Senior Credit Risk Associate

Role overview

Senior Credit Risk Associate at JP Morgan

Lead in-depth due diligence processes and produce concise credit memos with clear recommendations to support credit decision-making.

Responsibilities

• You will lead due diligence, develop clear credit recommendations, and challenge assumptions through rigorous modeling and downside scenarios.
• You will also help proactively manage exposures across a portfolio of clients and industry sectors.
• You will produce clear credit memos with recommendations, challenge financial modeling assumptions, and develop appropriate downside scenarios.
• You will proactively manage exposure for a portfolio of clients and industry sectors while partnering closely with senior stakeholders across the firm.
• You will also support coaching and development of junior team members through on-the-job guidance and training.
• Build, review, and challenge financial models and underlying assumptions, and develop appropriate downside scenarios based on key conclusions.
• Review and interpret loan and derivatives documentation, including LMA standard and leveraged finance documents and key ISDA/CSA documentation, and prioritize and negotiate key documentation terms.
• Partner with senior stakeholders across coverage teams, product specialists, markets partners (including derivatives sales), capital markets, and mergers and acquisitions teams.
• Liaise regularly with Primary Credit Officers and Senior Credit Officers.
• Manage exposure proactively across a portfolio of clients and industry sectors.
• Apply understanding of firm risk management policies and related interactions with key stakeholders (including regulators and auditors), and coach junior team members through on-the-job development and training.
• Required qualifications, capabilities, and skills: Demonstrate strong analytical and credit skills and judgment, with a hands-on approach to evaluating credit and transaction structure details.
• Demonstrate strong project management skills with end-to-end ownership of work and projects.
• Build credibility and trust with clients, internal business partners, product specialists, and credit officers, and partner effectively with them.
• Coach and develop junior colleagues effectively.
• Operate as a self-starter who is results-driven, able to multitask, and adaptable to shifting priorities in a dynamic workflow environment.
• Bring at least 2+ years of experience in roles requiring relevant credit risk and analytical skills.
• Demonstrate excellent written and verbal communication skills.
• Drive credit due diligence, modeling, and portfolio risk management to support timely credit decisions.

Preferred qualifications and skills

• Preferred qualifications, capabilities, and skills: Have prior experience reviewing and commenting on loan documentation and/or core corporate derivative documentation.

Employment details

• Location: Mumbai [Maharashtra] [India]

Additional role details

• Join a credit risk team where your analysis directly informs high-impact credit decisions.
• You will work closely with senior stakeholders across coverage, product, markets, capital markets, and mergers and acquisitions teams.
• This role offers the opportunity to coach and develop junior team members in a dynamic, fast-paced environment.
• As a Credit Risk Associate within Corporate and Investment Bank Risk , you will lead credit analysis and due diligence to support informed credit decisions.
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