Company Name:-
JPMorgan Chase Bank, N.A.

Job Location:-
Mumbai, Maharashtra

Job Summary:-
Wealth Management – Credit Risk Analyst
Wealth Management (WM) provides advice, strategies and solutions for all aspects of the financial, asset management and wealth transfer needs of high net worth and ultra-high net worth clients.

WM is dedicated to delivering an outstanding client experience by providing unbiased advice and individual solutions.

Credit Risk assesses, permissions and manages credit and counterparty risks on an industry, client, geographic and transaction basis.

Credit risk is the risk of loss arising from the default of a client or counterparty.

The Credit Risk function identifies, measures, limits, manages and monitors credit risk across our businesses.

Credit exposure arises through underwriting, lending and trading activities with and for clients and counterparties, as well as from a range of operating services such as cash management and clearing activities.

Responsibilities:
Evaluate WM consumer and business purpose credit requests utilizing applicable Credit Risk Policies and Guidelines.

Analyze individual and business/entity financial statements, public information sources, individual credit reports, and other relevant information to calculate cash flow and balance sheet ratios.

Utilize these ratios and evaluate other qualitative factors to determine a client’s risk of default following J.

P.

Morgan Wholesale Risk Grading Methodology to comply with Basel III standards for regulatory risk grading requirements.

Complete an analysis of the collateral and/or loan covenants/ events of default to determine the potential loss in a default situation.

Independently identify and clearly articulate risks and mitigating factors that could impact the client’s ability to repay the loan.

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