JPMorgan Credit Risk - Wholesale credit Associate 

India, Karnataka, Bengaluru 

754389004

Job responsibilities:

• Utilize commercial credit skills to prepare written financial analysis, Risk Grading, and credit reviews of corporate clients.
• 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.
• Consider 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, capabilities, and skills

• Minimum 5 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
• 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.

Preferred qualifications, capabilities, and skills

• 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.
• Capable of understanding, describing, and debating complex concepts.
• Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time.
• Strong attention to detail and an excellent work ethic.