Location: Bengaluru, Karnataka, India

Job Description:

As an Associate in the Credit Risk team supporting the Government, Higher Education, Healthcare, and Not-for-Profit (GHHN) portfolio, you will play a critical role in underwriting, portfolio management, and risk assessment for complex credit exposures

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.

 JPMorganChase is seeking a highly motivated and analytical Associate to join our Credit Risk team supporting the Government, Higher Education, Healthcare, and Not-for-Profit (GHHN) portfolio. This role offers the opportunity to work with a diverse set of clients, including state and local governments (US), public and private universities, academic medical centers, hospitals, and leading not-for-profit organizations. The successful candidate will play a critical role in underwriting, portfolio management, and risk assessment for complex credit exposures.

Job Responsibilities:

Perform comprehensive credit analysis and risk assessment for new and existing clients in the government, higher education, healthcare, and not-for-profit sectors.  
Prepare and present detailed credit approval memos / QOFs, including financial statement analysis and risk rating recommendations.  
Monitor portfolio performance, identify emerging risks, and proactively manage credit exposures.  
Collaborate with bankers and other risk professionals to structure transactions that balance client needs with prudent risk management.  
Conduct due diligence calls and meetings with clients & management teams.  
Stay current on sector trends, regulatory developments, and market dynamics impacting the GHHN portfolio.  
Ensure compliance with JPMorganChases credit policies, procedures, and regulatory requirements

Required, qualifications, skills, and capabilities:

• Qualifications in MBA (with Finance Specialization) / CA
• Min. 4 years of experience in credit risk, commercial banking, public finance, healthcare finance, or related field.
• Strong financial modeling, analytical, and quantitative skills; ability to interpret complex financial statements and sector-specific disclosures.
• Demonstrated understanding of credit risk principles, loan structures, and sector-specific risk factors (e.g., government funding, healthcare reimbursement, not-for-profit financial reporting).
• Excellent written and verbal communication skills; ability to present complex analyses to senior management and credit committees.
• Strong organizational skills and attention to detail; ability to manage multiple priorities in a fast-paced environment.
• Proficient in the use of MS Word, Excel and Power Point
• Commitment to JPMorganChases values of integrity, client focus, and teamwork.