Description
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 solid 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
- Good 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 credi

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