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JPMorgan Wholesale Credit Risk Associate 
India, Karnataka, Bengaluru 
882232215

Yesterday

Job responsibilities :

  • Analyze or at times may work with more Senior Credit Officer, to evaluate the risk of adding a particular transaction to the bank's loan portfolio.
  • Identify additional information requirements needed to properly assess risks of the transaction.
  • Understand and assess the customer’s business model and its viability in the long run.
  • Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business.
  • Consider alternative credit structures to mitigate risk where appropriate.
  • Recommend action to be taken on credit, identifies key risks and information requirements.
  • Ensure that credit facilities presented are properly graded.
  • Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.
  • Work independently with limited direct supervision. Serves as a resource for less experienced Credit Officers.

Required qualifications, capabilities, and skills

  • Minimum 5 years’ experience as a credit underwriter or similar position requiring business knowledge and credit judgment.
  • Postgraduate or an advanced degree in business management, finance or accounting.
  • Ability to formulate and articulate objective views based on professional analysis.
  • Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.
  • Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
  • Good organization skills and ability to work within time constraints in a highly regulated industry.