JPMorgan Credit Risk - Wholesale credit Chase merchant services Associate 

India, Karnataka, Bengaluru 

111271975

As a Credit Risk - Wholesale credit(Chase merchant services) - Associate within the Chase Merchant Services team, you will be focused on identifying, measuring, limiting, managing, and monitoring credit risk across our businesses. You will be conducting periodic credit reviews of corporate clients to protect the bank from loss and maintain credit risk within acceptable levels of our framework.

Job Responsibilities:

• Utilizing commercial credit skills to prepare written financial analysis, Risk Grading, and credit reviews of corporate clients
• Independently analyze, or at times work with more senior Credit Officers, to evaluate the risk and complete a periodic credit review of clients within the portfolio
• Understand and assess the customer’s business model and its viability in the long run. Identify additional information requirements needed to properly assess risks of the transaction
• Review and analyze the financial strength and soundness of corporate clients to identify key risks to the continued credit worthiness of the business along with appropriate mitigating factors
• Considers alternatives to mitigate risk where appropriate. Recommend action to be taken in unfavorable scenarios.
• Ensure that credit facilities presented are properly graded. Meet defined production and quality scores. Timely submission with no High-Risk quality review findings.
• Meet assigned timelines and ensure process and policy requirements are met per the business and audit requirements.
• Stay on top of policies, conventions and follow those diligently.
• Review completed cases for feedback; act on feedback provided and timely submissions of reworks.
• Establish strong partnerships with internal clients. Demonstrate client centric behavior i.e., be aware of client's expectations, challenges while securing the firm's interest.
• Exercise appropriate diligence with client information. Complete adhoc work assigned within expected timelines.

Required Qualifications

• 6+ years’ experience as a credit officer, underwriter or similar position with thorough knowledge of accounting and financial statement analysis requiring credit judgment and knowledge of various business models
• Post graduate or an advanced degree in business management, finance or accounting and Strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills. Ability to formulate and articulate objective views based on professional analysis
• Thorough knowledge of credit philosophy, loan documentation, bankruptcy and related legal issues.
• Proficiency in Microsoft Office Suite, especially Excel, Word and PowerPoint.
• Good organization skills and ability to work within time constraints in a highly regulated environment.
• Work effectively in a team environment, while assuming individual responsibility.
• Highly motivated individual with a natural passion to learn and an inquisitive personality.
• Strong sense of accountability and ownership of tasks. Interest in client interaction with strong verbal and written communication skills.
• Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time and Capable of understanding, describing, and debating complex concepts.
• Strong attention to detail and an excellent work ethic and Proactive approach, a sense of urgency where appropriate.