Credit Risk Associate

Fairygodboss; Bengaluru; On-site; INR 3,500,000 - 6,000,000; Full time

Job summary

JPMorganChase in Bengaluru seeks a seasoned credit risk analyst to support the CRE portfolio within Commercial Banking. You will perform in-depth credit risk analysis, monitor performance, and prepare analytics across the business cycle to support risk decisions.

Role requires MBA in Finance or CA with 4–10 years of credit risk experience, strong financial analysis skills, and proficiency in MS Excel/PowerPoint.

Qualifications

• MBA (Finance) or CA with 4–10 years of credit risk experience.
• Experience in real estate sector preferred.
• Strong understanding of corporate finance and financial statements.
• Knowledge of banking facilities/products and related documentation.
• Quick learner with interest in real estate risk analysis.
• Detail-oriented with high accuracy and deadline orientation.
• Proficient in MS Office and ability to learn AI tools.

Responsibilities

• Manage own client portfolio with extensive monitoring and credit risk analysis reports.
• Recommend rating grades based on business and financial analysis.
• Perform annual reviews, diligence for stressed loans, and regulatory reporting.
• Develop expertise in CRE and Affordable Housing sectors in North America; stay updated on credit ecosystem.
• Build relationships with Credit Approvers, Officers, Bankers and stakeholders.
• Mentor and train junior analysts on credit risk fundamentals and processes.
• Contribute to firm-wide projects to improve efficiency and risk reporting.
• Handle ad-hoc projects as needed.

Skills

Credit risk analysis

Portfolio management

Financial analysis

MS Excel

PowerPoint

Stakeholder management

Communication skills

Mentoring

Regulatory reporting

Education

MBA in Finance

CA

Tools

MS Word

MS Excel

PowerPoint

AI tools

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.

Join the Commercial Real Estate (CRE) team within Community Development Banking (CDB), part of Commercial Banking at JPMorganChase. In this role, you will support the credit management of a portfolio of CDB clients through disciplined underwriting, ongoing monitoring, and portfolio analytics across the business cycle. You will work in a collaborative environment that emphasizes continuous learning, development, and strong stakeholder partnership.

Job Responsibilities

• Manage own client portfolio - Extensive and in-depth portfolio monitoring; Independently 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 strong expertise in 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.
• Mentor and train junior analysts in the team on fundamentals of credit risk analysis, internal systems & processes; and supervise/ review their work.
• 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.

Required Qualifications

• MBAs (with Finance specialization) / CA
• 4-10 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 at various hierarchies.
• Work timing: Starts at 1:00 p.m. IST to provide overlap with the US counterparts.

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 our FAQs for more information about requesting an accommodation.

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.