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Credit Support Analyst
Risk & Compliance
Wholesale Lending Services (WLS) supports several lines of business that include Business Banking, Commercial Banking, Investment Banking and Commercial Solutions. Credit Monitoring sits within WLS and provides Credit Compliance Monitoring for the combined Commercial and Investment Bank Loan Portfolio. As a Credit Support Analyst within JPMorganChase, you will play a key role in maintaining the integrity of the credit portfolio by assessing borrower compliance with credit agreement terms. You focus on identifying potential defaults in syndicated loans and bilateral agreements using your understanding of financial covenants. Guided by established routines, you apply critical thinking to semi-routine tasks and escalate non-routine issues to senior team members. You also use your skills in conflict management, emotional intelligence, and stakeholder management to facilitate discussions and create collaborative solutions. Effective time management is crucial for delivering courteous and effective service to clients.Job responsibilities
Review and analyze Credit Agreements for uploading requirements to monitoring system used by Clients, Risk Partners, and Credit Monitoring
- Assess compliance with credit agreement terms for a designated portfolio of borrowers, identifying potential defaults and breaches of covenants.
- Interpret financial and other covenants in credit agreements, ensuring accurate setup of co-borrowers, guarantors, and other parties in the bank's system of record.
- Conduct credit analysis and monitor ongoing compliance with financial covenants within the assigned portfolio, applying critical thinking skills to identify potential risks.
- Calculate cash flow and leverage ratios in accordance with credit agreement terms, ensuring accurate calculations.
- Manage time effectively to adhere to quality control standards and service level agreements, ensuring timely and accurate completion of tasks.
Required qualifications, capabilities, and skills
- Foundational knowledge of credit agreement terms and financial covenants, with the capability to interpret and apply them effectively.
- Proven ability to perform tasks accurately by adhering to well-defined policies, procedures, and techniques.
- Developing proficiency in conflict management, with skills to identify conflicts of interest and facilitate discussions for collaborative solutions.
- Emerging skills in active listening and questioning, utilizing non-verbal cues to empathize and ask insightful questions.
- Strong time management and organizational skills, efficiently handling multiple tasks to achieve goals effectively.
Preferred qualifications, capabilities, and skills
- Foundational capability in driving continuous improvement and process automation, optimizing lending workflows and enhancing operational efficiency.
- Developing proficiency in digital literacy, supporting the effective use of technology in lending services.
- Emerging skill in creating quantitative reports to track lending performance and support strategic planning with data-driven insights.
- Growing proficiency in leading project management efforts, ensuring successful execution of lending service initiatives and alignment with strategic objectives.
- Bachelor's degree in Business/Accounting preferred