JPMorgan Credit Operations Analyst 

Philippines, Quezon City 

599504431

As a credit operations analyst within Commercial and Investment Banking, you will spend each day reviewing merchant applications, websites, personal credit bureaus, and merchant fraud prevention tools to evaluate the legitimacy of merchants and their financial ability to support calculated risk exposure to the Merchant Services business. You will be a decision maker in the onboarding process and will determine if Merchant Services will be able to conduct business with the merchant.

Job Responsibilities:

• Analyze new and existing merchant companies, considering financial viability vs. exposure.
• Calculate the notional risk associated with each applicant's business model and method of accepting payment instruments consistent with established procedures.
• Conduct information gathering calls with internal & external parties to obtain an overall understanding of the financial profile and to become familiar with processing characteristics, business models and company structure.
• Review business model and processing characteristics for existing merchants to ensure and report on compliance with Payment Brand rules and regulations.

Required Qualifications, Capabilities and Skills:

• Ability to work in a fast paced, high production environment performing multiple tasks.
• Proficient in reading credit reports (Experian/Equifax).
• Accuracy with attention to detail
• Analytical/problem solving skills
• Strong decision making skills
• Excellent written and verbal communication skills

Preferred Qualifications, Capabilities and Skills:

• Proficient in reading credit reports (Experian/Equifax).
• 2 years of credit experience.
• 2 years of experience in a related analytical role.
• Experience in a credit analysis or underwriting environment.