Job Description

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GWM provides advice, strategies and solutions for all aspects of the financial, asset management and wealth transfer needs of high net worth and ultra-high net worth clients. GWM is dedicated to delivering an outstanding client experience by providing unbiased advice and individual solutions. The GWM Credit Risk Officer Role is a high visibility role with interactions with senior stakeholders within the business and Credit Risk. The Credit Risk Officer will be based in Mumbai and responsible for assessing and approving/declining requests and managing overall credit risk in the assigned portfolio.

Key responsibilities:

• Provide WM Credit Risk oversight for selected EMEA markets.
• Manage the end-to-end credit relationship for a diverse portfolio of clients, including existing and new transactions; such transactions to include securities-based lending, structured lending / specialty lending, mortgages and derivatives.
• Work closely with and provide credible challenge to Lending Solutions team, and partner with Credit Underwriting team (London/ Luxembourg/Mumbai) to execute on regional lending strategy for WM.
• Responsible for the accurate, timely and consistent assignment of risk ratings for all clients and collateral.
• Ensure all credit exposure is structured, documented and approved in accordance with credit risk policy, procedures and risk appetite.
• Monitor WM credit risk metrics, limits and indicators, as well as all exception reports produced by Credit Middle Office (CMO), approve resolution plans and escalate potential problems.
• Liaise with the WM Policy team and contribute to discussions on credit risk policy, procedures and risk appetites to ensure that any guidelines/limits/thresholds established accurately reflect the EMEA ex-Geneva lending business and credit risk activities.
• Respond to ad-hoc queries from internal (senior management) and external stakeholders (regulators).

Skills / Qualifications

• Bachelor's degree (or equivalent) in Economics, Accounting, Finance or Business Management
• Significant relevant experience (minimum of seven years) of credit risk management or related discipline in a top tier banking environment, preferably in wealth management.
• Strong analytical and credit skills.
• Strong decision making capabilities and the ability to identify problems and propose solutions.
• Ability to operate independently with confidence to interact credibly with senior business stakeholders.
• Outstanding attention to detail and ability to learn complex processes that affect various functions and business units within Credit Risk Management.
• Highly organized, motivated and hard working with exceptional communication skills, both written and verbal.

About Us: J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

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: J.P. Morgan Asset & Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.