Job Description
Role: Associate for conducting Credit Analysis of Real Estate clients in the Commercial Real Estate team - North America
• Understand the Credit Ecosystem - Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform the Credit Analysis of Real Estate Borrowers
• Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures
• Build expertise in the North America Commercial Real Estate sector; as well as in analyzing Real estate Operating Companies & Real Estate Investment Trusts
• Develop and maintain open communication channels with Underwriters and Credit Executives. Independently handle all calls/rating discussions with Underwriters and Credit Executives
• Portfolio Management: Enhanced, improved and in-depth portfolio monitoring; Coordination with CRE Market Surveillance team; Interact with Real Estate Banking Risk Underwriting Team, Client Executives, and other internal product partners
• Build strong knowledge of clients; regularly track sector and regulatory developments on an on-going basis; Continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed
• Internal Systems Data Management: system data ownership, quality and timely updates for internal reporting and portfolio reviews
• Controls and Compliance: monitor loans for covenant, reporting, and regulatory compliance
• Mentor and train junior analysts in the team on fundamentals of credit risk analysis, internal systems & processes; and supervise/ review their work
• Contribute to various firm-wide projects focused on improving efficiencies, risk technology, enhancing risk reporting, regulatory compliance, etc.
Qualifications: MBAs (with Finance specialization) / CA
• 5-8 years of experience in credit risk; experience in real estate sector is preferred
• Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles
• Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation
• Attitude and aptitude to learn and enhance knowledge of credit risk analysis; and passion for real estate sector
• Deadline orientation; strong attention to detail and high accuracy
• Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn new tools, techniques and applications
• Ability to work proactively & independently, as well as in a team environment
• Strong & Effective communication skills - both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders at various hierarchies
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
• Understand the Credit Ecosystem - Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform the Credit Analysis of Real Estate Borrowers
• Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures
• Build expertise in the North America Commercial Real Estate sector; as well as in analyzing Real estate Operating Companies & Real Estate Investment Trusts
• Develop and maintain open communication channels with Underwriters and Credit Executives. Independently handle all calls/rating discussions with Underwriters and Credit Executives
• Portfolio Management: Enhanced, improved and in-depth portfolio monitoring; Coordination with CRE Market Surveillance team; Interact with Real Estate Banking Risk Underwriting Team, Client Executives, and other internal product partners
• Build strong knowledge of clients; regularly track sector and regulatory developments on an on-going basis; Continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed
• Internal Systems Data Management: system data ownership, quality and timely updates for internal reporting and portfolio reviews
• Controls and Compliance: monitor loans for covenant, reporting, and regulatory compliance
• Mentor and train junior analysts in the team on fundamentals of credit risk analysis, internal systems & processes; and supervise/ review their work
• Contribute to various firm-wide projects focused on improving efficiencies, risk technology, enhancing risk reporting, regulatory compliance, etc.
Qualifications: MBAs (with Finance specialization) / CA
• 5-8 years of experience in credit risk; experience in real estate sector is preferred
• Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles
• Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation
• Attitude and aptitude to learn and enhance knowledge of credit risk analysis; and passion for real estate sector
• Deadline orientation; strong attention to detail and high accuracy
• Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn new tools, techniques and applications
• Ability to work proactively & independently, as well as in a team environment
• Strong & Effective communication skills - both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders at various hierarchies
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
💡 Quick Summary
Seeking a career-building opportunity? The CB|Risk|Generic|Global|JPMC position is now open for candidates interested in the Counter Sales Jobs sector. This role in Bengaluru offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Counter Sales Jobs is a plus.
