Credit Support Specialist

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 rich history of innovation and client-focused solutions. The Credit Support Specialist role within our Lending Services team in Bengaluru, Karnataka, India, plays a pivotal part in ensuring the integrity and compliance of our extensive credit portfolios. Reporting to the Credit Operations Manager, you will be responsible for assessing adherence to credit agreement terms for a diverse portfolio of corporate loans, syndicated facilities, and institutional financing arrangements. This position demands a keen eye for detail and a deep understanding of financial risk, contributing directly to the firm's commitment to robust risk management and regulatory excellence in the dynamic Indian and global markets. Your core responsibilities will include conducting in-depth reviews of borrower financials, monitoring covenant compliance, and identifying potential breaches that could impact portfolio performance. Leveraging JP Morgan's advanced technology platforms, you will analyze data trends, prepare insightful reports, and collaborate with cross-functional teams including credit risk analysts, legal experts, and client relationship managers to mitigate risks proactively. In this role, you will also support the execution of credit amendments, renewals, and workouts, ensuring all activities align with internal policies and external regulations such as those from the Reserve Bank of India (RBI) and international standards like IFRS 9. This is an opportunity to work on high-stakes transactions that support major corporations and contribute to JP Morgan's leadership in commercial banking. We value professionals who thrive in a collaborative, high-performance culture and are passionate about the financial services industry. As a Credit Support Specialist, you will benefit from JP Morgan's world-class training programs, exposure to global best practices, and a supportive environment that fosters career growth. If you have a solid foundation in credit analysis and a drive to uphold the highest standards of compliance, join us in Bengaluru to help shape the future of lending services at one of the world's most admired financial institutions.

Key Responsibilities

• Assess and monitor compliance with credit agreement terms for an assigned portfolio of corporate and institutional clients
• Conduct thorough reviews of financial statements, covenants, and collateral requirements to identify potential risks
• Collaborate with relationship managers, legal teams, and risk officers to resolve compliance issues and recommend actions
• Prepare detailed reports on portfolio health, covenant compliance, and early warning indicators for senior management
• Utilize JP Morgan's proprietary tools to track loan performance and generate compliance alerts
• Support the development and implementation of credit policies aligned with regulatory standards
• Assist in due diligence processes for new credit facilities and amendments to existing agreements
• Ensure adherence to internal controls, AML/KYC requirements, and global banking regulations
• Contribute to team initiatives for process improvements in credit support operations
• Maintain accurate documentation and records in compliance with audit and regulatory demands

Required Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• Minimum of 2-3 years of experience in credit analysis, compliance, or lending services within the financial services industry
• Strong understanding of credit agreements, loan documentation, and regulatory requirements in banking
• Proficiency in financial modeling and analysis tools
• Excellent attention to detail and analytical mindset
• Ability to work independently and manage multiple priorities in a fast-paced environment
• Fluency in English; knowledge of local Indian financial regulations is advantageous

Preferred Qualifications

• Advanced degree (MBA or equivalent) in Finance or related discipline
• Experience working with syndicated loans or large corporate credit portfolios
• Familiarity with JP Morgan Chase's internal systems and credit risk frameworks
• Certification in credit analysis (e.g., CFA Level 1 or equivalent)
• Prior exposure to international banking operations and cross-border compliance

Required Skills

• Credit analysis and financial statement review
• Knowledge of loan covenants and credit agreements
• Regulatory compliance in banking (e.g., RBI guidelines, Basel norms)
• Proficiency in Microsoft Excel and financial modeling
• Experience with data analytics tools like SQL or Tableau
• Strong written and verbal communication skills
• Attention to detail and problem-solving abilities
• Risk assessment and mitigation techniques
• Team collaboration and stakeholder management
• Time management in high-volume environments
• Understanding of corporate finance principles
• Adaptability to evolving financial regulations
• Analytical thinking for complex data interpretation
• Ethical decision-making in compliance scenarios
• Basic project management skills for portfolio oversight

Benefits

• Competitive base salary and performance-based bonuses aligned with JP Morgan's compensation philosophy
• Comprehensive health insurance coverage including medical, dental, and vision for employees and dependents
• Retirement savings plan with employer 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 learning programs and tuition reimbursement
• Employee wellness programs featuring fitness reimbursements and mental health support
• Flexible work arrangements, including hybrid options for work-life balance in Bengaluru
• Global mobility programs and career advancement paths within JP Morgan Chase's international network

JP Morgan Chase is an equal opportunity employer.