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.
Join the Commercial Real Estate (CRE) team within Community Development Banking (CDB), part of Commercial Banking at JPMorganChase. In this role, you will support the credit management of a portfolio of CDB clients through disciplined underwriting, ongoing monitoring, and portfolio analytics across the business cycle. You will work in a collaborative environment that emphasizes continuous learning, development, and strong stakeholder partnership.
Job Responsibilities:
- Manage own client portfolio – Extensive and in-depth portfolio monitoring; Independently prepare credit risk analysis reports on assigned clients (business & financial analysis and focusing on credit issues). Recommend rating grades based on analysis for the clients and facilities/exposures.
- Actively work on portfolio management activities such as annual reviews, periodic financial performance diligence for stressed loans, monitoring loans for covenants and adherence to credit terms, regulatory reporting, etc.
- Build strong knowledge of the existing clients (including loan documentation for their facilities); regularly track sector and regulatory developments on an on-going basis; continuously monitor the client portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
- Develop strong expertise in Commercial Real Estate and Affordable Housing sectors in North America; as well as understand/ keep yourself regularly updated on the overall Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines, Systems required to perform Credit Analysis of CDB Borrowers.
- Build strong relationships and maintain open communication with colleagues from various Lines of Business including Credit Approvers, Credit Officers, Bankers, etc.
- Mentor and train junior analysts in the team on fundamentals of credit risk analysis, internal systems & processes; and supervise/ review their work.
- Contribute to various firm-wide projects focused on improving efficiencies, streamlining processes, risk technology, enhancing risk reporting, regulatory compliance, etc.
- Ad-hoc projects as necessary.
Required Qualifications:
- MBAs (with Finance specialization) / CA
- 4-10 years of experience in credit risk; experience in real estate sector is preferred.
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Strong understanding of corporate finance and financial statements, including ratio analysis, cash flow analysis, and basic accounting principles.
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Good knowledge of various banking facilities/products (such as term loans, counterparty lines, etc.) and their documentation.
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Attitude and aptitude to learn and enhance knowledge of credit risk analysis, and passion for real estate sector.
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Deadline orientation; strong attention to detail and high accuracy.
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Proficient in the use of Microsoft desktop tools (MS Word, Excel and Power Point) and ability to learn AI tools, techniques and applications.
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Ability to work proactively & independently, as well as in a team environment.
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Strong & Effective communication skills – both verbal & written; and good interpersonal skills to be able to effectively present analysis and build strong relationships with stakeholders at various hierarchies.
- Work timing: Starts at 1:00 p.m. IST to provide overlap with the US counterparts.