Commercial Banking Risk - Credit Risk Associate

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 Commercial Banking Risk - Credit Risk Associate within the Commercials Banking Risk India team, you will be at the center of keeping JPMorgan Chase strong and resilient. You will work closely with the in-country Underwriters and Credit Executives, providing them with in-depth credit risk analysis of clients and recommendations on risk grades. This role offers an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area.

Job responsibilities

• Independently prepare 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.  
• Manage 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. 
• Build strong stakeholder relationships and maintain open communication channels with Credit Officers and Credit Executives

Required qualifications, capabilities, and skills

• Minimum 4 years of experience in credit risk 
• Qualifications in MBA (with Finance specialization) / CA
• Excellent academic record; experience in credit risk 
• Strong grasp of corporate finance concepts and their application 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 
• Strong interpersonal skills, ability to build positive relationships with Underwriters/ RMs

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. 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.