Credit Risk Associate

14 hours ago

Mumbai, Maharashtra, India JPMorganChase Full time ₹ 12,00,000 - ₹ 36,00,000 per year
Description

Are you ready to make an impact in the world of credit risk? Join our dynamic EMEA FIG Developed Markets Credit Risk team, where you'll collaborate with business partners across Global Corporate Banking, Sales and Trading, and Investment Banking. This role offers a unique opportunity to work with both Investment Grade and Non-Investment Grade clients, supporting, analysing and leading diverse credit relationships. Be part of a team that values innovation, collaboration, and excellence.

As a Credit Risk Associate in the Wholesale Credit Risk (WCR) EMEA FIG Developed Markets credit team, you will be responsible for diligence, risk grading, structuring, and ongoing monitoring of a diverse and complex portfolio of Banks and Insurances. You will manage extensive derivatives, securities financing and lending relationships. You will serve as the Credit Officer and primary contact of an actively managed portfolio, while also mentoring junior team members.

Job responsibilities

  • Serve as the credit expert for a portfolio of banking and insurance clients in the France and Benelux regions.
  • Grading and reviewing credit exposures, tracking financial performance and events impacting the assigned portfolio.
  • Lead credit due diligence for onboarding new clients and reviewing existing ones.
  • Take a proactive approach in addressing portfolio reviews and deep-dive analyses with internal stakeholders across J.P Morgan departments (e.g. IB, DCM, GCB, Legal)
  • Produce concise and insightful credit memos, proposing and articulating recommendations for credit actions.
  • Perform analysis and obtain approval for structured derivatives transactions and lending requests.
  • Develop knowledge of legal documentation for markets and banking products, taking a proactive approach in supporting the team VP and/or leading negotiations.
  • Proactively participate in team and department-level projects to improve processes and drive efficiencies.
  • Review the work of credit analysts and mentoring junior colleagues, while still delivering added value as individual contributor. 

Required qualifications, capabilities and skills

· Strong credit skills and judgment, with a hands-on approach to analysing credit.

· Strong communication and interpersonal skills, establishing credibility and trust with credit executives, clients, and product specialists.

· Strong analytical and numerical skills.

· Knowledge of transaction structures, documentation, and banking products to assist with the execution of Lending and Markets' deals.

· High level of energy and ability to prioritise multiple deliverables under time pressure.

· Relevant experience in a similar position/function in a comparable environment.

Preferred Qualifications, Capabilities, and Skills:

· At least 3 years of experience in financial services (credit risk or similar)

· Familiarity with the business models of financial institutions, such as banks and insurances.

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