JP Morgan Chase – Associate – Credit Risk J.P. Morgan

The Corporate Institute; Mumbai; Presencial; INR 1 200 000 - 2 000 000; Tempo integral

Resumo da oferta

JPMorganChase in Mumbai seeks a Credit Risk Associate to lead credit analysis and due diligence supporting informed credit decisions. You will produce clear memos with recommendations, challenge modeling assumptions, and develop downside scenarios while managing exposure across a diverse client portfolio.

You will collaborate with senior stakeholders across coverage, product, markets, and M&A, and contribute to coaching junior team members in a fast-paced environment.

Qualificações

• Strong analytical and credit judgment in evaluating transactions.
• End-to-end ownership of projects with solid project management.
• Ability to build credibility with clients and internal partners.
• Experience coaching junior colleagues and providing on-the-job guidance.
• Self-starter, results-driven, able to multitask in a dynamic workflow.

Responsabilidades

• Lead in-depth due diligence and concise credit memos with recommendations.
• Build, review, and challenge financial models and downside scenarios.
• Review loan and derivatives documentation and negotiate terms.
• Collaborate with cross-functional teams including coverage, product, markets, and M&A.
• Liaise with Primary and Senior Credit Officers.
• Manage exposure across a portfolio of clients and sectors.
• Coach and develop junior team members through on-the-job training.

Conhecimentos

Credit risk analysis

Financial modeling

Stakeholder management

Mentoring juniors

Multitasking

2+ years experience

Descrição da oferta de emprego

Job Description

Join a credit risk team where your analysis directly informs high-impact credit decisions. You will lead due diligence, develop clear credit recommendations, and challenge assumptions through rigorous modeling and downside scenarios. You will work closely with senior stakeholders across coverage, product, markets, capital markets, and mergers and acquisitions teams. You will also help proactively manage exposures across a portfolio of clients and industry sectors. This role offers the opportunity to coach and develop junior team members in a dynamic, fast-paced environment.

As a Credit Risk Associate within Corporate and Investment Bank Risk, you will lead credit analysis and due diligence to support informed credit decisions. You will produce clear credit memos with recommendations, challenge financial modeling assumptions, and develop appropriate downside scenarios. You will proactively manage exposure for a portfolio of clients and industry sectors while partnering closely with senior stakeholders across the firm. You will also support coaching and development of junior team members through on-the-job guidance and training.

Job Responsibilities

• Lead in-depth due diligence processes and produce concise credit memos with clear recommendations to support credit decision-making.
• Build, review, and challenge financial models and underlying assumptions, and develop appropriate downside scenarios based on key conclusions.
• Review and interpret loan and derivatives documentation, including LMA standard and leveraged finance documents and key ISDA/CSA documentation, and prioritize and negotiate key documentation terms.
• Partner with senior stakeholders across coverage teams, product specialists, markets partners (including derivatives sales), capital markets, and mergers and acquisitions teams.
• Liaise regularly with Primary Credit Officers and Senior Credit Officers.
• Manage exposure proactively across a portfolio of clients and industry sectors.
• Apply understanding of firm risk management policies and related interactions with key stakeholders (including regulators and auditors), and coach junior team members through on-the-job development and training.

Required qualifications, capabilities, and skills

• Demonstrate strong analytical and credit skills and judgment, with a hands-on approach to evaluating credit and transaction structure details.
• Demonstrate strong project management skills with end-to-end ownership of work and projects.
• Build credibility and trust with clients, internal business partners, product specialists, and credit officers, and partner effectively with them.
• Coach and develop junior colleagues effectively.
• Operate as a self-starter who is results-driven, able to multitask, and adaptable to shifting priorities in a dynamic workflow environment.
• Bring at least 2+ years of experience in roles requiring relevant credit risk and analytical skills.

Preferred qualifications, capabilities, and skills

• Have prior experience reviewing and commenting on loan documentation and/or core corporate derivative documentation.
• Demonstrate excellent written and verbal communication skills.

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.

Location

City – Mumbai