Credit Support Associate I

Location: Metro Manila, National Capital Region, Philippines

Job Family: Lending Services

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a strong presence in the Philippines, committed to providing innovative lending solutions to our clients. The Credit Support Associate I role within our Lending Services team in Metro Manila plays a crucial part in ensuring the integrity of our credit portfolios. In this position, you will analyze and interpret financial data and covenant requirements to determine borrowers' adherence to credit agreement terms, helping to mitigate risks and support sustainable lending practices. This role offers an opportunity to contribute to high-impact projects in a dynamic environment, leveraging JPMorgan Chase's world-class resources and expertise in commercial banking. Your day-to-day responsibilities will involve reviewing financial statements, monitoring key covenants, and preparing compliance reports that inform lending decisions. You will work closely with relationship managers, risk teams, and compliance officers to identify potential issues early and recommend proactive measures. By utilizing advanced analytical tools and collaborating across global teams, you will help maintain the high standards of risk management that define JPMorgan Chase. This position is ideal for detail-oriented professionals passionate about finance and eager to grow within one of the world's most respected financial institutions. We value diversity and inclusion at JPMorgan Chase, fostering a culture where every team member can thrive. As a Credit Support Associate I, you will receive comprehensive training, mentorship, and opportunities for career progression in areas like credit risk, portfolio management, and beyond. Join us in Metro Manila to be part of a team that drives financial excellence and supports economic growth in the region.

Key Responsibilities

• Analyze financial statements and performance metrics to evaluate borrower compliance with credit agreements
• Monitor and interpret covenants, identifying any breaches or potential risks
• Prepare detailed reports on covenant adherence and recommend actions for non-compliance
• Collaborate with lending teams to ensure accurate documentation and risk assessment
• Conduct periodic reviews of borrower portfolios to maintain portfolio health
• Utilize financial modeling tools to forecast adherence and support decision-making
• Liaise with internal stakeholders and external borrowers to resolve compliance issues
• Maintain up-to-date knowledge of regulatory changes impacting credit support
• Assist in the development of credit support processes and procedures
• Contribute to team goals by providing insights on credit trends and borrower behaviors

Required Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• At least 1-2 years of experience in credit analysis, financial services, or lending operations
• Strong understanding of financial statements, covenants, and credit agreements
• Proficiency in Microsoft Office Suite, particularly Excel for data analysis
• Excellent attention to detail and analytical mindset
• Ability to work in a fast-paced, team-oriented environment
• Fluency in English, both written and verbal

Preferred Qualifications

• Experience in the banking or financial services industry, preferably with multinational firms
• Knowledge of regulatory requirements in the Philippines and international lending standards
• Familiarity with credit risk management tools or software like Moody's or Bloomberg
• Certification in finance such as CFA Level 1 or CPA
• Prior exposure to covenant monitoring and borrower compliance in commercial lending

Required Skills

• Financial analysis and interpretation
• Covenant monitoring and compliance
• Attention to detail
• Analytical thinking
• Proficiency in Excel and financial modeling
• Risk assessment
• Communication skills (written and verbal)
• Problem-solving
• Team collaboration
• Time management
• Knowledge of banking regulations
• Data interpretation
• Report writing
• Adaptability to regulatory changes
• Customer service orientation for borrower interactions

Benefits

• Competitive base salary and performance-based bonuses
• Comprehensive health and wellness benefits, including medical, dental, and vision coverage
• Retirement savings plan with company matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development opportunities through JPMorgan Chase's learning programs
• Employee assistance programs for mental health and financial well-being
• Flexible work arrangements and hybrid options in Metro Manila
• Access to global mobility programs and career advancement within the firm

JP Morgan Chase is an equal opportunity employer.