As a Credit Risk Associate, you help the firm manage the risk in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting credit analysis of Corporate clients including portfolio management in the Middle Markets team in Commercial Banking division. We are in Bangalore and work with North America based Clients. Our work culture is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. If you are passionate about risk management, building stakeholder relationships and taking charge of your career development, you may be the perfect fit for our team.

Work timings: Starts at 1 p.m. IST to provide overlap with US team members.

Job responsibilities

• Independently manage own client portfolio - prepare credit analysis on assigned clients - covering macro-overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and amendments to facilities. Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence, etc.
• Assist in negotiating of the credit terms along with senior credit officers and take lead in finalizing documentation (credit agreements and amendments)
• Support due diligence on capital market transactions for clients.
• Work closely with Approvers/ Senior Credit Officers in North America on new to bank client activities such as evaluating prospects, onboarding new clients and new facilities, actively provide recommendations on deal structuring.
• Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc.
• Engage junior team members in deals for support and review their work.
• Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis.
• Ensure governance, reporting and data quality requirements are met and maintained for client and client families.
• Actively support ED/VPs in driving projects at LoB level - trainings, internship, recruitment, etc.

Required qualifications, capabilities, and skills

• 4-7 years of experience in credit risk analysis with 2 years of experience in managing clients, preferably in Technology and Disruptive commerce industry
• Post graduate degree
• Ability to work independently as well as in a team environment
• Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders
• In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards
• Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy
• Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies
• Proficient in the use of MS Word, Excel and PowerPoint

Preferred qualifications, capabilities, and skills

• None

ABOUT US

JPMorgan Chase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.