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Credit Risk Analyst - Team lead
JPMorgan Chase, Bengaluru, Any
You are a strategic thinker passionate about driving solutions. You have found the right team. As a Credit Risk Analyst - Team Lead in the JPMorgan Wealth Management Domestic credit business, you will be a strategic thinker passionate about promoting solutions. You will work directly with Lending Specialists, Analysts, Underwriters, and Credit Officers throughout the credit approval process, ensuring that our credit operations run smoothly and effectively.Job Responsibilities: Partner with Underwriters and Lending Specialists to capture terms and conditions stipulated in the credit approval and legal documentation into the corporate credit platform. Establish and monitor proper linkages between the Corporation Credit Systems. Coordinate with internal staff (Underwriters, Lending Specialists, and Wholesale Loan Services) and external constituencies (customer, legal counsel) to ensure approved facilities are correctly booked for loan closings. Coordinate with the global approval for cross LOB requests to include exposure to customers that are managed by units outside of the family responsibility area. Ensure that Country of Risk allocations are accurate and/or that Senior Country Officer concurrence is obtained, if required. Assist in issuance of letters of credit and amendments and monitor/manage ARC LC queues for approvals of new and evergreen LCs. Manage and monitor credit exposure information on the corporate credit systems. Coordinate all administrative aspects of portfolio management on a day to day basis including, but not limited to, identifying unlinked outstanding, over limits, temporary facility extension or increases. Support the information needs as a result of internal and external examinations, portfolio reviews, credit audits and quality reviews. Manage market and LOB transfers as clients and facilities are moved to new markets or to other LOBs outside of PB. Creation of and maintaining client information records in internal systemsRequired qualifications, capabilities and skills Regulatory reporting updates for CCAR dates post loan set up Unilateral notice mailing and tracking activities Identification of trends specific to market, individuals or process and recommendation of training or process updates Participate in strategic initiatives including Loan Doc Platform integration to streamline DocuSign and WLS activities Signature Validation processes to confirm valid client signatures Ensure consistent global use of key data elements - Reg U form and execution, Reg Z minimum amounts, specific Operational flags and RRC codes associated with evergreen and purpose credits Engage in relevant global consistency initiativesAbout usJPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.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 TeamJ.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.​Salary: . Date posted: 04/01/2024 10:24 PM
Credit Risk Analyst - Team Lead
JPMorgan Chase, Bengaluru, Any
You are a strategic thinker passionate about driving solutions. You have found the right team. As a Credit Risk Analyst - Team Lead in the JPMorgan Wealth Management Domestic credit business, you will be a strategic thinker passionate about promoting solutions. You will work directly with Lending Specialists, Analysts, Underwriters, and Credit Officers throughout the credit approval process, ensuring that our credit business operates effectively and efficiently. This role provides an opportunity to make a significant impact on our business and help shape our future direction.Job Responsibilities: Partner with Underwriters and Lending Specialists to capture terms and conditions stipulated in the credit approval and legal documentation into the corporate credit platform. Establish and monitor proper linkages between the Corporation Credit Systems. Coordinate with internal staff (Underwriters, Lending Specialists, and Wholesale Loan Services) and external constituencies (customer, legal counsel) to ensure approved facilities are correctly booked for loan closings. Coordinate with the global approval for cross LOB requests to include exposure to customers that are managed by units outside of the family responsibility area. Ensure that Country of Risk allocations are accurate and/or that Senior Country Officer concurrence is obtained, if required. Assist in issuance of letters of credit and amendments and monitor/manage ARC LC queues for approvals of new and evergreen LCs. Manage and monitor credit exposure information on the corporate credit systems. Coordinate all administrative aspects of portfolio management on a day to day basis including, but not limited to, identifying unlinked outstanding, over limits, temporary facility extension or increases. Support the information needs as a result of internal and external examinations, portfolio reviews, credit audits and quality reviews. Manage market and LOB transfers as clients and facilities are moved to new markets or to other LOBs outside of PB.. Creation of and maintaining client information records in internal systemsRequired qualifications, capabilities and skills Regulatory reporting updates for CCAR dates post loan set up Unilateral notice mailing and tracking activities Identification of trends specific to market, individuals or process and recommendation of training or process updates Participate in strategic initiatives including Loan Doc Platform integration to streamline DocuSign and WLS activities Signature Validation processes to confirm valid client signatures Ensure consistent global use of key data elements - Reg U form and execution, Reg Z minimum amounts, specific Operational flags and RRC codes associated with evergreen and purpose credits Engage in relevant global consistency initiativesAbout usJPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.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 TeamJ.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.​Salary: . Date posted: 04/01/2024 10:24 PM
