JPMorgan Commercial Banking Risk - Credit Associate 

India, Karnataka, Bengaluru 

89165090

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.

Associate for conducting Credit Analysis of Corporate clients in Underwriting Center team in Commercial Banking division – North America

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 $5mm). 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

• 4-5 years of experience in credit risk
• Excellent academic record; experience in credit risk
• Strong interpersonal skills, ability to build positive relationships with Underwriters/ RMs
• 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