Credit Risk Analyst

The Analyst position is in the WCR South Asia corporate team which covers Indian corporate clients across a broad range of industries. The role is based in Mumbai.

The WCR team works closely with business partners across the region in J.P. Morgan's Corporate & Investment Bank (CIB) and Commercial Bank (CB). Business Partners include Global Corporate Bank (GCB), Debt Capital Markets, M&A, Markets, Treasury Services and Trade Finance. Given the broad sector and client base covered, the team is focused on performing credit analysis on clients as well as structuring and documenting a wide variety of credit products.

Key Products Include

Acquisition debt financings and Leveraged buy outs;

Bonds (and bridges thereto);

Syndicated and bilateral loans;

Corporate derivatives (e.g. FX, interest rate, commodities etc);

Trade finance including LCs, BGs, supply chain finance;

Treasury service products including cash management.

Working capital products

Roles And Responsibilities
• The candidate would be expected to conduct in-depth due diligence processes and to coordinate and produce concise and insightful credit memos with rating and recommendations.
• Track portfolio clients/sectors on a continuous basis and update key stakeholders on material developments w.r.t. their clients/ industry and potential ratings impact
• Prepare annual credit reviews for clients in the assigned portfolio (covering macro overview, industry/sector, regulatory, competitor, business and financial analysis) and recommend any changes required in risk ratings and credit facilities
• Contribute to new transactions in terms of credit analysis, financial modelling, client due diligence, discussions with business stakeholders and accurate setup of client facilities in risk systems
• Monitoring, investigating and escalating risk metrics associated with client activity, including exposure control, covenants tracking, and collateral
• Actively contribute in legal entity matters concerning Credit risk deliverables
• Working on ad hoc team projects
• Build relationships and maintain open communication with credit risk colleagues, Operations, Legal, Middle Office and other stakeholders

Qualifications
• MBA from top tier B-school or professional qualification in accountancy

Skills And Experience
• Excellent academic track record; strong finance and analytical skills
• Preferably upto 2 years of credit / research experience
• Understanding of Corporate finance concept is desirable
• Robust understanding of Financial Statements including Ratio Analysis, Cash Flow Analysis, Accounting