Credit Ops Analyst

Reposted Yesterday
Be an Early Applicant
Manila, Metro Manila, National Capital Region
Hybrid
Junior
Financial Services
We’re one of the world’s biggest technology-driven companies
The Role
The Credit Ops Analyst underwrites commercial credit applications, assessing risk, collaborating with partners, and implementing process improvements while ensuring high credit quality.
Summary Generated by Built In
Job Description
Do you have a passion providing a best-in-class experience for customers and employees? Our Card Lending Services Team has an excellent opportunity for an individual with proven commercial underwriting abilities.
As a Credit Ops Analyst in Card Lending Services, you will be underwriting new applications as well as existing corporate liability credit requests, with a strong focus on credit quality and risk assessment. You will work with commercial credit applications and build strong working relationships with internal partners such as Business Bankers, Business Development, and Risk Policy.
Job Responsibilities:
  • Demonstrate the ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment, and make sound credit decisions and recommendations via written and verbal presentations
  • Experienced in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
  • Proficient in credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager
  • Exhibit strong analytical and problem-solving skills
  • Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
  • Collaborate effectively in a team environment
  • Adopt the flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.)
  • Investigate, recommend and initiate process improvements
  • Possess accounting and finance knowledge, and commercial banking experience

Required qualifications, capabilities, and skills:
  • Minimum one year commercial credit lending experience
  • Commercial credit card lending experience
  • Computer skills specific to Microsoft products and proprietary systems
  • Bachelor's degree in a business-related discipline
  • Successful completion of a major corporate bank commercial training program or the equivalent corporate banking/corporate finance or accounting experience

Preferred qualifications, capabilities, and skills:
  • Ability to multitask using a computer and simultaneously provide customer support
  • Master's degree in a business-related discipline
  • Comfortable in a fast-paced, consistently changing environment
  • Previous experience working in a Financial and Call Center
  • Have a passion for helping people by solving problems, presenting, and explaining solutions

Panel Process:
All New Hires are required to complete and successfully pass the Panel Evaluation during training in order to obtain Lending Authority. The Panel Evaluation Process is a component of training that evaluates your ability to apply the learned JPMC Lending Philosophy. In addition to fulfilling all other expectations of the position, your continued employment with Chase will be contingent on successfully passing the panel evaluation.
Panel Process:
All New Hires are required to complete and successfully pass the Panel Evaluation during training in order to obtain Lending Authority. The Panel Evaluation Process is a component of training that evaluates your ability to apply the learned JPMC Lending Philosophy. In addition to fulfilling all other expectations of the position, your continued employment with Chase will be contingent on successfully passing the panel evaluation.
About Us
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 for more information about requesting an accommodation.
About the Team
Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.

Top Skills

Microsoft Products
Proprietary Systems

What the Team is Saying

Nick S.
Lupe C.
Edwin T.
Dawn T.
Meng M.
Am I A Good Fit?
beta
Get Personalized Job Insights.
Our AI-powered fit analysis compares your resume with a job listing so you know if your skills & experience align.

The Company
HQ: New York, NY
289,097 Employees
Year Founded: 1799

What We Do

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands.

Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products.

Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com.

©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.

Why Work With Us

Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.

Gallery

Gallery
Gallery
Gallery
Gallery
Gallery
Gallery

JPMorganChase Teams

Team
Product + Tech
About our Teams

JPMorganChase Offices

Hybrid Workspace

Employees engage in a combination of remote and on-site work.

Typical time on-site: Flexible
Company Office Image
HQNew York, NY
SG
Bengaluru, Karnataka
Bournemouth, GB
Buenos Aires, Avaya
Chicago, IL
Dallas, TX
Dublin, IE
Glasgow, GB
Houston, TX
Hyderabad, Telangana
London, GB
Mumbai, Maharashtra
New York, NY
Philadelphia, PA
San Francisco, CA
Tampa, FL
Westerville, OH
Wilmington, DE
Learn more

Similar Jobs

Hybrid
Manila, Metro Manila, National Capital Region, PHL
Hybrid
Manila, Metro Manila, National Capital Region, PHL
Hybrid
Manila, Metro Manila, National Capital Region, PHL

Sign up now Access later

Create Free Account

Please log in or sign up to report this job.

Create Free Account