Commercial Banking

**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 Corporate clients in the Middle Markets team in Commercial Banking division. We are located in Bangalore and work with North America based Clients and Underwriters. Our work culture is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. If you possess relevant work experience and are passionate about risk management, building stakeholder relationships and taking charge of your career development, you may be the perfect fit for our team.

Work timings: Starts at 1 p.m. IST to provide coverage to US team members

**Job responsibilities**
- Independently prepare credit analysis on assigned clients - covering macro-overview, industry/sector, business, financials - and recommend changes to credit ratings and amendments to facilities
- Complete annual reviews for assigned portfolio and work on prospect coverage, new client onboarding, new product onboarding, renewals and modifications of existing facilities
- Assist in negotiating and finalizing documentation (credit agreements and amendments)
- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Underwriters, Bankers, Middle Office, etc.
- Support due diligence on capital market transactions for clients
- Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis
- Ensure governance, reporting and data quality requirements are met and maintained for client and client families

**Required qualifications, capabilities, and skills**
- Graduate degree
- 3-5 years’ experience in credit risk analysis
- Ability to work independently as well as in a team environment
- Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders
- In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards
- Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies. Proficient in the use of MS Word, Excel and PowerPoint

**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 orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.

**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.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.