JPMorgan

Risk - CCB Risk - Wholesale Credit(DCS) - Associate

Job Location:  Bangalore
Job Description:  SkillSet: " commercial banking", "business loan", analytics, " financial justification", " investment banking".

J.P. Morgan is a leading global financial services firm, established over 200 years ago:

  • We are the leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management.
  • We have assets of $2.5 trillion and operations worldwide
  • We operate in more than 100 markets.
  • We have more than 243,000 employees globally.

Our wholesale businesses include J.P. Morgan s Asset Management, Commercial Banking and the Corporate Investment Bank which provide products and services to corporations, governments, municipalities, non-profits, institutions, financial intermediaries and high-net worth individuals and families.

Our corporate functions support the entire organization and include the following functions: Accounting, Audit, Finance, Human Resources, Operations, and Technology.

Credit Officer - The purpose of this position is to facilitate business loan portfolio growth and protect the bank from loss while maintaining acceptable asset quality. The officer Evaluates credit applications for recommendation.

Responsibilities:

  • Independently analyzes, or at times may work with more senior Credit Officer, to evaluate the risk of adding a particular transaction to the bank's loan portfolio.
  • Identify additional information requirements needed to properly assess risks of the transaction
  • Understand and assess the customer s business model and its viability in the long run
  • Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business
  • Considers alternative credit structures to mitigate risk where appropriate
  • Recommend action to be taken on credit, identifies key risks and information requirements
  • Ensure that credit facilities presented are properly graded
  • Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements
  • Usually works independently with limited direct supervision. Serves as a resource for less experienced Credit Officers.

Qualifications:

  • 5-7 plus years experience as a credit underwriter or similar position requiring business knowledge and credit judgment
  • Post graduate or an advanced degree in business management, finance or accounting;
  • Ability to formulate and articulate objective views based on professional analysis.
  • Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.
  • Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills.
  • Good organization skills and ability to work within time constraints in a highly regulated industry
  • Works effectively in a team environment, while assuming individual responsibility and helping develop the junior level analysts.

,
Functional Area:  Risk / Underwriting,Finance / Accounts / Tax
Experience:  Fresher
Qualification:  ("Management in B.B.A / B.M.S")
Salary:  26 Lakh to 30 Lakh INR
 
JPMorgan
Job Ad publication date: 10 Apr 2021  

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