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Sr. Analyst - Wholesale Credit

Req #: 180016151
Location: Bangalore East, KA, IN
Job Category: Credit
Job Description:

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.


J.P. Morgan in India provides a comprehensive range of Corporate & Investment Banking, Commercial Banking, Asset & Wealth Management, and Corporate functions services and solutions to our clients, executing some of the most important financial transactions and providing essential strategic advice to our clients such as the government, large domestic and multi-national corporations, non-government organizations and financial institutions and investors. India is a key market for JPMorgan Chase globally and our employees in India are a critical part of how we do business globally and are integrated within our businesses. Our Global Service Centers (GSCs) are strategically positioned in Mumbai, Bangalore and Hyderabad to support the firm’s operations regionally and globally. The centers provide comprehensive strategic support across technology and business operations processing to all lines of business and the corporate functions.


Chase Consumer & Community Banking serves nearly 66 million consumers and 4 million small businesses with a broad range of financial services through our 137,000 employees.  Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Our Risk Management professionals work directly with Consumer Banking, Business Banking, Auto/Student Loan, Card and Commerce Services, Chase Wealth Management and Mortgage Banking to minimize, monitor and control the probability of risk events and mitigate the impact of risk events that do occur.


The Business Banking Risk team is focused on a range of risk types generated through the partnership with BB functional groups. One area of focus is Credit Risk, where decisions are rendered on incoming credit requests from small business customers. Credit requests are sourced through our Business Relationship Managers located in the markets they serve.

The purpose of this position is to facilitate business loan portfolio growth and protect the bank from loss, maintaining acceptable asset quality.


Key Responsibilities:

  • Independently analyze, or at times work with more senior Credit Officers, 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.
  • 1-3 plus years experience as a credit underwriter or similar position requiring business knowledge and credit judgment
  • Preferably a 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, loan documentation, bankruptcy and related legal issues.
  • Strong verbal, written, and interpersonal skills, as well as analytical 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.
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