JP Morgan Chase - Associate - CCB Risk - Wholesale Credit

J.P. Morgan is a leading global financial services firm, established over 200 years ago :

- We are the leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management.

- We have assets of $2.5 trillion and operations worldwide

- We operate in more than 100 markets.

- We have more than 243,000 employees globally.

Our wholesale businesses include J.P. Morgan's Asset Management, Commercial Banking and the Corporate & Investment Bank which provide products and services to corporations, governments, municipalities, non-profits, institutions, financial intermediaries and high-net worth individuals and families.

Our corporate functions support the entire organization and include the following functions: Accounting, Audit, Finance, Human Resources, Operations, and Technology.

Credit Officer : The purpose of this position is to facilitate business loan portfolio growth and protect the bank from loss while maintaining acceptable asset quality. The officer Evaluates credit applications for recommendation.

Responsibilities :

- Independently analyzes, or at times may work with more senior Credit Officer, to evaluate the risk of adding a particular transaction to the bank's loan portfolio.

- Identify additional information requirements needed to properly assess risks of the transaction

- Understand and assess the customer's business model and its viability in the long run

- Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business

- Considers alternative credit structures to mitigate risk where appropriate

- Recommend action to be taken on credit, identifies key risks and information requirements

- Ensure that credit facilities presented are properly graded

- Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements

- Usually works independently with limited direct supervision. Serves as a resource for less experienced Credit Officers.

Qualifications :

- 5-7 plus years' experience as a credit underwriter or similar position requiring business knowledge and credit judgment

- Post graduate or an advanced degree in business management, finance or accounting;

- Ability to formulate and articulate objective views based on professional analysis.

- Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.

- Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills.

- Good organization skills and ability to work within time constraints in a highly regulated industry

- Works effectively in a team environment, while assuming individual responsibility and helping develop the junior level analysts.

JPMorgan Chase & Co., 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

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