Credit Risk - Wholesale credit (Chase merchant services)- Credit Analyst Chase- Candidate Experience page

3.0 - 7.0 years

0 Lacs

karnataka

On-site

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view. As a Credit Risk - Wholesale credit (Chase merchant services) - Associate within the Chase Merchant Services team, you will be focused on identifying, measuring, limiting, managing, and monitoring credit risk across our businesses. You will be conducting periodic credit reviews of corporate clients to protect the bank from loss and maintain credit risk within acceptable levels of our framework. Utilizing commercial credit skills, you will prepare written financial analysis, Risk Grading, and credit reviews of corporate clients. Independently analyze, or at times work with more senior Credit Officers, to evaluate the risk and complete a periodic credit review of clients within the portfolio. Understand and assess the customer's business model and its viability in the long run. Identify additional information requirements needed to properly assess risks of the transaction. Review and analyze the financial strength and soundness of corporate clients to identify key risks to the continued creditworthiness of the business along with appropriate mitigating factors. Consider alternatives to mitigate risk where appropriate and recommend action to be taken in unfavorable scenarios. Ensure that credit facilities presented are properly graded and meet defined production and quality scores. Timely submission with no High-Risk quality review findings. Meet assigned timelines and ensure process and policy requirements are met per the business and audit requirements. Stay on top of policies, conventions, and follow those diligently. Review completed cases for feedback, act on feedback provided, and timely submissions of reworks. Establish strong partnerships with internal clients, demonstrate client-centric behavior, be aware of client's expectations, challenges while securing the firm's interest. Exercise appropriate diligence with client information and complete ad-hoc work assigned within expected timelines. Required qualifications, capabilities, and skills include a postgraduate or an advanced degree in business management, finance, or accounting, strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills. Ability to formulate and articulate objective views based on professional analysis. Proficiency in Microsoft Office Suite, especially Excel, Word, and PowerPoint. Good organization skills and ability to work within time constraints in a highly regulated environment. Work effectively in a team environment while assuming individual responsibility. Experience as a credit officer, underwriter, or similar position with knowledge of accounting and financial statement analysis requiring credit judgment and knowledge of various business models is desirable. Highly motivated individual with a natural passion to learn and an inquisitive personality. Strong sense of accountability and ownership of tasks. Interest in client interaction with strong verbal and written communication skills. Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time and capable of understanding, describing, and debating complex concepts. Thorough knowledge of credit philosophy, loan documentation, bankruptcy, and related legal issues. Strong attention to detail and an excellent work ethic. Proactive approach, a sense of urgency where appropriate.,

Posted 1 day ago

Apply

Team Lead - Centralized Departmental Audit RiverForest Connections Private Limited

5.0 - 9.0 years

0 Lacs

maharashtra

On-site

As the Audit Team Leader, your main responsibility is to lead the team and conduct audits of centralised departments/functions. You will be in charge of executing the audit calendar and assignments, which includes allocating audits based on expertise and man-days available, monitoring scope and quality of reviews, risk grading, forming opinions, finalising audits, conducting discussions, and closing audits within specified timelines. This also involves visiting branches/units and releasing reports promptly. You will lead the team in conducting audits of departments with centralised/regional operations across various business functions, thematic audits, management audits, spot audits, user acceptance tests, etc. It is essential to conduct audits in compliance with regulatory guidelines, internal policies of the organization, and standard audit procedures. An important aspect of your role is to ensure timely, accurate, concise, and effective documentation of audit reports highlighting exceptions observed during the audit. You will critically review existing processes and procedures in respective areas, identifying areas for improvement to enhance controls and streamline process flows. Additionally, you will provide support during RBI inspections, RBS requirements, ACB reporting, investigations, and serve as a trainer for the Training Committee. Your role also involves tracking and identifying revenue leakages, proposing measures/processes to address them, and ensuring qualitative and effective performance in all audit areas. Assigning risks to audit observations, determining audit ratings for each assignment, recommending process changes when necessary, tracking audit observations, reviewing responses/compliance, updating audit databases, and closing audit files are integral parts of your responsibilities. Lastly, you will lead and guide/groom team members to ensure their effective performance and development within the audit team.,

Posted 1 week ago

Apply

Start Your Job Search Today

Browse through a variety of job opportunities tailored to your skills and preferences. Filter by location, experience, salary, and more to find your perfect fit.