Credit Support Analyst at JPMC Candidate Experience page

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

14 Jun, 26

Salary

0.0

Posted On

16 Mar, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Monitoring, Covenant Reporting, Syndicated Loans, Bilateral Loans, Risk Management, Operations, Financial Analysis, Legal Covenants, Borrowing Base Calculations, Collateral Validation, Cash Flow Calculation, Leverage Ratios, MS Excel, Attention To Detail, Time Management, Risk Discipline

Industry

Financial Services

Description

Join JPMorganChase’s Wholesale Lending Services and help safeguard credit quality across our Commercial & Investment Bank portfolio. Partner with Risk, Credit, and Operations to ensure borrowers meet complex financial and legal covenants. Grow your expertise in syndicated and bilateral loan structures while making a measurable impact. Job Summary As a Credit Monitoring Analyst within Wholesale Lending Services, you assess borrower compliance with financial and legal covenants. You interpret complex credit agreements, configure covenant reporting in bank systems, and track ongoing compliance for syndicated and bilateral facilities. You collaborate across risk and operations to resolve documentation discrepancies and uphold quality standards Job Responsibilities * Configure reporting requirements and financial covenants in bank systems for new credit agreements. * Translate legal and structural terms into operational monitoring requirements for compliance. * Conduct periodic reviews and continuous monitoring of borrower covenants and collateral. * Interpret complex attorney- and externally prepared agreements to determine required party set-ups. * Review documentation and monitor compliance across bilateral and syndicated facilities. * Independently calculate cash flow, leverage ratios, and covenant values per agreement terms. * Perform detailed borrowing base calculations and reconciliations for secured lending & Validate collateral documentation, including AR aging's, inventory listings, and ineligible summaries. * Compare executed agreements to credit approvals/term sheets to identify and report discrepancies. Adhere to quality control standards and service-level agreements with internal partners. * Partner with Risk, Credit, and Operations to resolve documentation and operational clarifications. Required qualifications, capabilities, and skills * Hold a bachelor’s degree in business, accounting, finance, or related field. * Minimum 3 years’ experience in Credit Monitoring/Administration/Review or Loan Operations in commercial, business, or investment banking. * Demonstrate proficiency in reviewing and interpreting credit agreements and syndicated loan structures. * Maintain strong knowledge of facility types (revolvers, term loans, LCs, bridge loans, asset-based structures). * Apply working knowledge of asset-based lending, real estate banking, and collateral/security valuation. * Understand loan products and documentation for revolving lines, term loans, and borrowing bases. * Communicate clearly in writing and verbally; exhibit meticulous attention to detail, risk discipline, time management, and independence; use MS Excel and MS Office at high proficiency. Preferred qualifications, capabilities, and skills * Leverage experience configuring covenant and collateral monitoring in enterprise bank systems. * Utilize advanced Excel skills (e.g., complex formulas, pivot tables, reconciliation models). * Navigate syndicated agency workflows and bilateral lender operations effectively. * Collaborate with cross-functional stakeholders to drive timely document alignment and remediation. * Interpret nuanced covenant language and exceptions to advise on monitoring approaches. * Manage concurrent deadlines in a high-volume environment with consistent accuracy. * Contribute to continuous improvement of monitoring controls, metrics, and documentation standards. JPMorganChase, 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 [https://careers.jpmorgan.com/us/en/how-we-hire/faqs] for more information about requesting an accommodation. J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

Responsibilities

The analyst will assess borrower compliance with financial and legal covenants by interpreting complex credit agreements and configuring necessary reporting in bank systems for syndicated and bilateral facilities. Responsibilities include conducting periodic reviews, calculating key financial metrics, validating collateral, and resolving documentation discrepancies in partnership with Risk and Operations teams.