Job Description

JOB DESCRIPTION Role: Work as Credit Office Analyst - 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.

Responsibilities:


• Understand Credit ecosystem - Tools & Applications, Policies, procedures, guidelines required to perform the Credit Analysis of the Real Estate Borrowers


• Develop strong understanding of CTL Credit Procedures & Guidelines, various techniques & methods of credit analysis, accounting treatments, financial adjustments etc.; keep updating oneself from time to time with the changes


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


• Perform Quantitative and Qualitative Credit Analysis of Real Estate Borrowers / Facilities and calculate Risk Ratings independently within the stipulated timelines. Be ready for expanded scope of work by learning & performing additional assignments.


• Understand and respond to the queries raised by stateside analysts / underwriters / approvers.


• Also, learn and contribute towards other core and non-core assignments / ad-hoc projects from time to time as per the business requirement (for example: Spread QC/Approvals, etc.)


• Build and maintain healthy & professional relationship with all the stakeholders
Qualifications/Skills:


• Bachelor's or Master's degree in Finance / Accounting


• Excellent academic track record or few years of experience in credit risk is preferred


• Proficient in the use of Microsoft desktop tools and ability to learn new tools, techniques and applications, as per the business requirements


• Understanding of the financial statements, including ratio analysis, cash flow analysis, and basic accounting concepts


• Attitude and aptitude to learn and enhance knowledge of credit analysis and passion for real estate sector


• Ability to work proactively & independently under short TATs with Deadline orientation and ability to deal with fluctuations in the volume of work and offer flexibility to deal with the same.
• Maintain higher degree of attention to detail and accuracy


• Strong interpersonal skills, ability to build positive relationships with Underwriters, approvers etc. and work in a team environment.

Strong & Effective communication skills - both oral & written; and good linguistic skills to be able to effectively present analysis and interact 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.