Analyst/Senior Analyst : AR (Credit and Collections)
, bangalore, IN
Your Career Begins at TimkenIf youre ready for a challenging career that provides you with the ability to advance personally and professionally, look to Timken. Our associates make the world more productive by improving the efficiency and reliability of the machinery that keeps industry in motion.Qualification/Experience: B, Total 2 to 5 Years of Credit and Collection experience Job Description and Skill Requirement: Knowledge on SAP / Hands on experience in Credit and CollectionsAccounting Knowledge / MS office / Good Excel SkillsExcellent communication, Time management / stress tolerance / commitment and dedicationEffective listening / Interpersonal / Negotiation / Analytical and Reconciliation skillsDecision Making / Problem Solving / Innovative / Critical Thinking and Presentation skillsAdaptability / Ownership / Team Skills by demonstrating SMART approachCustomer Focus / Result Focus / Ethics and Integrity and Risk TakingProcess and People Management skills / Articulate Timkens core vision and valuesLeading by example / Influencing Skills and Inspire Team with a highly positive outlookWork Timings: 5.30PM to 2.30AM (Strictly Night Shift)All qualified applicants shall be treated equally according to their individual qualifications, abilities, experiences and other employment standards. There will be no discrimination due to gender or gender identity, race, religion, color, national origin, ancestry, age, disability, sexual orientation, veteran/military status or any other basis protected by applicable law.
want to work as financial analyst / equity research analyst / credit analyst
, Bangalore
Want to work as financial analyst / equity research analyst / credit analyst
Credit Risk - Analyst
JPMorgan Chase, Bengaluru, Any
Job Responsibilities:In this role, you will primarily support the JPMorgan Wealth Management Domestic credit business. You will work directly with Lending Specialists, Analysts, Underwriters and Credit Officers throughout the credit approval process. Your primary responsibilities and functions are as follows: Partner with Underwriters and Lending Specialists to capture terms and conditions stipulated in the credit approval and legal documentation into the corporate credit platform. Establish and monitor proper linkages between the Corporation Credit Systems. Coordinate with internal staff (Underwriters, Lending Specialists, and Wholesale Loan Services) and external constituencies (customer, legal counsel) to ensure approved facilities are correctly booked for loan closings. Coordinates the global approval for cross Lines of Business requests to include exposure to customers that are managed by units outside of the family responsibility area. Ensure that Country of Risk allocations are accurate and/or that Senior Country Officer concurrence is obtained, if required. Assist in issuance of letters of credit and amendments and monitor/manage ARC LC queues for approvals of new and evergreen LCs. Manage and monitor credit exposure information on the corporate credit systems. Coordinate all administrative aspects of portfolio management on a day to day basis including, but not limited to, identifying unlinked outstanding, over limits, temporary facility extension or increases. Support the information needs as a result of internal and external examinations, portfolio reviews, credit audits and quality reviews. Manage market and Lines of Business transfers as clients and facilities are moved to new markets or to other Lines of Business Creation of and maintaining client information records in internal systemsAdditional core responsibilities include: Regulatory reporting updates for CCAR dates post loan set up Unilateral notice mailing and tracking activities Identification of trends specific to market, individuals or process and recommendation of training or process updates Participate in strategic initiatives including Loan Doc Platform integration to streamline DocuSign and WLS activities Signature Validation processes to confirm valid client signatures Ensure consistent global use of key data elements - Reg U form and execution, Reg Z minimum amounts, specific Operational flags and RRC codes associated with evergreen and purpose credits Engage in relevant global consistency initiativesRequired qualifications, skills and capabilities: B.A., B.S., or relevant work experience MS Office, MS excel, SharePoint Experience Min 0- 5 years' experience in Financial Services environment Legal documentation knowledge-ability to read and understand legal terms and conditions Ability to interact with varying levels of management throughout the organization Ability to represent AWM in all working groups that involve decision making on behalf of the business Credit concepts, policy/regulatory framework, loan and derivative products Credit Risk Infrastructure, tools and processes a plus (ARC, EN, SRGT, CRRT, OWL, SELM, etc.) Strong technical skills - Excel, data mining and management, Microsoft office Transformation skills a plus-Signavio, Alteryx, XceptorAbout usJPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.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 TeamJ.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.​Salary: . Date posted: 04/05/2024 10:20 PM
Credit Risk - Wholesale credit(Chase merchant services) - Associate
JPMorgan Chase, Bengaluru, Any
Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.As a Credit Risk - Wholesale credit(Chase merchant services) - Associate within the Risk Management and Compliance team, you will be at the center of keeping JPMorgan Chase strong and resilient. You will be focused on identifying, measuring, limiting, managing, and monitoring credit risk across our businesses. Your role will involve conducting periodic reviews of our wholesale portfolio, analyzing financial statements, and managing risk through scheduled credit reviews. This is an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging area.The Chase Merchant Services team is focused on credit risk generated through the transactions we process for our merchant clients. Credit exposure is most realized when the merchant suffers a business failure resulting in liquidation. Risk is managed through financial statement analysis and scheduled credit reviews. Area of focus is conducting periodic review of wholesale portfolio defined by a certain threshold of exposure.Job responsibilities: Utilizing commercial credit skills to prepare written financial analysis, Risk Grading, and credit reviews of corporate clients Independently analyze, or at times work with more senior Credit Officers, to evaluate the risk and complete a periodic credit review of clients within the portfolio Understand and assess the customer's business model and its viability in the long run. Identify additional information requirements needed to properly assess risks of the transaction Review and analyze the financial strength and soundness of corporate clients to identify key risks to the continued credit worthiness of the business along with appropriate mitigating factors Considers alternatives to mitigate risk where appropriate. Recommend action to be taken in unfavorable scenarios. Ensure that credit facilities presented are properly graded. Meet defined production and quality scores. Timely submission with no High-Risk quality review findings. Meet assigned timelines and ensure process and policy requirements are met per the business and audit requirements. Stay on top of policies, conventions and follow those diligently. Review completed cases for feedback; act on feedback provided and timely submissions of reworks. Establish strong partnerships with internal clients. Demonstrate client centric behavior i.e., be aware of client's expectations, challenges while securing the firm's interest. Exercise appropriate diligence with client information. Complete adhoc work assigned within expected timelines.Required qualifications, capabilities, and skills Minimum 8 years' experience as a credit officer, underwriter or similar position with thorough knowledge of accounting and financial statement analysis requiring credit judgment and knowledge of various business models Post graduate or an advanced degree in business management, finance or accounting Strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills. Ability to formulate and articulate objective views based on professional analysis Thorough knowledge of credit philosophy, loan documentation, bankruptcy and related legal issues. Proficiency in Microsoft Office Suite, especially Excel, Word and PowerPoint.Preferred qualifications, capabilities, and skills Good organization skills and ability to work within time constraints in a highly regulated environment. Work effectively in a team environment, while assuming individual responsibility. Highly motivated individual with a natural passion to learn and an inquisitive personality. Strong sense of accountability and ownership of tasks. Interest in client interaction with strong verbal and written communication skills. Capable of understanding, describing, and debating complex concepts. Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time. Strong attention to detail and an excellent work ethic.About usJPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.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 TeamAs 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. We also take great pride in on our commitment to operating with integrity and discipline in all that we do. If you are a team player, are solutions-oriented and have an appetite for learning, you'll be a great fit for our team.Salary: . Date posted: 04/17/2024 10:30 PM
Credit Risk - Operations Analyst
JPMorgan Chase, Bengaluru, Any
You are a strategic thinker passionate about driving solutions. You have found the right team.As a Credit Risk Operations Analyst in the JPMorgan Wealth Management Domestic credit business, you will be a strategic thinker passionate about promoting solutions. You will work directly with Lending Specialists, Analysts, Underwriters, and Credit Officers throughout the credit approval process, ensuring that our credit operations run smoothly and effectively.Job Responsibilities:Partner with the SBL Lender through the lifecycle of the credit request and ongoing management of the portfolioPrepare the analysis of a client prior to underwriting, including (but not limited to) pulling client credit, generating a collateral analysis, and overall preparation for grading and pricing the loanReview lines of credit on an annual basis and building recommendations for renewal or modification as requiredAnalyze client data across multiple systems and preliminary review of creditReview loan documentation for accuracy, and at times assist Lenders with preparation of loan documentation packagesReview documentation for consistency with federal and local regulationsRequired qualifications, capabilities and skills Strong analytical skillsWorking knowledge of the Financial Markets and their asset vehicles including, but not limited to, Mutual Funds, Equities, Fixed Income and MunicipalsInterest in structuring Credit TransactionsAbility to interact effectively with internal stakeholders and external clients as requiredAbility to learn about financial derivatives, investments and wealth advisory capabilitiesAbility to complete projects with limited supervisionExcellent communication and interpersonal skills (for LatAm roles proficiency in Spanish or Portuguese is required in addition to English)Bachelor's degree in finance or related field requiredAbout usJPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.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 TeamJ.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.​Salary: . Date posted: 04/17/2024 10:28 PM
