JP Morgan Chase - Credit Risk Analysis - Commercial Banking

Location: Bangalore

Responsibilities:

- Prepare credit risk analysis reports on assigned portfolio of clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.

- Covenant tracking - Spread income statement, balance sheet and cash flow on a monthly/quarterly basis for the purpose of calculating various ratios like fixed charge coverage ratio, minimum liquidity availability figures, leverage ratio etc. and checking for compliance with agreed covenant ratios

- Provide end to end support on allocated client portfolio to the Credit Risk Manager ("CRM") in the US including interims, pricing change, covenant failures, renewals, amendments, new money transactions, credit approval memos etc.

- Summarize Field exam results and also provide CRM comments on the exam findings. Work with onshore to finalize ABL risk comments on the field exam.

- Summarize Inventory appraisal findings as part of the annual review process.

- Detailed Borrowing base analysis and analyze collateral related metrics (month on month) on the allocated portfolio of clients

- Complete projections modelling for portfolio clients for refinancing/ amendments/ transactions (as needed)

- Partner with CRM's/UW's Stateside and join client calls for amendments, renewals and new client onboardings etc.

- Evolve in ABL Portfolio Management and Work with Underwriters in the US to onboard clients by preparing detailed credit risk memos and complete 270 modelling projections

- Contribute actively to portfolio analytics projects which are run by CB Risk India ABL team like Collateral Analytics and feedback on system changes

- Train/ mentor juniors after getting sufficient ABL experience

- Develop and maintain open communication channels with bankers in North America. Independently handle all calls/rating/spreads discussions with Underwriters

- Contribute actively for ideation on process improvement and improved analytics

- Take up Adhoc requests from Stateside for analysis related to credit events like bankruptcy, due diligence questions, client specific charts for financial analysis etc.

- Develop understanding of various techniques and methods of credit analysis, accounting treatments, financial adjustments etc.

Qualifications: - MBAs (with Finance specialization) / CAs

- Excellent academic record

- Strong understanding of accounting and finance concepts

- Strong analytical skills and keen attention-to-detail

- Deadline oriented, organized, and responsible

- Ability to work independently as well as in a team environment

- Strong communication skills - oral and written

- Proficient in the use of MS Word, Excel and Power Point

- 3 years of Credit related work experience is a must

- Credit approval and modelling experience would be preferred (not a must)

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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