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 Credit Risk Analyst - Middle Market Corporates (exposures over $10MM) within the Credit Risk team, you will work closely with Credit Officers in North America and India on client activities such as prospects, new client onboarding, new facilities, modifications of existing facilities, projections modelling and portfolio management activities such as periodic financial performance diligence. You will help the firm manage the risk 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. You will be conducting credit analysis and support portfolio management of Corporate clients in the Middle Markets team in Commercial Banking division.
Job responsibilities
- Work closely with Credit Officers in North America and India on client activities such as prospects, new client onboarding, new facilities, modifications of existing facilities, projections modelling and portfolio management activities such as periodic financial performance diligence, etc.
- Independently prepare credit analysis on assigned clients - covering macro-overview, industry/sector analysis, business analysis, financial analysis - and recommend changes to credit ratings
- Partner with Credit Officers on assigned clients to manage clients' credit asks and assist in portfolio management activities.
- Maintain proactive and positive attitude and exhibit rigor in work to produce near flawless credit drafts and modelling outputs.
- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc.
- Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis
- Ensure governance, reporting and data quality requirements are met and maintained for client and client families
Required qualifications, capabilities, and skills
- Post graduate degree
- 1+ years' experience in credit risk analysis
- Ability to work independently as well as in a team environment
- Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders
- In depth understanding of financial statements, including ratio analysis, cash flow analysis and accounting standards
- Excellent academic record, strong grasp of corporate finance concepts and application, close attention to detail and accuracy
- Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies
- Proficient in the use of MS Word, Excel and PowerPoint
ABOUT USJPMorganChase, 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.
ABOUT THE TEAMJ.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.
