Credit Risk Associate - Commercial Banking

CIB Risk Associate About CB Risk India: The CB Risk India (CRI) is part of the Credit Risk function for Commercial Bank (CB) at J.P. Morgan. CRI works closely with the in-country Underwriters and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades. CRI covers CB clients across the - North America. Role: Associate for conducting Credit Analysis of Corporate clients in Credit Risk Center team in Commercial Banking division – North America Location: Bangalore Responsibilities: Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues) – for middle market clients (clients with exposure less than $10mm). Recommend rating grades based on analysis for the clients. Quality check work delivery for junior analysts in the team. Understand various techniques and methods of credit analysis, accounting treatments, financial adjustments, firm’s credit related policies, etc. Develop and maintain open communication channels with Underwriters. Independently handle all calls/rating discussions with Underwriters and Credit Executives. Build strong knowledge of credit analysis for clients. Stakeholder management – Build strong relationships and maintain open communication channels with Credit Officers and Credit Executives Qualifications: MBAs (with Finance specialization) / CAs 4-7 years of experience in credit risk Excellent academic record; experience in credit risk Strong grasp of corporate finance concepts and their application Understanding of the financial statements, including ratio analysis, cash flow analysis, and basic accounting standards Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies Strong communication skills — both oral and written; ability to effectively present analysis and interact with global credit bankers Deadline orientation; close attention to detail and accuracy Proficient in the use of MS Word, Excel and Power Point Ability to work proactively & independently as well as in a team environment Strong interpersonal skills, ability to build positive relationships with Underwriters/ RM JPMorganChase, 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. Experience Level Senior Level