Credit Risk

2 months ago

Bengaluru Karnataka, India JPMorgan Chase Full time

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

As a Credit Risk - Wholesale Credit (Chase Merchant Services) - Associate in Risk Management and Compliance team, you will be at the center of keeping JPMorgan Chase strong and resilient. You will be focused on identifying, measuring, limiting, managing, and monitoring credit risk across our businesses. Your role will involve conducting periodic reviews of our wholesale portfolio, analyzing financial statements, and managing risk through scheduled credit reviews. This is an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area.

**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.

JPMorganChase, 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 orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requ

  • Senior Credit Risk Manager

    2 weeks ago

    Bengaluru, Karnataka, India NeoGrowth Credit Pvt. Ltd. Full time

    Job Title: Senior Credit Risk ManagerThe successful candidate will lead the credit risk management function in NeoGrowth Credit Pvt. Ltd., responsible for assessing and approving credit to SMEs across India. This role offers excellent growth potential to a professional looking to join a nationwide organization and contribute to its expansion.Key...

  • Junior Credit Underwriter

    4 months ago

    Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...

  • Junior Credit Underwriter

    4 months ago

    Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...

  • Credit Underwriting Intern

    4 months ago

    Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...

  • Junior Credit Underwriter

    7 months ago

    Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...

  • Credit Underwriting Intern

    7 months ago

    Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, or a related...

  • Junior Credit Underwriter

    7 months ago

    Jeevanbheemanagar, Bengaluru, Karnataka, India Namaste Credit Full time

    **About us**: Namaste Credit is a fintech organization which makes the entire business loan process better and transparent with the help of technology. We provide an API-enabled loan automation and management solution for banks and lenders. **Position: Junior Credit Underwriter** **Skills**: 1. Bachelor's degree in Finance, Accounting, Economics, or a...

  • Credit Risk

    2 months ago

    Bengaluru, Karnataka, India JPMorganChase Full time

    **JOB DESCRIPTION** Job Description**: Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As a Credit Risk - Wholesale Credit (Chase Merchant Services) - Associate in Risk...

  • Avp Wholesale Risk

    7 months ago

    Bengaluru, India Credit Saison Full time

    About Credit Saison: A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate.Across our verticals, we offer bespoke solutions to meet the various - credit needs of Individuals, SMEs,...

  • Commercial Banking Risk

    2 months ago

    Bengaluru, Karnataka, India JPMorgan Chase Full time

    Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As a Commercial Banking Risk - Credit Risk Associate within the Commercials Banking Risk India team, you will be at the...

  • Commercial Banking Risk

    1 month ago

    Bengaluru, Karnataka, India JPMorganChase Full time

    **JOB DESCRIPTION** Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As a Commercial Banking Risk - Credit Risk Associate within the Commercials Banking Risk India team,...

  • Credit Risk

    2 months ago

    Bengaluru, Karnataka, India JPMorgan Chase Full time

    You are a strategic thinker passionate about driving solutions**.** You have found the right team. As an Analyst within our Credit Risk Team, you will spend each day defining, refining and delivering set goals for our firm. **Responsibilities**: - Prepare the analysis of a client prior to underwriting, including pulling client credit, generating a...

  • Credit Risk Associate

    2 weeks ago

    Bengaluru, Karnataka, India JPMorganChase Full time

    **JOB DESCRIPTION** As a Credit Risk Associate, you will will primarily support the JPMorgan Wealth Management Domestic credit business. You will work directly with Lending Specialists, Analysts, Underwriters and Credit Officers throughout the credit approval process. **Job responsibilities**: - Partner with Underwriters and Lending Specialists to capture...

  • Credit Risk Associate

    7 months ago

    Bengaluru, Karnataka, India JPMorgan Chase & Co Full time

    **JOB DESCRIPTION** As a Credit Risk Associate, you will will primarily support the JPMorgan Wealth Management Domestic credit business. You will work directly with Lending Specialists, Analysts, Underwriters and Credit Officers throughout the credit approval process. **Job responsibilities**: - Partner with Underwriters and Lending Specialists to capture...

  • Wholesale Credit Risk Associate

    1 month ago

    Bengaluru, Karnataka, India JPMorganChase Full time

    **JOB DESCRIPTION** Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As wholesale credit risk associate in CCB risk business banking team, you will be at the center of...

  • Credit Risk

    2 months ago

    Bengaluru, Karnataka, India JPMorganChase Full time

    **JOB DESCRIPTION** You are a strategic thinker passionate about driving solutions**.** You have found the right team. As an Analyst within our Credit Risk Team, you will spend each day defining, refining and delivering set goals for our firm. **Responsibilities**: - Prepare the analysis of a client prior to underwriting, including pulling client credit,...

  • Credit Risk

    7 months ago

    Varthur, Bengaluru, Karnataka, India JPMorgan Chase & Co Full time

    **JOB DESCRIPTION** As a Credit Risk Associate, you help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers, and communities. You will be conducting Credit Analysis of GHHN (Public finance) clients in the Middle Markets team...

  • Credit Saison

    4 weeks ago

    Bengaluru, India Credit Saison Finance Pvt Ltd Full time

    Vice President - Wholesale Risk - Emerging CorporateAbout Credit Saison India:Established in 2019, CS India is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled...

  • Commercial Banking Risk

    7 months ago

    Varthur, Bengaluru, Karnataka, India JPMorgan Chase & Co Full time

    **JOB DESCRIPTION** Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As a Commercial Banking Risk - Credit Risk Associate within the Commercials Banking Risk India team,...

  • Credit Risk

    7 months ago

    Varthur, Bengaluru, Karnataka, India JPMorgan Chase & Co Full time

    **JOB DESCRIPTION** Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As a Credit Risk - Wholesale credit(Chase merchant services) - Associate within the Risk Management and...