Credit Risk

6 months ago

Bengaluru, India JPMorgan Chase & Co Full time

**JOB DESCRIPTION**
The Credit Risk function identifies, measures, limits, manages, and monitors credit risk across our businesses. Our practices are designed to preserve the independence and integrity of decision making.

The Chase Merchant Services team is focused on credit risk generated through the transactions we process for our merchant clients. Credit exposure is most realized when the merchant suffers a business failure resulting in liquidation. Risk is managed through financial statement analysis and scheduled credit reviews. Area of focus is conducting periodic review of wholesale portfolio defined by a certain threshold of exposure.

The purpose of this position is to facilitate periodic credit review of corporate clients and protect the bank from loss while maintaining credit risk within acceptable levels of our framework.

**Key Responsibilities**:

- Utilizing commercial credit skills to prepare written financial analysis, Risk Grading, and credit reviews of corporate clients
- Independently 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
- Considers 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.

**Qualifications**
- 6 - 8 plus 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.

**Skills / Aptitude**
- 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.
- Volunteer for various activities within the team as well as wider organization.
- Respond timely to questions asked, information sought; feedback on cases.
- Proactive approach, a sense of urgency where appropriate.

**JPMC ‘How We do Business’ Principles**
- Integrity
- Accountability
- Collaborative
- Respect
- Community Awareness

**ABOUT US**

JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orienta

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