
• Fields of Study: Degrees in Finance, Accounting, Economics, Business Administration, or related disciplines.
• Experience Level: Prior internship or project experience is a plus; strong analytical, leadership, and problem-solving capabilities are expected.
• Work Schedule & Location: This position operates in a hybrid environment based in San Juan, Puerto Rico.
• Work Authorization: Legally authorized to work in the US required. This position is of indefinite duration and requires candidates to have permanent work authorization.

WHAT WE OFFER

• Broad Business Exposure: Experience across multiple business functions and enterprise initiatives, providing a strong foundation in banking.
• Meaningful Impact: Contribute to initiatives that support Oriental’s mission to help clients, employees, investors, and communities progress.
• Real Ownership: Work on high-impact projects and contribute to measurable business outcomes early in your career
• Learning & Growth: Access a structured development journey supported by mentorship, coaching, and curated learning experiences.
• Professional Network: Build strong relationships with leaders and teams across the organization.

WORK AUTHORIZATION & ELEGIBILITY:

• Legally authorized to work in the US is required. This position is of indefinite duration and requires candidates to have permanent or ongoing work authorization.
• Employee is responsible for maintaining eligible work authorization throughout his tenure with the organization.

Oriental is an Equal Opportunity Employer (EEO/Affirmative Action for Veterans/Workers with Disabilities)

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