JPMorgan Commercial Banking - Credit Officer 

India, Karnataka, Bengaluru 

912730484

About Commercial Bank Risk India: The Commercial Bank Risk India (CRI) is part of the Credit Risk function for Commercial Bank at J.P. Morgan. CRI works closely with the in-country Underwriters and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades. CRI covers Commercial Bank clients across North America.As a Credit Officer in the Commercial Banking Risk India team, you will be tasked with carrying out credit analysis of corporate clients as part of the Underwriting Center team in the Commercial Banking division – North America. Your duties will include independently preparing credit risk analysis reports on assigned clients, recommending rating grades based on your analysis, and conducting quality checks on the work delivery of junior analysts in the team. You will also be responsible for developing and maintaining open communication channels with Underwriters and managing all calls/rating discussions independently. This role offers an opportunity to enhance your knowledge of credit analysis for clients and effectively manage stakeholders.
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.
• Perform 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.
• Manage stakeholders by building strong relationships and maintaining open communication channels with Credit Officers and Credit Executive.

Required qualifications, capabilities, and skills:

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