JPMorgan is hiring for the position of Analyst – Credit Risk in Mumbai; Bengaluru, India. Candidates with a Bachelor’s/ Master’s degree are eligible to apply for this position. The complete information, eligibility criteria, and requirements are provided below.
Job Description:
| Company Name | JPMorgan Chase & Co. |
| Position | Analyst – Credit Risk |
| Qualifications | Bachelor’s/ Master’s Degree |
| Experience | Freshers/ Experienced |
| Location | Mumbai; Bengaluru, India |
Key Responsibilities:
- Manage and monitor a portfolio of EMEA corporate clients across diverse industries by assessing, grading, and reviewing credit risk exposures.
- Track financial performance, earnings announcements, liquidity, covenant compliance, and other key developments that may impact the assigned client portfolio.
- Monitor portfolio and counterparty risk metrics while contributing to sector analysis and early warning risk assessments.
- Participate in due diligence activities for onboarding new EMEA corporate clients and reviewing existing clients by analyzing business models, cash flow generation, debt capacity, and refinancing risks.
- Prepare clear, concise, and well-structured credit memos with recommendations on credit facilities, limits, tenor, covenants, collateral, security, and intercreditor arrangements.
- Support the evaluation and approval of leveraged finance and lending transactions, including revolving credit facilities (RCFs), term loans, and bond issuances.
- Develop a strong understanding of legal documentation related to corporate banking products, including credit agreements, bond indentures, intercreditor agreements, and security and guarantee packages.
- Contribute to team and departmental initiatives aimed at improving processes, enhancing operational efficiency, and leveraging AI and Large Language Models (LLMs) to optimize workflows.
Eligibility Criteria:
- Demonstrate the ability to interpret and analyze corporate financial statements, including Balance Sheets, Profit & Loss Statements, and Cash Flow Statements.
- Possess knowledge of cash flow modeling and valuation techniques, including Discounted Cash Flow (DCF) analysis.
- Have a broad understanding of macroeconomic trends and industry factors affecting corporate and leveraged finance borrowers.
- Possess a basic understanding of lending, capital markets, derivatives, leveraged finance, and covenant structures.
- Demonstrate the ability to build strong working relationships with internal business partners and credit officers.
- Exhibit strong verbal and written communication skills with the ability to present clear, decision-oriented analyses.
- Be proficient in Microsoft Office applications, including Excel, PowerPoint, and Word.
- Demonstrate the ability to work independently, manage multiple priorities, and adapt effectively to changing business needs.
- Collaborate effectively with colleagues and stakeholders across global locations, including London, Frankfurt, Paris, and Mumbai.
Preferred Skills:
- Have prior experience in Credit Risk, leveraged finance underwriting, cash flow modeling, or financial analysis.
- Possess an understanding of corporate business models, sponsor-backed transactions, and covenant structures.
- Knowledge of a second European language, such as French, German, Italian, or Spanish, will be considered an added advantage.
- Professional certifications such as CFA or FRM will be considered an added advantage.
- Hold a degree in Finance, Accounting, Economics, STEM, or a related discipline.
About Company:
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.
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