Job Description

JOB DESCRIPTION Role: Work as Sr. Credit Risk Associate - Perform Quantitative and Qualitative Credit Analysis of Real Estate Borrowers / Facilities in Commercial Term Lending Team as part of larger Commercial Real Estate Team in India.

Location: Bangalore


• Manage a team of Credit Risk Analysts &/or Associates: lead inclusively with purpose and integrity, and with strong focus on continuous professional development and talent management. Motivate/mentor team members, provide feedback and train them on credit risk analysis, internal systems and processes; and supervise/ review their work


• Develop strong understanding of the Credit Risk Ecosystem - Tools & Applications, Policies, procedures, guidelines required to perform the Credit Analysis of the Real Estate Loans and Borrowers; and be abreast with the changes therein.


• Build expertise in the North American Commercial Real Estate sector and regularly track sector developments on an on-going basis.


• Be able to Independently Perform Credit Analysis (Quantitative and Qualitative Analysis) of the Recommend credit risk ratings / grades based on the analysis for the clients and facilities/exposures within the stipulated timelines. Be ready for expanded scope of work by learning & performing additional assignments.


• Develop and maintain open communication channels with Credit Analysts / Associates and Executives on the domestic and stateside. Independently handle calls/queries/rating discussions with Underwriters and Credit Executives


• Mentor and train junior analysts in the team on fundamentals of credit risk analysis, internal systems & processes; and supervise/ review their work


• Contribute towards other core / non-core assignments, various firm-wide projects focused on improving efficiencies, risk technology, enhancing risk reporting, QC requirements, regulatory compliance, etc.
• Identify and drive strategic initiatives for the team's progression and growth. Take lead on projects focused on enhancing processes, improving efficiencies, risk technology, enhancing risk reporting, regulatory compliance, etc.


• Ensure high quality of work product (Spread Approvals, Loan / Client Reviews etc.).



Qualifications: MBA / PGDBA (with Finance specialization) / CA

• 6-9 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
• 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


ABOUT US



J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.


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, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.





ABOUT THE TEAM



Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.