Senior Commercial Credit Officer

JP Morgan Services India Pvt Ltd; Bengaluru; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

JPMorganChase is seeking a seasoned Commercial Credit Officer to manage dealer floorplan, real estate and working capital loans. The candidate will review credit proposals, assess risk, and structure transactions aligned with policy while engaging with bankers and clients to facilitate timely approvals.

The role requires 3–5 years in commercial credit analysis within the automotive sector, strong analytical and communication skills, and the ability to multitask in a fast-paced environment.

Qualifications

• Bachelor of Arts in Finance/Accounting or MBA required.
• 3–5 years commercial credit analysis with automotive lending experience.
• Experience analyzing loans to franchised auto dealerships.
• Strong written and verbal communication skills.
• Good judgment and decisive action.

Responsibilities

• Prepare written credit reviews identifying opportunities and key risks with mitigation.
• Analyze cash flow and financial statements to assess repayment capacity.
• Assign obligor and facility risk ratings with supporting rationale.
• Manage portfolio through annual reviews, modifications, covenant breaches, and trend analysis.
• Interact with clients and bankers to move transactions forward.
• Coordinate with internal/external contacts to keep deals progressing smoothly.
• Communicate clearly to resolve issues and support credit decisions.

Skills

Commercial credit analysis

Cash flow analysis

Financial statement analysis

Credit structuring

Risk assessment

Education

Bachelor of Arts in Finance

MBA

Job description

Credit Sr officer Dealer Commercial Services Credit Officer – Associate, Credit Senior Officer

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 part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You 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. 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 Description

The Dealer Commercial Services team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 450+ franchised retail automobile dealers. We are searching for an experienced Commercial Credit Officer to manage a portfolio of approximately $500 million in loan commitments. As a part of the team, you will be responsible for analyzing commercial loans to prospects/existing customers, collaborating with banking partners, and structuring transactions that are consistent with our company’s policies and procedures. The ideal candidate will take ownership of the credit process and possess the ability to multi-task, prioritize deal flow and meet delivery deadlines, while making decisions in the best interest of the customer and organization. Effective candidates will possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles.

Responsibilities include, but are not limited to :

• Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval
• Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis
• Completing obligor and facility risk ratings with documented rationale for the final risk grades
• Proactive ownership of portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics
• Interacting with clients, virtually or in person, in conjunction with the Banker
• Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.
• Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems

Minimum Skills, Experience, and Qualifications

• Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration
• 3-5 years commercial credit analysis / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market
• Hands-on experience analyzing commercial loans to franchised auto dealerships, or equivalent, including floor plan lending.
• Superior analytical skills supported by excellent written and verbal communication skills
• Demonstrated judgment and ability to act decisively
• Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues.

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.

Experience Level Senior Level