Commercial Banking

**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 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.

**Job** r**esponsibilities**:

- Prepare independently 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
- 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

**ABOUT US**

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

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 requesting an accommodation.

**ABOUT THE TEAM**

Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.