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JPMorgan Risk Management - DCS Credit Officer Associate 
United States, Ohio 
20523284

07.09.2024

Job Responsibilities:

  • Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval
  • Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis
  • Completing obligor and facility risk ratings with documented rationale for the final risk grades
  • Proactive ownership of portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics
  • Interacting with clients, virtually or in person, in conjunction with the Banker
  • Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.
  • Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems

Required qualifications, capabilities and skills:

  • Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration
  • 1-3 years commercial underwriting / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market
  • Hands-on experience underwriting commercial loans to franchised auto dealerships, or equivalent, including floor plan lending.
  • Superior analytical skills supported by excellent written and verbal communication skills
  • Demonstrated judgment and ability to act decisively
  • Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues