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 proud history of innovation and client focus. The Credit Support Specialist 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 and ensuring compliance with credit agreement terms for a diverse portfolio of institutional and corporate clients. This involves meticulous review of financial covenants, borrower performance, and risk indicators to mitigate potential exposures in a dynamic global market. As part of our Corporate & Investment Bank division, you will contribute to maintaining the high standards of risk management that define JP Morgan Chase's reputation in the financial services industry. Your day-to-day responsibilities will include conducting in-depth analyses of financial statements, monitoring key ratios, and identifying any deviations from agreed terms. You will collaborate closely with cross-functional teams, including credit officers, legal experts, and relationship managers, to address issues proactively and support informed decision-making. Utilizing advanced tools and JP Morgan's proprietary platforms, you will generate insightful reports and analytics that drive portfolio oversight. This role demands a keen eye for detail and a solid grasp of banking regulations, such as those under RBI guidelines in India and international standards like Basel III, ensuring our lending activities align with both client needs and regulatory expectations. We value professionals who thrive in a collaborative, high-performance environment and are committed to continuous learning. Joining JP Morgan Chase in Bengaluru offers exposure to world-class financial operations and opportunities for career growth within one of the largest banks globally. If you have a passion for credit risk and compliance, this position provides a platform to make a meaningful impact on our lending services while advancing your expertise in the financial sector.

Key Responsibilities

• Assess and monitor compliance with credit agreement terms for an assigned portfolio of corporate and institutional clients
• Conduct regular reviews of borrower financial statements, covenants, and performance metrics 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 breaches, and remediation plans for senior management
• Utilize JP Morgan's proprietary systems to track loan performance and generate compliance analytics
• Ensure adherence to internal policies, regulatory standards, and industry best practices in lending services
• Support portfolio stress testing and scenario analysis to evaluate creditworthiness under varying economic conditions
• Assist in the negotiation and documentation of credit amendments or waivers as needed
• Contribute to process improvements in credit support operations to enhance efficiency and accuracy
• Maintain accurate records and documentation for audit and regulatory purposes

Required Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• Minimum of 2-3 years of experience in credit analysis, lending services, or compliance in 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 a portfolio of accounts
• 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 at a major bank
• Certification such as CFA, FRM, or CPA
• Prior exposure to JP Morgan Chase systems or similar banking platforms
• Familiarity with Basel III regulations and credit risk management frameworks

Required Skills

• Credit analysis and financial statement review
• Knowledge of loan covenants and credit agreements
• Proficiency in Microsoft Excel and financial modeling
• Experience with banking software like Loan IQ or similar
• Regulatory compliance and risk assessment
• Analytical thinking and problem-solving
• Attention to detail and accuracy in reporting
• Strong communication and stakeholder collaboration
• Time management and prioritization in a fast-paced environment
• Understanding of financial markets and economic indicators
• Data interpretation and visualization skills
• Teamwork and interpersonal abilities
• Adaptability to changing regulatory landscapes
• Basic knowledge of SQL for data querying
• Ethical judgment in handling sensitive financial information

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with generous company matching contributions
• Paid time off including vacation, sick leave, and parental leave
• Professional development programs and tuition reimbursement for relevant certifications
• Employee wellness initiatives, including gym memberships and mental health support
• Flexible work arrangements and hybrid work options in Bengaluru
• Global mobility opportunities within JP Morgan Chase's international network

JP Morgan Chase is an equal opportunity employer.