JPMorgan Risk Management - DCS Credit Officer Associate 

United States, Ohio 

20523284

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