Credit Risk

**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 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.

**ABOUT US**

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 physica