Credit Risk - Wholesale credit(Chase merchant services) - Associate
JPMorgan Chase, Bengaluru, Any
The Credit Risk function identifies, measures, limits, manages, and monitors credit risk across our businesses. Our practices are designed to preserve the independence and integrity of decision making.The Chase Merchant Services team is focused on credit risk generated through the transactions we process for our merchant clients. Credit exposure is most realized when the merchant suffers a business failure resulting in liquidation. Risk is managed through financial statement analysis and scheduled credit reviews. Area of focus is conducting periodic review of wholesale portfolio defined by a certain threshold of exposure.The purpose of this position is to facilitate periodic credit review of corporate clients and protect the bank from loss while maintaining credit risk within acceptable levels of our framework.Key Responsibilities: Utilizing commercial credit skills to prepare written financial analysis, Risk Grading, and credit reviews of corporate clients Independently analyze, or at times work with more senior Credit Officers, to evaluate the risk and complete a periodic credit review of clients within the portfolio Understand and assess the customer's business model and its viability in the long run. Identify additional information requirements needed to properly assess risks of the transaction Review and analyze the financial strength and soundness of corporate clients to identify key risks to the continued credit worthiness of the business along with appropriate mitigating factors Considers alternatives to mitigate risk where appropriate. Recommend action to be taken in unfavorable scenarios. Ensure that credit facilities presented are properly graded. Meet defined production and quality scores. Timely submission with no High-Risk quality review findings. Meet assigned timelines and ensure process and policy requirements are met per the business and audit requirements. Stay on top of policies, conventions and follow those diligently. Review completed cases for feedback; act on feedback provided and timely submissions of reworks. Establish strong partnerships with internal clients. Demonstrate client centric behavior i.e., be aware of client's expectations, challenges while securing the firm's interest. Exercise appropriate diligence with client information. Complete adhoc work assigned within expected timelines.Qualifications 6 - 8 plus years' experience as a credit officer, underwriter or similar position with thorough knowledge of accounting and financial statement analysis requiring credit judgment and knowledge of various business models Post graduate or an advanced degree in business management, finance or accounting Strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills. Ability to formulate and articulate objective views based on professional analysis Thorough knowledge of credit philosophy, loan documentation, bankruptcy and related legal issues. Proficiency in Microsoft Office Suite, especially Excel, Word and PowerPoint.Skills / Aptitude Good organization skills and ability to work within time constraints in a highly regulated environment. Work effectively in a team environment, while assuming individual responsibility. Highly motivated individual with a natural passion to learn and an inquisitive personality. Strong sense of accountability and ownership of tasks. Interest in client interaction with strong verbal and written communication skills. Capable of understanding, describing, and debating complex concepts. Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time. Strong attention to detail and an excellent work ethic. Volunteer for various activities within the team as well as wider organization. Respond timely to questions asked, information sought; feedback on cases. Proactive approach, a sense of urgency where appropriate.About usJPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.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 TeamAs 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. We also take great pride in on our commitment to operating with integrity and discipline in all that we do. If you are a team player, are solutions-oriented and have an appetite for learning, you'll be a great fit for our team.Salary: . Date posted: 04/17/2024 10:22 PM
Credit Risk - Wholesale credit(Chase merchant services) - Associate
JPMorgan Chase, Bengaluru, Any
The Credit Risk function identifies, measures, limits, manages, and monitors credit risk across our businesses. Our practices are designed to preserve the independence and integrity of decision making.The Chase Merchant Services team is focused on credit risk generated through the transactions we process for our merchant clients. Credit exposure is most realized when the merchant suffers a business failure resulting in liquidation. Risk is managed through financial statement analysis and scheduled credit reviews. Area of focus is conducting periodic review of wholesale portfolio defined by a certain threshold of exposure.The purpose of this position is to facilitate periodic credit review of corporate clients and protect the bank from loss, maintaining credit risk within acceptable levels of our framework.Key Responsibilities: Utilizing commercial credit skills to prepare written financial analysis, Risk Grading, and credit reviews of corporate clients Independently analyze, or at times work with more senior Credit Officers, to evaluate the risk and complete a periodic credit review of clients within the portfolio Understand and assess the customer's business model and its viability in the long run. Identify additional information requirements needed to properly assess risks of the transaction Review and analyze the financial strength and soundness of corporate clients to identify key risks to the continued credit worthiness of the business along with appropriate mitigating factors Considers alternatives