Commercial Banking Risk - Credit Risk Associate

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 a Commercial Banking Risk - Credit Risk Associate within the Commercials Banking Risk India team, you will be at the center of keeping JPMorgan Chase strong and resilient. You will work closely with the in-country Underwriters and Credit Executives, providing them with in-depth credit risk analysis of clients and recommendations on risk grades. This role offers an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area.

Job responsibilities

• Prepare independently credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues) – for middle market clients (clients with exposure less than $5-$10mm). Recommend rating grades based on analysis for the clients.  
• Manage 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. Independently handle all calls/rating discussions with Underwriters and Credit Executives.
• Build strong knowledge of credit analysis for clients.
• Build strong stakeholder relationships and maintain open communication channels with Credit Officers and Credit Executives

Required qualifications, capabilities, and skills

• Minimum 4 years of experience in credit risk
• Qualifications in MBA (with Finance specialization) / CA
• 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/ RMs.