Location: Bengaluru, Karnataka, India

Job Description:

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 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. 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/or 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.