JPMorgan Commercial Banking Risk - Credit Associate 

India, Karnataka, Bengaluru 

635730755

Job 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.
• Manage 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.
• Build strong stakeholder relationships and maintain open communication channels with Credit Officers and Credit Executives

Required qualifications, capabilities, and skills

• Minimum 4 years of experience in credit risk
• Qualifications in MBA (with Finance specialization) / CA
• Excellent academic record; experience in credit risk
• 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
• Strong interpersonal skills, ability to build positive relationships with Underwriters/ RMs