Credit Risk Associate

JPMorganChase; Bengaluru; On-site; INR 2,000,000 - 3,500,000; Full time

Job summary

JPMorganChase is seeking a credit risk professional to manage a dedicated Commercial Real Estate portfolio within Community Development Banking. You will perform in-depth credit work, monitoring, and analytics to support underwriting and risk management across the business cycle.

You will own client reviews, analyze financial statements, and partner with Credit Approvers, Officers, and bankers. The role requires MBA Finance or CA, 4–10 years in credit risk, and strong communication skills for

Qualifications

• MBA Finance or CA is required.
• 4–10 years of experience in credit risk; real estate experience preferred.
• Strong understanding of corporate finance and financial statements.
• Knowledge of banking facilities/products and documentation.
• Willingness to learn credit risk analysis and real estate sector.
• Deadline-driven with high accuracy and attention to detail.
• Proficient with MS Office and able to learn AI tools.
• Able to work proactively, independently or in a team.
• Excellent written and verbal communication for stakeholder engagement.
• Work timing starts at 1:00 p.m. IST to overlap with US counterparts.

Responsibilities

• Manage own client portfolio with in-depth portfolio monitoring and credit risk analysis.
• Prepare reports and recommend rating grades based on analysis.
• Conduct annual reviews and diligence for stressed loans; monitor covenants.
• Support regulatory reporting and risk management across the business cycle.
• Develop expertise in CRE and Affordable Housing sectors in North America.
• Collaborate with Credit Approvers, Officers, and bankers; mentor junior analysts.
• Assist firm-wide projects to improve efficiency, risk analytics, and compliance.
• Handle ad-hoc projects as needed.

Skills

Credit risk analysis

Financial analysis

Communication skills

Team collaboration

Proactive learner

Education

MBA Finance

CA

Tools

Excel

Word

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 to partner with the Business to provide a comprehensive view of the Commercial Real Estate (CRE) portfolio within Community Development Banking (CDB), part of Commercial Banking at JPMorganChase. In this role you will support 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.

Responsibilities

• Manage own client portfolio – Extensive and in‑depth portfolio monitoring; independently prepare credit risk analysis reports on assigned clients (business & financial analysis 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 and 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.

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.