Associate Wholesale Credit (Business Banking)- Bengaluru -2026 ReEntry Program

As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

Credit Sr. Officer - The purpose of this position is to facilitate business loan portfolio growth and protect the bank from loss while maintaining acceptable asset quality. The officer evaluates credit applications for recommendation.

• Independently analyzes and evaluate the risk of adding a particular transaction to the bank's loan portfolio.
• Identify additional information requirements needed to properly assess risks of the transaction.
• Understand and assess the customer's business model and its viability in the long run.
• Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business.
• Considers alternative credit structures to mitigate risk where appropriate.
• Recommend action to be taken on credit, identifies key risks and information requirements.
• Ensure that credit facilities presented are properly graded.
• Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.
• Work independently with limited supervision. Serves as a resource for less experienced Credit Officers.
• Personally develop and maintain strong working relationships with Stakeholders.
• Lead/ independently handle the business-critical projects.
• Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same.
• Develop critical thinking, gain new insights and thinking out of the box to improve on the delivery of services to our stakeholders.
• Assume ownership of the allocated work.

Minimum Skills, Experience and Qualifications

• 10 plus years experience as a credit underwriter or similar position requiring business knowledge and credit judgment.
• Postgraduate or an advanced degree in business management, finance or accounting.
• Ability to formulate and articulate objective views based on professional analysis.
• Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.
• Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
• Good organization skills and ability to work within time constraints in a highly regulated industry.
• Works effectively in a team environment, while assuming individual responsibility and helping develop the junior level analysts.