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JPMorganChase

Credit Support - Operations Analyst

Posted 6 Days Ago
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Hybrid
Bengaluru, Karnataka
Entry level
Hybrid
Bengaluru, Karnataka
Entry level
The Credit Support Specialist IV role involves assessing borrower compliance with credit agreements, analyzing credit risks, managing time effectively, and ensuring accurate reporting of credit terms and covenants for a designated portfolio.
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Job Description
Are you looking for an opportunity where you can develop your skills and be part of a growing dynamic team?
As a Credit Support Specialist IV within JPMorganChase, you will play a pivotal role in maintaining the integrity of our credit portfolio. Your primary responsibility is to assess borrower compliance with credit agreement terms, ensuring adherence to the stipulated conditions. You'll use your understanding of financial covenants to identify potential defaults, focusing on syndicated loans and bilateral agreements. Guided by established routines and procedures, you'll apply critical thinking to semi-routine tasks, escalating non-routine issues to senior team members. Additionally, you'll leverage your skills in conflict management, emotional intelligence, and stakeholder management to facilitate discussions and create collaborative solutions, while managing time effectively to deliver courteous and effective service to our clients.
Job responsibilities
  • Assess compliance with credit agreement terms for a designated portfolio of borrowers, identifying potential defaults and breaches of covenants.
  • Interpret financial and other covenants in credit agreements, ensuring accurate setup of relevant parties in the bank's system of record.
  • Conduct credit analysis and monitor ongoing compliance with financial covenants, applying critical thinking to identify potential risks.
  • Calculate cash flow and leverage ratios according to credit agreement terms, ensuring accuracy.
  • Manage time effectively to adhere to quality control standards and service level agreements, ensuring timely task completion.

Required qualifications, capabilities, and skills
  • Foundational understanding of credit agreement terms and financial covenants, with the capability to interpret and apply them effectively in various contexts.
  • Strong ability to perform tasks accurately by adhering to well-defined policies, procedures, and techniques, ensuring precision and reliability.
  • Developing proficiency in conflict management and active listening, facilitating discussions to achieve collaborative solutions and effective information gathering.
  • Baseline skills in time management and organization, efficiently handling multiple tasks to achieve goals and maximize productivity.

Preferred qualifications, capabilities, and skills
  • Foundational capability in driving continuous improvement and process automation, optimizing lending workflows and enhancing efficiency.
  • Basic proficiency in digital literacy, supporting the effective use of technology in lending services.
  • Initial skills in creating quantitative reports to track lending performance and support strategic planning with data-driven insights.
  • Foundational experience in leading project management efforts, ensuring successful execution of lending service initiatives.

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
About the Team
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

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