JP Morgan Chase - Credit Risk Analyst

CB Risk India - Credit Risk Analyst - Government, Healthcare, Higher Education and Not For Profit (GHHN) Risk, Middle Market Banking and Specialized Industries ("MMBSI")

Location: Bangalore

Responsibilities:

- Portfolio management of the assigned portfolio of clients, in partnership with Underwriter based in the North America

- Independently prepare credit analysis on assigned portfolio of clients (covering macro overview, industry/sector, business, financial and credit analysis), completing Annual Grade Reviews for assigned portfolio and working on prospect coverage, new client onboarding, new product onboarding, renewals and modifications of existing facilities,

- Recommendation changes to credit ratings and amendments (credit facilities terms change)

- Support due diligence on capital market transactions for clients under coverage

- Assist in negotiating and finalizing documentation (credit agreements and amendments) for select clients in the Healthcare Higher Education and Not For Profit portfolio

- Developing strong working knowledge and tracking clients/sectors related to GHHN industries on an on-going basis and updating key stakeholders on material developments w.r.t. their clients/ industry and potential ratings impact

- Building strong relationships and maintaining open communication with colleagues from various LOBs including Underwriters, Bankers, Operations, Middle Office, etc. Independently handling all calls/rating discussions with Underwriters and Credit Executives

- Keep updated on Credit ecosystem - Tools & Applications, Policies, Procedures, Guidelines required to perform the Credit Analysis of clients

- Being current on all firm-wide risk policies; and ensuring all governance, reporting and data quality requirements are met and maintained for client and client families

- Work timings: Start India 1 PM time to provide coverage to US team members

Qualifications: MBAs (with Finance specialization) / CAs

- 0-3 years of experience in credit risk analysis - Credit Transactions (Prospects/New clients, new facilities, amendments, etc.), annual reviews

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

- Strong interpersonal skills, ability to build positive relationships with Underwriters

- 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

- Timeline orientation; close attention to detail and accuracy

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

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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