Credit Risk Associate – C&SI Middle Market Corporates

Testing Site - JPMC; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Testing Site - JPMC, Bangalore, is seeking a Credit Risk Associate to manage client portfolios, perform credit analyses, and support negotiations and documentation with North America teams. This role emphasizes macro views, industry specifics, financials, and robust governance across global stakeholders.

The ideal candidate will have 4-7 years of credit risk experience, a postgraduate degree, and strong communication skills to interact with executives and clients worldwide.

Qualifications

• 4-7 years of experience in credit risk analysis with 2 years of experience in managing clients
• 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

Responsibilities

• Independently manage own client portfolio - prepare credit analysis on assigned clients including macro overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and facilities
• Assist in negotiating credit terms with senior officers and lead finalization of documentation
• Support due diligence on capital market transactions for clients
• Collaborate with North America approvers on onboarding and deal structuring
• Build relationships with colleagues across lines of business and stakeholders
• Engage junior team members in deals for support and review their work
• Develop knowledge on clients/sectors across diversified industries
• Ensure governance, reporting and data quality for clients and client families
• Support ED/VPs in driving projects at LoB level such as trainings and recruitment

Skills

Communication skills

Interpersonal skills

Analytical thinking

Attention to detail

MS Word

MS Excel

PowerPoint

Education

Postgraduate degree

Tools

MS Word

MS Excel

PowerPoint

Job description

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. You will be conducting credit analysis of Corporate clients including portfolio management in the Middle Markets team in Commercial Banking division. We are in Bangalore and work with North America based Clients. Our work culture is all about thinking outside the box, challenging the status quo, and striving to be best-in-class. If you are passionate about risk management, building stakeholder relationships and taking charge of your career development, you may be the perfect fit for our team.

Work timings: Starts at 1 p.m. IST to provide overlap with US team members.

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 annual reviews, periodic financial performance diligence, etc.
• Assist in negotiating of 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.
• Actively support ED/VPs in driving projects at LoB level – trainings, internship, recruitment, etc.

Required qualifications, capabilities, and skills

• 4-7 years of experience in credit risk analysis with 2 years of experience in managing clients, preferably in Technology and Disruptive commerce industry
• 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

Preferred qualifications, capabilities, and skills

• None