JPMorgan Chase India | Credit Sr officer

Responsibilities

• This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.
• As a part of the team, you will be responsible for analyzing commercial loans to prospects/existing customers, collaborating with banking partners, and structuring transactions that are consistent with our company’s policies and procedures.
• The ideal candidate will take ownership of the credit process and possess the ability to multi-task, prioritize deal flow and meet delivery deadlines, while making decisions in the best interest of the customer and organization.
• Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis.
• Completing obligor and facility risk ratings with documented rationale for the final risk grades.
• Proactive ownership of portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics.
• Interacting with clients, virtually or in person, in conjunction with the Banker.
• Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems.
• Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval

Minimum skills, experience, and qualifications

• Effective candidates will possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles.
• Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.
• Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration.
• 3-5 years commercial credit analysis / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market.
• Hands-on experience analyzing commercial loans to franchised auto dealerships, or equivalent, including floor plan lending.
• Superior analytical skills supported by excellent written and verbal communication skills.
• Demonstrated judgment and ability to act decisively.
• Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues.
• Minimum Skills, Experience, and Qualifications

JPMorgan Chase

JPMorgan Chase & Co. is one of the world's largest financial services firms, active in investment banking, commercial banking, asset and wealth management, and payments.

Its Indian global centres support the firm worldwide in finance, accounting, tax, controllership, risk, operations and technology. Typical roles for CAs and CPAs are product control, financial reporting, tax and regulatory reporting.

• Industry: Banking and financial services
• Headquarters: New York, USA
• In India: Corporate and investment banking in Mumbai; global corporate centres in Mumbai, Bengaluru and Hyderabad