Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area?
As a credit operations analyst within Commercial and Investment Banking, you will spend each day reviewing merchant applications, websites, personal credit bureaus, and merchant fraud prevention tools to evaluate the legitimacy of merchants and their financial ability to support calculated risk exposure to the Merchant Services business. You will be a decision maker in the onboarding process and will determine if Merchant Services will be able to conduct business with the merchant.
Job Responsibilities:
- Analyze new and existing merchant companies, considering financial viability vs. exposure.
- Calculate the notional risk associated with each applicant's business model and method of accepting payment instruments consistent with established procedures.
- Conduct information gathering calls with internal & external parties to obtain an overall understanding of the financial profile and to become familiar with processing characteristics, business models and company structure.
- Review business model and processing characteristics for existing merchants to ensure and report on compliance with Payment Brand rules and regulations.
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Required Qualifications, Capabilities and Skills:
- Ability to work in a fast paced, high production environment performing multiple tasks.
- Proficient in reading credit reports (Experian/Equifax).
- Accuracy with attention to detail
- Analytical/problem solving skills
- Strong decision making skills
- Excellent written and verbal communication skills
Preferred Qualifications, Capabilities and Skills:
- Proficient in reading credit reports (Experian/Equifax).
- 2 years of credit experience.
- 2 years of experience in a related analytical role.
- Experience in a credit analysis or underwriting environment.
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
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.