JP Morgan Chase – Associate – Credit Risk Corporate Underwriting

JP Morgan Chase; Bengaluru; On-site; INR 1,000,000 - 1,500,000; Full time

Job summary

A leading financial institution in Bengaluru is seeking a Credit Risk Analyst with 3-5 years of experience to prepare and analyze credit risk reports for middle market clients. The role involves quality checking junior analysts' work, developing strong relationships with stakeholders, and enhancing knowledge of credit analysis techniques. Ideal candidates will have an MBA or CA and a strong grasp of corporate finance concepts.

Qualifications

• 3-5 years of experience in credit risk analysis.
• Strong grasp of financial statements and ratio analysis.
• Deadline orientation and attention to detail.

Responsibilities

• Prepare credit risk analysis reports for middle market clients.
• Quality check work delivery for junior analysts.
• Develop and maintain communication with Underwriters and Bankers.

Skills

Credit risk analysis

Communication skills

Corporate finance concepts

Interpersonal skills

Education

MBA (Finance specialization)

CA

Tools

MS Word

Excel

Power Point

Job description

Job Responsibilities:

– Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues) for middle market clients (clients with exposure less than $5MM). Recommend rating grades based on analysis for the clients.

– Quality check work delivery for junior analysts in the team. Understand various techniques and methods of credit analysis, accounting treatments, financial adjustments, firm’s credit related policies, etc.

– Develop and maintain open communication channels with Underwriters and Bankers. Independently handle all calls/rating discussions with Underwriters and Credit Executives.

– Build strong knowledge of credit analysis for clients.

– Stakeholder management – Build strong relationships and maintain open communication channels with Credit Officers and Credit Executives

Required Qualifications, capabilities and skills : MBAs (with Finance specialization) / CAs

– 3-5 years of experience in credit risk. Excellent academic record; experience in credit risk

– Strong grasp of corporate finance concepts and their application

– Understanding of the financial statements, including ratio analysis, cash flow analysis, and basic accounting standards

– Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies

– Strong communication skills – both oral and written; ability to effectively present analysis and interact with global credit bankers

– Deadline orientation; close attention to detail and accuracy. Proficient in the use of MS Word, Excel and Power Point

– Ability to work proactively & independently as well as in a team environment. Strong interpersonal skills, ability to build positive relationships with Underwriters and Relationship Managers