Credit Risk Associate

Associate - Credit Risk Responsibilities: Support portfolio Managers – Extensive and in-depth portfolio monitoring; Prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures. Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc. Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed. Develop sound knowledge of Commercial Real Estate and Affordable Housing sectors in North America ; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers. Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers, Bankers, etc. Contribute to various firm-wide projects focused on improving efficiencies, streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc. Ad-hoc projects as necessary. Qualifications: MBAs (with Finance specialization) / CA 0-3 years of experience in credit risk; experience in real estate sector is preferred Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation Attitude and aptitude to learn and enhance knowledge of credit risk analysis, and passion for real estate sector Deadline orientation; strong attention to detail and high accuracy Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn AI tools, techniques and applications Ability to work proactively & independently, as well as in a team environment Strong & Effective communication skills – both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders Location : Bengaluru Work timing : Starts at 1:00 p.m. IST to provide overlap with the US counterparts 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 Mid Level