Credit Underwriting Associate

**JOB DESCRIPTION**
Do you have a keen interest and demonstrable experience in credit underwriting with an emphasis on client portfolios risk analysis, with expertise in the financial industry? If yes, then you have found the right role.

As a Credit Risk Analyst within underwriting team, you will be responsible for credit risk analysis of our clients including preparing detailed analysis on the risk which includes financial analysis, LGD calculation, country risk analysis, collateral analysis and legal framework.

Our business model focuses on deep client relationships through an integrated team structure with a platform of depth and breadth. We provide tailored investment, credit and wealth advisory solutions to High Net Worth and Ultra High Net Worth clients, and managing risk appropriately is a key priority for the Wealth Management. The Credit Analyst team is a core part of the Wealth Management Credit Risk Management organization and is integral to our ability to meet the growing needs of the business in a prudent manner.

**Job Responsibility**
- Perform Collateral analysis and recommend Loss Given Defaults (LGDs) using the appropriate systems.
- Partner with Credit Executives for portfolio reviews, risk exceptions and approval of annual credit reviews
- Partner with Lines of Business to keep credit portfolio current on key risk metrics and facilitate new transactions on the assigned portfolio of clients.
- Document covenants and special monitoring requirements
- Monitor exception reports (Unlinked, Ungraded, Overlimits, Overdrafts, Past Dues, etc.)

**Required qualifications, capabilities, and skills**
- Aptitude for numbers; non-business majors must demonstrate quantitative competence both academically and practically
- Strong knowledge of Microsoft Office products (Word, Excel, PowerPoint)
- Excellent communicator with strong interpersonal and presentation skills
- Working knowledge of accounting rules/ financial statements
- Knowledge of legal documentation, policy, and loan/credit operations a plus
- Experience within legal, credit administration, operations, or support group within the Financial Services
- Proficient in English

**ABOUT US**

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

**ABOUT THE TEAM**

J.P. Morgan Asset & Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.