Credit Officer

JPMorgan Chase & Co.; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

JPMorgan Chase & Co. in Bengaluru seeks an experienced Credit Officer to assess loan applications and protect asset quality within Risk Management and Compliance.

You will evaluate risk, gather information, and propose actions for credit facilities while ensuring timelines and policy adherence. The role requires 5-7+ years in credit underwriting, a postgraduate degree in finance or accounting, and strong analytical, written and interpersonal skills to mentor junior analysts and work within a

Qualifications

• 5-7+ years’ experience as a credit underwriter or similar position requiring business knowledge and credit judgment.
• Postgraduate or an advanced degree in business management, finance or accounting.
• Ability to formulate and articulate objective views based on professional analysis.
• Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.
• Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
• Good organization skills and ability to work within time constraints in a highly regulated industry.
• Works effectively in a team environment, while assuming individual responsibility and helping develop the junior level analysts.

Responsibilities

• Independently analyzes, or at times may work with more Senior Credit Officer, to evaluate the risk of adding a particular transaction to the bank's loan portfolio.
• Identify additional information requirements needed to properly assess risks of the transaction.
• Understand and assess the customer’s business model and its viability in the long run.
• Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business.
• Considers alternative credit structures to mitigate risk where appropriate.
• Recommend action to be taken on credit, identifies key risks and information requirements.
• Ensure that credit facilities presented are properly graded.
• Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.
• Usually works independently with limited direct supervision. Serves as a resource for less experienced Credit Officers.

Skills

Credit underwriting

Credit risk analysis

Analytical skills

Team collaboration

Communication skills

Education

Postgraduate degree in finance or accounting

Job description

• Business Unit Consumer & Community Banking
• Posting Date 06/22/2026, 06:34 AM
• Locations Ground to Fifth Floor G,H Block, EMBASSYTECH VILLAGE-PARCEL 5 OUTER RING RD DEVERABEESANAHALLI VILLA, Bengaluru, IN-KA, 560103, IN
• Job Schedule Full time

Job Description

As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. 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. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in‑class.

Credit Officer - The purpose of this position is to facilitate business loan portfolio growth and protect the bank from loss while maintaining acceptable asset quality. The officer evaluates credit applications for recommendation.

• Independently analyzes, or at times may work with more Senior Credit Officer, to evaluate the risk of adding a particular transaction to the bank's loan portfolio.
• Identify additional information requirements needed to properly assess risks of the transaction.
• Understand and assess the customer’s business model and its viability in the long run.
• Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business.
• Considers alternative credit structures to mitigate risk where appropriate.
• Recommend action to be taken on credit, identifies key risks and information requirements.
• Ensure that credit facilities presented are properly graded.
• Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.
• Usually works independently with limited direct supervision. Serves as a resource for less experienced Credit Officers.

Minimum Skills, Experience and Qualifications

We are looking for someone excited to join our organization. If you meet the minimum requirements below, you are encouraged to apply to be considered for this role.

• 5-7 plus years’ experience as a credit underwriter or similar position requiring business knowledge and credit judgment.
• Postgraduate or an advanced degree in business management, finance or accounting.
• Ability to formulate and articulate objective views based on professional analysis.
• Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.
• Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
• Good organization skills and ability to work within time constraints in a highly regulated industry.
• Works effectively in a team environment, while assuming individual responsibility and helping develop the junior level analysts.

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 physical disability needs. Visit ourFAQs for more information about requesting an accommodation.

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

Our business bankers work in the Consumer Bank to provide financial solutions to small business owners across the U.S. Customers turn to us for financing and advice as they start, run and grow their businesses. We partner with clients throughout the process, investing in our communities and people for the long-term.