Credit Risk Associate - C&SI Middle Market Corporate

JPMorganChase; Bengaluru; On-site; INR 1,000,000 - 1,600,000; Full time

Job summary

JPMorganChase in Bengaluru seeks a Credit Risk Associate to join a fast-paced, growth-oriented team. You will independently analyze assigned clients, cover macro trends, industry and financials, model projections, and suggest credit rating changes and facility amendments.

You will collaborate with North America colleagues on onboarding new clients and structuring deals, build strong relationships across lines of business, mentor juniors, and maintain governance and data quality for client

Qualifications

• 3-7 years of corporate credit risk analysis experience.
• Post graduate degree.
• Ability to work independently as well as in a team.
• Strong communication and interpersonal skills with global stakeholders.

Responsibilities

• Independently manage own client portfolio – prepare credit analyses covering macro, industry, business, financials and projections; recommend changes to credit ratings and facilities.
• Assist in negotiating credit terms with senior officers and finalize documentation.
• Support due diligence on capital market transactions for clients.
• Collaborate with North America approvers on onboarding new clients and deal structures.
• Build relationships across lines of business and mentor junior team members.
• Develop knowledge of clients/sectors and ensure governance, data quality and reporting requirements.

Skills

Credit risk analysis

Client portfolio management

Financial statement analysis

Negotiation

Interpersonal communication

Education

Postgraduate degree

Tools

MS Word

Excel

PowerPoint

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. As a Credit Risk Associate, you help the firm manage the risk 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. We are based in Bangalore and work with North America based clients.

Job Responsibilities

• Independently manage own client portfolio – prepare credit analysis on assigned clients covering macro‑overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and amendments to facilities. Actively work on portfolio management activities such as periodic financial performance diligence, etc.
• Assist in negotiating the credit terms along with senior credit officers and take lead in finalizing documentation (credit agreements and amendments).
• Support due diligence on capital market transactions for clients.
• Work closely with approvers/senior credit officers in North America on new‑to‑bank client activities such as evaluating prospects, onboarding new clients and new facilities, actively provide recommendations on deal structuring.
• Build strong relationships and maintain open communication with colleagues from various lines of business including credit officers, bankers, middle office, etc.
• Engage junior team members in deals for support and review their work.
• Develop strong working knowledge and track clients/sectors related to diversified industries on an on‑going basis.
• Ensure governance, reporting and data quality requirements are met and maintained for client and client families.

Required Qualifications, Capabilities, And Skills

• 3-7 years of experience in corporate credit risk analysis with 2 years of experience in managing clients, preferably Heavy Equipment Dealers.
• Post graduate degree.
• Ability to work independently as well as in a team environment.
• Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders.
• In‑depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards.
• Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy.
• Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies.
• Proficient in the use of MS Word, Excel and PowerPoint.

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.