Responsibilities:

- Support portfolio Managers – Extensive and in-depth portfolio monitoring; Prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.

- Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc.

- Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.

- Develop sound knowledge of Commercial Real Estate and Affordable Housing sectors in North America; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers.

- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers, Bankers, etc.

- Contribute to various firm-wide projects focused on improving efficiencies,



streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc.

- Ad-hoc projects as necessary.

Qualifications: MBAs (with Finance specialization) / CA

- 0-3 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

- Positive knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation

- 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 AI 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

Location: Bengaluru

Work timing: Starts at 1:00 p.m. IST to provide overlap with the US counterparts

📌 Associate - Credit Risk (Bengaluru)
🏢 JPMC
📍 Bengaluru