Lead Credit Officer - VP

JPMorganChase; Mumbai; On-site; INR 3,500,000 - 7,000,000; Full time

Job summary

JPMorganChase is seeking a senior Credit Risk professional to supervise a diverse portfolio of corporate and institutional clients in Mumbai. You will lead due diligence, structuring, and documentation for transactions while conducting forward-looking credit analysis with financial modelling.

The role requires strong communication and stakeholder collaboration. You will interact with client coverage, product bankers, credit executives and legal counsel, and you will mentor junior team members

Qualifications

• At least 6 years’ experience in a credit risk or credit analysis role within corporate, institutional and/or investment banking.
• Strong credit risk analysis skills covering both qualitative and quantitative analysis.
• Understanding of products across loans, derivatives and liquidity/cash management and related documentation.

Responsibilities

• Be responsible for ongoing supervision and management of an assigned portfolio of corporate and institutional clients across a range of industries.
• Take a lead role in the due diligence, structuring and documentation for transactions.
• Conduct detailed review of forward-looking credit analysis, along with necessary financial modelling, to provide insight into clients’ industries and the key business and financial risks they face.
• Exercise a meaningful credit approval authority.
• Interact closely with transaction stakeholders including client coverage and product bankers, credit executives and legal counsel.
• Review various credit and regulatory reporting requirements.
• Mentor and develop junior Wholesale Credit Risk team members.
• Track market and industry developments and their impact on clients.
• Recommend and monitor internal credit ratings; and
• Support the team with ongoing ad-hoc initiatives and work streams.

Skills

Credit risk analysis

Interpersonal skills

Time management

Relationship building

Communication

Education

CA or postgraduate in accounting/finance

Tools

Microsoft Excel

PowerPoint

Word

Outlook

Job description

Job Summary

Are you interested in contributing to keeping JPMorganChase strong and resilient? If you are keen to be part of the Credit Risk team to help the firm grow its business 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, this opportunity is for you. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.

Job Responsibilities

• Be responsible for ongoing supervision and management of an assigned portfolio of corporate and institutional clients across a range of industries


• Take a lead role in the due diligence, structuring and documentation for transactions


• Conduct detailed review of forward-looking credit analysis, along with necessary financial modelling, to provide insight into clients’ industries and the key business and financial risks they face


• Exercise a meaningful credit approval authority


• Interact closely with transaction stakeholders including client coverage and product bankers, credit executives and legal counsel


• Review various credit and regulatory reporting requirements


• Mentor and develop junior Wholesale Credit Risk team members


• Track market and industry developments and their impact on clients


• Recommend and monitor internal credit ratings; and


• Support the team with ongoing ad-hoc initiatives and work streams

Required qualifications, capabilities and skills

• At least 6 years’ experience gained in a credit risk or credit analysis role within corporate, institutional and/or investment banking


• Strong credit risk analysis skills covering both qualitative and quantitative analysis


• Strong understanding of products across loans, derivatives and liquidity and cash management products as well as related documentation


• Ability to take an active role in identifying key issues and concerns relating to clients, their industries and transaction structures


• Strong interpersonal skills


• Ability to demonstrate good time management and clarity in thinking when dealing with multiple work streams in a fast-paced environment


• Ability to foster relationships and confidently interact with origination teams and other internal stakeholders

Preferred qualifications, capabilities and skills

• Highly proficient in Microsoft Excel with an ability to navigate through financial models, as well as other Microsoft programs (PowerPoint, Word, Outlook etc.)


• CA or Post graduate qualifications in accounting, business, finance, or a quantitative related discipline from a Tier-1 business school preferably


• Proficiency in written and verbal communication in Japanese is advantageous but not required

About the Company

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.

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.