to mitigate risk where appropriate. Recommend action to be taken in unfavorable scenarios. Ensure that credit facilities presented are properly graded. Meet defined production and quality scores. Timely submission with no High-Risk quality review findings. Meet assigned timelines and ensure process and policy requirements are met per the business and audit requirements. Stay on top of policies, conventions and follow those diligently. Review completed cases for feedback; act on feedback provided and timely submissions of reworks. Establish strong partnerships with internal clients. Demonstrate client centric behavior i.e., be aware of client's expectations, challenges while securing the firm's interest. Exercise appropriate diligence with client information. Complete adhoc work assigned within expected timelines.Qualifications 8 - 10 plus years' experience as a credit officer, underwriter or similar position with thorough knowledge of accounting and financial statement analysis requiring credit judgment and knowledge of various business models Post graduate or an advanced degree in business management, finance or accounting Strong verbal, written, and interpersonal skills, as well as analytical and problem-solving skills. Ability to formulate and articulate objective views based on professional analysis Thorough knowledge of credit philosophy, loan documentation, bankruptcy and related legal issues. Proficiency in Microsoft Office Suite, especially Excel, Word and PowerPoint.Skills / Aptitude Good organization skills and ability to work within time constraints in a highly regulated environment. Work effectively in a team environment, while assuming individual responsibility. Highly motivated individual with a natural passion to learn and an inquisitive personality. Strong sense of accountability and ownership of tasks. Interest in client interaction with strong verbal and written communication skills. Capable of understanding, describing, and debating complex concepts. Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time. Strong attention to detail and an excellent work ethic. Proactive approach, a sense of urgency where appropriate.About usJPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.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 TeamAs 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. We also take great pride in on our commitment to operating with integrity and discipline in all that we do. If you are a team player, are solutions-oriented and have an appetite for learning, you'll be a great fit for our team.Salary: . Date posted: 04/17/2024 10:22 PM
Credit and Collection Analyst III
Siemens, Bangalore, Any
Siemens Digital Industries Software is a leading provider of solutions for the design, simulation, and manufacture of products across many different industries. Formula 1 cars, skyscrapers, ships, space exploration vehicles, and many of the objects we see in our daily lives are being conceived and manufactured using our Product Lifecycle Management (PLM) software.Essential Functions: A Credit & Collections Analyst meets monthly collections targets associated with portfolio of customers within the Siemens Software division. The analyst supports the Digital Industries Software business unit within the Global Order to Cash division. It is expected for the analyst to be proficient in the order-to-cash process as well as the ability to consistently manage complex tasks associated with the process. An Analyst III will be a significant contributor to the development of recommendations and strategies, receiving exposure to cornerstone project management.Responsibilities: Main scope: India accounts credit and collection activity. Review credit exposure and work on the credit limit request for the new deals. Assess the credit risk and evaluate the ability-to-pay for assigned accounts. Provide professional credit review and risk mitigation proposal to country management team. Release the orders from order system and SAP based on the AR, credit limit usage and payment history. Share the invoices and necessary documents with the customers for payment processing. Develop strong business relationships with customers for on-time payment collection. Follow up Gov't customers, including document preparation, signing, and meeting to sort out the roadblock in payment processing when needed. Microsoft Office skills are essential and SAP as an advantage.ExperienceAt least 2-3 years working experience on credit and collection function in MNC.Experience of working in a software/fast moving environment is a plus.Behaviors/ CompetenciesAbility to work in a team environment.Self-motivated, be flexible and good at communication.Confident approach when dealing with internal and external parties.CircumstanceNormal Working Hours.Flexibility is needed to adapt to Sales and Customer Service Environment, can work under pressure particularly during quarter-end closing cycle.A collection of over 377,000 minds building the future, one day at a time in over 200 countries. We're dedicated to equality, and we welcome applications that reflect the diversity of the communities we work in. All employment decisions at Siemens are based on qualifications, merit, and business need. Bring your curiosity and creativity and help us shape tomorrow! Siemens Software. Transform the Everyday The actual compensation offered is based on the successful candidate's work location as well as additional factors, including job-related skills, experience, and relevant education/training. Siemens offers a variety of health and wellness benefits to employees. Details regarding our benefits can be found here: [1] www.benefitsquickstart.com. In addition, this position is eligible for time off in accordance with Company policies, including paid sick leave, paid parental leave, PTO (for non-exempt employees) or non-accrued flexible vacation (for exempt employees).#LI-PLM #LI-HYBRID #SWSaaSSalary: . Date posted: 04/15/2024 08:39 PM