DCS Credit Risk Analyst

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 Analyst in Dealer Commercial Services team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 500+ franchised retail automobile dealers. Within Dealer Commercial Services team, you will be part of Portfolio Risk Management team partnering with stateside  Senior Underwriters and Credit Executives for end to end risk-management of dealer commercial portfolio. In this role you are expected to take complete ownership of the credit process, possess ability to multi-task and meet delivery deadlines, thus helping your partners in making decisions in the best interest of the customer and organization.   

Job responsibilities 

• Work with stateside Senior Underwriters and Credit Executives on respective portfolio management activities e.g., over lines, stock audits, covenants, interim requests etc. 
• Undertake in depth financial analysis and review of dealer financial statements on monthly basis.
• Use multiple tools to identify and escalate any early warning indicators for the assigned portfolio.
• Demonstrate detailed understanding of assigned portfolio and recommend timely actions as deemed necessary to the stateside partners. 
• Assist senior underwriters in preparing credit approval memo (CAM) for annual renewals or new business opportunities. 
• Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.

Required qualifications, capabilities, and skills

• Minimum 1 year experience in Credit, Audit, Compliance or Risk Management
• Demonstrated ability to collaborate cross-functionally to achieve measurable results.
• Bachelor's Degree required with a focus in Accounting, Finance, Business or Economics preferred.
• MBA Finance or Professional Certification in Finance/Accounting/Risk is preferred.
• Prior experience in US Market and Auto industry is preferred.
• Proficiency in Microsoft Word, Excel, and PowerPoint, Visio.
• Strong written and verbal presentation skills

JPMorgan 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.