Credit Support Specialist IV

Location: Metro Manila, National Capital Region, Philippines

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 IV role within our Lending Services team in Metro Manila, Philippines, plays a critical part in supporting the Commercial and Investment Bank by delivering high-quality financial analysis. This position involves meticulously analyzing and spreading financial statements for a diverse portfolio of clients, ensuring that our bankers have reliable data to make sound lending and investment decisions. As part of a dynamic global team, you will contribute to maintaining the integrity of our credit processes in a fast-paced environment that values precision and collaboration. Key responsibilities include reviewing balance sheets, income statements, and cash flow data to identify trends, ratios, and potential risks, while utilizing advanced tools to spread information accurately. You will work closely with credit officers and relationship managers, providing actionable insights that support risk management and portfolio growth. Compliance with internal policies and external regulations, such as those from the Bangko Sentral ng Pilipinas and international standards, is paramount, and you will help ensure our operations uphold JP Morgan Chase's commitment to ethical banking practices. This role offers an opportunity to grow within one of the world's most respected financial institutions, where your expertise in financial services can drive real impact. Ideal candidates are detail-oriented professionals passionate about the intersection of finance and technology, ready to thrive in a supportive culture that emphasizes work-life balance and continuous learning. Join us in shaping the future of global finance from the heart of Metro Manila.

Key Responsibilities

• Analyze and spread financial statements for Commercial and Investment Bank clients, ensuring accuracy and completeness of data
• Review and interpret complex financial documents, identifying key ratios, trends, and potential risks
• Collaborate with credit analysts and relationship managers to provide insights on client financial health
• Maintain and update financial databases, ensuring compliance with JP Morgan Chase's internal standards and regulatory requirements
• Perform quality checks on spread data to minimize errors and support informed lending decisions
• Assist in preparing credit memos and reports for senior management and risk committees
• Monitor client financial performance and flag any material changes or anomalies
• Support ad-hoc projects related to credit portfolio management and process improvements
• Ensure adherence to anti-money laundering (AML) and know-your-customer (KYC) protocols in all analyses
• Contribute to team training and knowledge sharing on financial spreading best practices

Required Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field
• Minimum of 5 years of experience in financial analysis, credit support, or lending services within the banking or financial services industry
• Proficiency in analyzing financial statements, including balance sheets, income statements, and cash flow statements
• Strong understanding of commercial and investment banking products and client financial structures
• Experience with financial spreading software or tools such as Moody's Analytics or similar platforms
• Ability to work in a fast-paced, high-volume environment with strict deadlines
• Fluency in English, both written and verbal

Preferred Qualifications

• Advanced certification such as CFA (Chartered Financial Analyst) or CPA (Certified Public Accountant)
• Prior experience working with JP Morgan Chase or a similar global financial institution
• Knowledge of Philippine financial regulations and international banking standards (e.g., Basel III)
• Familiarity with data analytics tools like Excel, SQL, or Python for financial modeling
• Experience in supporting credit risk assessment for commercial and investment banking clients

Required Skills

• Financial statement analysis
• Credit risk assessment
• Data spreading and modeling
• Proficiency in Microsoft Excel (advanced functions, pivot tables)
• Knowledge of accounting principles (GAAP/IFRS)
• Attention to detail and accuracy
• Analytical thinking and problem-solving
• Time management and prioritization
• Communication skills (verbal and written)
• Team collaboration and stakeholder management
• Regulatory compliance awareness
• Basic SQL or database querying
• Risk identification and mitigation
• Adaptability to changing financial markets
• Ethical judgment in handling sensitive financial data

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with company matching contributions
• Paid time off, including vacation, sick leave, and parental leave
• Professional development opportunities, including tuition reimbursement and access to JP Morgan's learning platforms
• Employee stock purchase plan and financial wellness programs
• Flexible work arrangements and wellness initiatives, such as gym memberships and mental health support
• Global mobility programs and career advancement opportunities within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.