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: Associate for conducting Credit Analysis of Corporate clients in Credit Risk Center team in Commercial Banking division – North America
Location: Bangalore
Responsibilities:
Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues) – for middle market clients (clients with exposure less than $10mm). Recommend rating grades based on analysis for the clients.
Quality check work delivery for junior analysts in the team. Understand various techniques and methods of credit analysis, accounting treatments, financial adjustments, firm’s credit related policies, etc.
Develop and maintain open communication channels with Underwriters. Independently handle all calls/rating discussions with Underwriters and Credit Executives.
Build strong knowledge of credit analysis for clients.
Stakeholder management – Build strong relationships and maintain open communication channels with Credit Officers and Credit Executives
Qualifications: MBAs (with Finance specialization) / CAs
4-7 years of experience in credit risk
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
Deadline orientation; close attention to detail and accuracy
Proficient in the use of MS Word, Excel and Power Point
Ability to work proactively & independently as well as in a team environment
Strong interpersonal skills, ability to build positive relationships with Underwriters/ RM