Credit Support Analyst

Location: Bengaluru, Karnataka, India

Job Family: Lending Services

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client-focused solutions. The Credit Support Analyst role within our Lending Services team in Bengaluru, Karnataka, India, plays a critical part in safeguarding the integrity of our corporate lending portfolio. In this position, you will be responsible for assessing compliance with credit agreement terms, monitoring financial covenants, and ensuring that our clients adhere to the agreed-upon conditions. This involves rigorous analysis of financial data, identification of potential risks, and proactive communication with internal stakeholders to mitigate issues before they escalate. As part of a dynamic team in one of India's key financial hubs, you will contribute to high-profile transactions that support global businesses, leveraging JP Morgan's vast resources and expertise in commercial banking. Your day-to-day responsibilities will include reviewing borrower financials, performing covenant compliance tests, and generating insightful reports that inform credit decisions. You will collaborate closely with relationship managers, risk analysts, and legal experts to maintain the highest standards of compliance and risk management. In the fast-evolving financial services landscape, this role demands a keen eye for detail and the ability to navigate complex regulatory environments, including those specific to the Indian market and international standards. By joining JP Morgan Chase, you will have the opportunity to work on diverse portfolios spanning industries like manufacturing, technology, and infrastructure, gaining exposure to sophisticated lending structures and syndicated facilities. We value professionals who thrive in a collaborative, high-performance culture and are committed to continuous learning. This position offers not only professional growth through mentorship and training but also the chance to impact JP Morgan's global lending strategy from our state-of-the-art Bengaluru office. If you are passionate about financial analysis and excited to contribute to a firm that sets the benchmark in the industry, we encourage you to apply and help shape the future of lending services at JP Morgan Chase.

Key Responsibilities

• Assess and monitor compliance with credit agreement terms and covenants for an assigned portfolio of corporate clients
• Conduct detailed reviews of financial statements, ratios, and performance metrics to identify potential risks
• Prepare and distribute compliance reports, alerts, and recommendations to senior management and stakeholders
• Collaborate with relationship managers, legal teams, and risk officers to resolve covenant breaches or issues
• Perform stress testing and scenario analysis on portfolio exposures to ensure adherence to risk limits
• Maintain accurate documentation and records in line with JP Morgan Chase's internal policies and regulatory standards
• Support portfolio management by providing insights on credit quality and early warning indicators
• Participate in credit committee meetings and contribute to decision-making processes
• Stay updated on industry trends, regulatory changes, and internal policies affecting lending services
• Assist in training junior team members and process improvements within the Bengaluru team

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• Minimum of 2-3 years of experience in credit analysis, risk management, or lending services within the financial services industry
• Strong understanding of credit agreements, covenants, and regulatory compliance requirements
• Proficiency in financial modeling and analysis using tools like Excel
• Excellent analytical and problem-solving skills
• Ability to work in a fast-paced, team-oriented environment
• Fluency in English, both written and verbal

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications like CFA or FRM
• Experience with syndicated loans or large corporate credit portfolios
• Knowledge of Indian financial regulations and international banking standards
• Prior exposure to JP Morgan Chase systems or similar banking platforms
• Demonstrated experience in portfolio monitoring and reporting

Required Skills

• Financial analysis and modeling
• Credit risk assessment
• Knowledge of banking regulations
• Proficiency in Microsoft Excel and financial software
• Attention to detail
• Analytical thinking
• Problem-solving abilities
• Strong communication skills
• Team collaboration
• Time management
• Report writing and presentation
• Understanding of corporate finance
• Data interpretation
• Risk identification
• Adaptability to regulatory changes

Benefits

• Competitive base salary and performance-based bonuses aligned with JP Morgan Chase's compensation structure
• Comprehensive health insurance coverage including medical, dental, and vision plans for employees and dependents
• Retirement savings plan with company matching contributions to support long-term financial security
• Generous paid time off, including vacation, sick leave, and parental leave policies
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee wellness programs, including gym memberships, mental health support, and fitness challenges
• Flexible work arrangements, including hybrid options for the Bengaluru location
• Global mobility programs and career advancement paths within JP Morgan Chase's international network

JP Morgan Chase is an equal opportunity employer.