Job Description

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Responsibilities:

Portfolio management of the assigned portfolio of clients, in partnership with Underwriters based in 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

Recommend 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)

Developing strong working knowledge and tracking clients/sectors related to diversified industries on an on-going basis and updating key stakeholders on material developments with respect to their clients/ industries and potential ratings impact

Build 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: Starts at 1 p.m. IST to provide coverage to US team members

Qualifications: MBA (with Finance specialization) / CA

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 all Key stakeholders

Excellent academic record, strong grasp of corporate finance concepts and application

In depth understanding of financial statements, including ratio analysis, cash flow analysis and 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 PowerPoint

About Us:

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.

About the Team:

Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.