JP Morgan Chase - Credit Risk Analyst - Middle Market Corporates

JP Morgan - Credit Risk Analyst - Middle Market Corporates (exposures over $10MM) - MBA / CA

About CB Risk India: The CB Risk India (CRI) is part of the Credit Risk function for Commercial Bank (CB) at J.P. Morgan. CRI works closely with the in-country Underwriters and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades. CRI covers CB clients across the - North America.

Role:

- Analyst for conducting Credit Analysis of Corporate clients in Middle markets team (exposures over $10mm) in Commercial Banking division - North America

Location: Bangalore

Responsibilities:

- Independently prepare credit analysis on assigned portfolio of clients (covering macro overview, industry/sector, business, financial and credit analysis)

- Recommendation changes to credit ratings

- Execute Annual Reviews, new to bank transactions such as Prospects, New client onboarding, new facilities

- Jointly working with Underwriters in North America and senior team members in India on multiple portfolio management activities

- Building strong relationships and maintaining open communication with colleagues from various LOBs including Underwriters

- 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

- 0-2 years of experience in corporate credit risk analysis

- 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