JPMorgan Chase·BFSI·4 days ago
4 days ago
Associate - Credit Risk
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What you'll do
- Support portfolio Managers – Extensive and in-depth portfolio monitoring; Prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.
- Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc.
- Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
- Develop sound knowledge of Commercial Real Estate and Affordable Housing sectors in North America; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers.
- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers, Bankers, etc.
- Contribute to various firm-wide projects focused on improving efficiencies, streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc.
- Ad-hoc projects as necessary.
What they're looking for
- MBAs (with Finance specialization) / CA
- 0-3 years of experience in credit risk; experience in real estate sector is preferred
- Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles
- Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation
- Attitude and aptitude to learn and enhance knowledge of credit risk analysis, and passion for real estate sector
- Deadline orientation; strong attention to detail and high accuracy
- Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn AI tools, techniques and applications
- Ability to work proactively & independently, as well as in a team environment
- Strong & Effective communication skills – both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders
Nice to have
- experience in real estate sector is preferred
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
Responsibilities:
- Support portfolio Managers – Extensive and in-depth portfolio monitoring; Prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.
- Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc.
- Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
- Develop sound knowledge of Commercial Real Estate and Affordable Housing sectors in North America; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers.
- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers, Bankers, etc.
- Contribute to various firm-wide projects focused on improving efficiencies, streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc.
- Ad-hoc projects as necessary.
Qualifications: MBAs (with Finance specialization) / CA
- 0-3 years of experience in credit risk; experience in real estate sector is preferred
- Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles
- Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation
- Attitude and aptitude to learn and enhance knowledge of credit risk analysis, and passion for real estate sector
- Deadline orientation; strong attention to detail and high accuracy
- Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn AI tools, techniques and applications
- Ability to work proactively & independently, as well as in a team environment
- Strong & Effective communication skills – both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders
Location: Bengaluru
Work timing: Starts at 1:00 p.m. IST to provide overlap with the US counterparts
BFSI
Company
JPMorgan ChaseBFSI
Bengaluru, India
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