About this role
Job title: Credit Risk Associate Bengaluru, Karnataka, India
About the Role JPMorgan Chase is seeking a Credit Risk Associate to independently manage a client portfolio and perform comprehensive credit analysis within the Commercial Banking's Middle Markets team in Bengaluru. The role involves evaluating corporate clients, conducting portfolio management activities, and partnering with North America-based approvers on new-to-bank deals. The position emphasizes using expert judgment to manage risk and collaborate across lines of business.
What You'll Do
- Independently manage own client portfolio - prepare credit analysis on assigned clients - covering macro-overview, industry/sector, business, financials, projections modelling and recommend changes to credit ratings and amendments to facilities.
- Actively work on portfolio management activities such as periodic financial performance diligence, etc.
- Assist in negotiating of the credit terms along with senior credit officers and take lead in finalizing documentation (credit agreements and amendments)
- Support due diligence on capital market transactions for clients.
- Work closely with Approvers/ Senior Credit Officers in North America on new to bank client activities such as evaluating prospects, onboarding new clients and new facilities, actively provide recommendations on deal structuring.
- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Officers, Bankers, Middle Office, etc.
- Engage junior team members in deals for support and review their work.
- Develop strong working knowledge and track clients/sectors related to diversified industries on an on-going basis.
- Ensure governance, reporting and data quality requirements are met and maintained for client and client families.
- Actively support ED/VPs in driving projects at LoB level – trainings, internship, recruitment, etc.