Job Description

:Credit Analyst - Dealer Commercial Services
Mumbai/Bengaluru:
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.The Auto - Dealer Commercial Services (DCS) is part of Consumer and Community Banking Risk. The team specializes in commercial lending and offers floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 500+ franchised retail automobile dealers. Within DCS Risk, you will be part of Credit Analysis and Transformation team partnering with Senior Credit Officers and Credit Executives based in the India and the US for end to end risk-management of dealer commercial portfolio. In this role you are expected to take complete ownership of the credit process, possess ability to multi-task and meet delivery deadlines, thus helping your partners in making decisions in the best interest of the customer and organization.Essential Job Duties and Responsibilities:

• Collaborate with Senior Credit Officers and Credit Executives to manage portfolio activities, such as handling overlines, conducting stock audits, and monitoring covenants.
• Perform comprehensive financial analysis and review dealer financial statements on a monthly basis.
• Utilize various tools to detect and report any early warning signs within the assigned portfolio.
• Exhibit a thorough understanding of the assigned portfolio and propose timely actions to relevant stakeholders as necessary.
• Support senior credit officers in drafting credit approval memos (CAM) for annual renewals or new business opportunities.
• Adhere to assigned deadlines and ensure all documentation meets business and audit requirements.

Minimum Skills, Experience and Qualifications
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.

• 0-3 years' experience in Credit, Audit, Compliance or Risk Management
• Chartered Accountant / MBA Finance or Professional Certification in Finance/Accounting/Risk is preferred.
• Proficiency in Microsoft Word, Excel, and PowerPoint
• Strong written and verbal presentation skills

About Us:JPMorganChase, 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, 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 for more information about requesting an accommodation.About the Team:Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.When it comes to buying a vehicle or refinancing an existing car loan, many customers turn to Chase to help. Our auto lending services are constantly evolving and incorporating the latest technology to help match car buyers with dealers, provide competitive financing options and ease loan management.

JPMorgan Chase