Banking Associate Jobs in Puerto Rico (NOW HIRING)

DECA Analytics, LLC is a Puerto Rico-based boutique advisory firm specializing in the unique business environment of Puerto Rico. Our mission is to provide unparalleled financial and operational guidance tailor-designed to navigate the complexities of doing business in Puerto Rico. Our process is centered on utilizing a holistic approach that combines quantitative analytics and our qualitative experience and key resources to streamline processes and maximize available monetary incentives.

Our approach is comprised of four core components:

1. Foundational Level: We implement the entire process of setting up a new operation or subsidiary within Puerto Rico, from entity formation to submitting all required filings and obtaining operating permits and licenses.

2. Government Incentives: We structure, negotiate, and secure Puerto Rico-specific Act 60 tax decrees and other government grant initiatives on behalf of our clients to ensure the maximum incentives are received.

3. Ongoing Compliance: We manage all ongoing incentives and operational compliance filings required for operating within Puerto Rico by the various governmental agencies.

4. Access to Capital: We provide access to affordable capital in the form of non-securities transactions encompassing Puerto Rico R&D or Hospitality Tax Credits, local and federal grants, and private or government-backed debt programs.

About the Role:

We are seeking a highly motivated and detail-oriented Junior Financial Associate to join our Capital Markets team. This is an ideal opportunity for recent graduates or early-career professionals interested in developing a strong foundation in financial analysis and transaction advisory.

You will work under the guidance of senior analysts and associates, supporting market research, financial modeling, and reporting. As part of a collaborative team, you’ll be exposed to real-world capital structuring and incentive finance projects while developing technical and analytical skills necessary for long-term career growth.

• Support the preparation of financial statements, reports, and dashboards.
• Conduct preliminary financial and market research to assist in the evaluation of client opportunities.
• Contribute to the development and maintenance of financial models and templates.
• Assist in gathering data for budgeting, forecasting, and investor presentations.
• Ensure that all work adheres to internal compliance standards and documentation protocols.
• Collaborate with cross-functional teams on due diligence, audits, and client deliverables.
• Continuously learn financial tools, methods, and regulations relevant to Puerto Rico’s capital environment.

Minimum Qualifications

1. Bachelor’s degree (completed or near completion) in Finance, Accounting, Economics, or a related field.
2. Familiarity with basic financial concepts (e.g., income statements, cash flow, valuation).
3. Strong Microsoft Excel skills (including formulas, formatting, and basic modeling).
4. Effective communication and organizational skills.
5. Enthusiastic about learning financial analysis and advisory practices.

Preferred Qualifications

1. Relevant internship or co-op experience in financial services, accounting, or consulting.
2. Exposure to investment banking, corporate finance, or transaction advisory concepts.
3. Experience with tools such as PowerPoint, QuickBooks, or financial CRMs.

Ideal Candidate Skills and Experience:

1. Learning Agility: Eager to develop technical skills through mentorship and training.
2. Team Orientation: Works collaboratively, asks questions, and values peer feedback.
3. Problem Solver: Takes initiative to research, organize, and present information clearly.
4. Curiosity: Shows interest in capital markets, economic incentives, and policy impacts.
5. Attention to Detail and Accuracy: Strong attention to detail in financial analysis, ensuring that all data used in financial models is accurate, complete, and relevant. The ability to spot inconsistencies and potential issues is vital.
6. Financial Statement Analysis: Expertise in analyzing financial statements (balance sheets, income statements, and cash flow statements) to assess company performance, financial health, and key metrics. This includes conducting ratio analysis, trend analysis, and benchmarking against industry peers.
7. Financial Modeling: Ability to create financial models that support forecasting, valuation, budgeting, and decision-making. This includes proficiency in Excel and other financial modeling tools, as well as the capability to build models from scratch for different business scenarios.
8. Industry Research and Market Analysis: Familiarity conducting comprehensive industry and market research, including understanding market dynamics, competition, and economic factors. The ability to synthesize research findings into actionable insights for business strategy and investment decisions is critical.
9. Valuation and Investment Analysis: Understanding of various valuation methods, such as discounted cash flow (DCF), precedent transactions, and comparable company analysis. Experience with evaluating investment opportunities, assessing risk, and providing strategic recommendations.
10. Strategic Thinking and Problem-Solving: Ability to think critically and solve financial problems, often under tight deadlines. A strategic mindset is essential for developing financial models and conducting research that drives business decision-making.

Relocation Opportunities:

We welcome candidates seeking to relocate to Puerto Rico from the U.S. mainland.

Responsibilities:

1. Assist in the preparation and analysis of financial reports, including income statements, balance sheets, and cash flow statements.

   Support the budgeting process by gathering data, analyzing trends, and providing recommendations for cost management

2. Conduct financial statement analysis, including ratio analysis, trend analysis, and benchmarking against industry peers.

3. Perform market research and analyze the company’s financials to assess investment opportunities and provide strategic recommendations.

4. Build complex financial models that support forecasting, valuation, budgeting, and strategic decision-making.

5. Ensure compliance with financial regulations and internal policies through regular audits and reviews.

6. Collaborate with cross-functional teams to provide financial insights that support business decisions and strategic initiatives.

7. Maintain accurate financial records and documentation to facilitate transparency and accountability.

If you are passionate about finance, have a focus on corporate finance or transaction advisory, and want to contribute to the success of our organization, we invite you to apply for the Financial Associate position. Together, we can achieve financial excellence and drive strategic growth.

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DECA Analytics, LLC provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.