Wholesale Credit(Business Banking)- Associate (Credit Officer)

As a Wholesale Credit (Business Banking) Associate (Credit Officer) at JPMorgan Chase in Bengaluru, India, you play a crucial role in the Risk Management and Compliance department. Your primary responsibility is to contribute to the firm's sustainable growth by proactively identifying and addressing potential risks. You leverage your expertise to tackle real-world challenges that have an impact on the company, its customers, and the communities it serves. The culture within Risk Management and Compliance encourages innovative thinking, challenges the conventional norms, and aims to achieve excellence. In the role of Credit Officer, your focus is on fostering the growth of the business loan portfolio while safeguarding the bank against potential losses and maintaining a high standard of asset quality. Your duties involve evaluating credit applications for recommendation, independently analyzing risks associated with new transactions, and collaborating with senior colleagues when necessary to assess risk levels. You are tasked with identifying additional information requirements essential for a thorough risk assessment, understanding the customer's business model and its long-term viability, and evaluating the financial strength of customers to pinpoint key risks to their creditworthiness. Furthermore, you are expected to consider alternative credit structures to mitigate risks effectively, make recommendations on credit-related actions, identify critical risks and information needs, ensure the accurate grading of credit facilities, meet designated timelines, and ensure compliance with documentation standards as per business and audit regulations. While you typically work independently with minimal supervision, you also act as a valuable resource for junior Credit Officers, providing guidance and support as needed. To excel in this role, you should possess a minimum of 5-7 years of experience as a credit underwriter or in a similar position that demands business acumen and credit analysis skills. A postgraduate or advanced degree in business management, finance, or accounting is required. You must demonstrate the ability to develop and communicate objective viewpoints based on professional analysis, have a comprehensive understanding of credit philosophy, risk guidelines, loan documentation, bankruptcy, and relevant legal matters. Strong verbal, written, and interpersonal communication skills, coupled with sound analytical and problems-solving abilities, are essential for success in this role. Additionally, you should exhibit good organizational skills, the capacity to work under time constraints in a heavily regulated industry, and the ability to collaborate effectively within a team environment while taking individual accountability and assisting in the growth of junior analysts.,