Job Description
Job Title
Wholesale Credit(Business Banking)- Associate (Credit Sr. Officer) - Bangalore
As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box challenging the status quo and striving to be best-in-class.
Job Responsibilities
Credit Sr. 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.
• Independently analyzes and evaluate the risk of adding a particular transaction to the bank's loan portfolio.
• 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.
• Personally develop and maintain strong working relationships with Stakeholders.
• Lead/ independently handle the business-critical projects & Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same.
Required Qualifications, Skills and Capabilities
We are looking for someone excited to join our organization. If you meet the minimum requirements below, you are encouraged to apply to be considered for this role.
10 plus years' experience as a credit underwriter or similar position requiring business knowledge and credit judgment.
• Postgraduate 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.
About Us (Populated Automatically)
Across JPMorgan Chase, we serve millions of customers and many of the world's most prominent corporate and government clients. Our mission is to build a stronger, more equitable economy, and we strive to make a positive impact everyday with our customers in their communities. We are proud of our reputation as one of the world's most admired companies and we know that it's our people who make us successful. We are committed to a diverse and inclusive workplace where our employees are welcomed, valued and able to bring their authentic selves and best work forward.
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 on the basis of any protected attribute, including race, religion, color, national origin, gender, ****** 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
Wholesale Credit(Business Banking)- Associate (Credit Sr. Officer) - Bangalore
As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box challenging the status quo and striving to be best-in-class.
Job Responsibilities
Credit Sr. 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.
• Independently analyzes and evaluate the risk of adding a particular transaction to the bank's loan portfolio.
• 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.
• Personally develop and maintain strong working relationships with Stakeholders.
• Lead/ independently handle the business-critical projects & Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same.
Required Qualifications, Skills and Capabilities
We are looking for someone excited to join our organization. If you meet the minimum requirements below, you are encouraged to apply to be considered for this role.
10 plus years' experience as a credit underwriter or similar position requiring business knowledge and credit judgment.
• Postgraduate 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.
About Us (Populated Automatically)
Across JPMorgan Chase, we serve millions of customers and many of the world's most prominent corporate and government clients. Our mission is to build a stronger, more equitable economy, and we strive to make a positive impact everyday with our customers in their communities. We are proud of our reputation as one of the world's most admired companies and we know that it's our people who make us successful. We are committed to a diverse and inclusive workplace where our employees are welcomed, valued and able to bring their authentic selves and best work forward.
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 on the basis of any protected attribute, including race, religion, color, national origin, gender, ****** 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
💡 Quick Summary
Seeking a career-building opportunity? The Wholesale Credit|Business Banking| Associate |Credit position is now open for candidates interested in the Bank 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 Bank Jobs is a plus.
