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Commercial Bank - Credit Risk - Bangalore

3.00 to 4.00 Years   Bangalore   22 Oct, 2021
JPMorgan
Job LocationBangalore
EducationNot Mentioned
SalaryNot Disclosed
IndustryBanking / Financial Services
Functional AreaOperations Management / Process Analysis
EmploymentTypeFull-time

Job Description

CB Risk IndiaAbout CB Risk India: The CB Risk India team is part of the Credit Risk function for Commercial Bank (CB) at J.P. Morgan. CB Risk India works closely with the in-country Bankers and Credit Executives and provides them with in-depth credit risk analysis of clients; as well as recommendations on risk grades. CB Risk India was set up in Nov 2016 and covers wholesale customers of the Commercial Bank in North America.Role:Associate for conducting Corporate Credit Analysis, covenant monitoring and collateral related analysis for Asset Backed Lending ( ABL ) clients in North America - Commercial Banking Division. Location: BangaloreResponsibilities:

  • Prepare credit risk analysis reports on assigned portfolio of clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.
  • Covenant tracking - Spread income statement, balance sheet and cash flow on a monthly/quarterly basis for the purpose of calculating various ratios like fixed charge coverage ratio, minimum liquidity availability figures, leverage ratio etc. and checking for compliance with agreed covenant ratios
  • Provide end to end support on allocated client portfolio to the Credit Risk Manager ( CRM ) in the US including interims, pricing change, covenant failures, renewals, amendments, new money transactions, credit approval memos etc.
  • Summarize Field exam results and also provide CRM comments on the exam findings. Work with onshore to finalize ABL risk comments on the field exam.
  • Summarize Inventory appraisal findings as part of the annual review process.
  • Detailed Borrowing base analysis and analyze collateral related metrics (month on month) on the allocated portfolio of clients
  • Complete projections modelling for portfolio clients for refinancing/ amendments/ transactions (as needed)
  • Partner with CRM s/ UW s Stateside and join client calls for amendments, renewals and new client onboardings etc.
  • Evolve in ABL Portfolio Management and Work with Underwriters in the US to onboard clients by preparing detailed credit risk memos and complete 270 modelling projections
  • Contribute actively to portfolio analytics projects which are run by CB Risk India ABL team like Collateral Analytics and feedback on system changes
  • Train/ mentor juniors after getting sufficient ABL experience
  • Develop and maintain open communication channels with bankers in North America. Independently handle all calls/rating/spreads discussions with Underwriters
  • Contribute actively for ideation on process improvement and improved analytics
  • Take up Adhoc requests from Stateside for analysis related to credit events like bankruptcy, due diligence questions, client specific charts for financial analysis etc.
  • Develop understanding of various techniques and methods of credit analysis, accounting treatments, financial adjustments etc.
Qualifications: - MBAs (with Finance specialization) / CAs
  • Excellent academic record
  • Strong understanding of accounting and finance concepts
  • Strong analytical skills and keen attention-to-detail
  • Deadline oriented, organized, and responsible
  • Ability to work independently as well as in a team environment
  • Strong communication skills - oral and written
  • Proficient in the use of MS Word, Excel and Power Point
  • 3 years of Credit related work experience is a must
  • Credit approval and modelling experience would be preferred (not a must)
,

Keyskills :
credit risk analysisasset backed lendingcash flowcredit riskbalance sheetdue diligencerisk analysiscredit analysiscredit approvalcorporate creditanalysis reportsanalytical skillsfinancial analysiscommercial banking

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