Credit Support Specialist

Credit Support Specialist II

Are you looking for an opportunity where you can develop your skills and be part of a growing dynamic team? As a Credit Support Specialist II within JPMorganChase, you will play a pivotal role in maintaining the integrity of our credit portfolio. Your primary responsibility is to assess borrower compliance with credit agreement terms, ensuring adherence to the stipulated conditions. You'll use your understanding of financial covenants to identify potential defaults, focusing on syndicated loans and bilateral agreements. Guided by established routines and procedures, you'll apply critical thinking to semi-routine tasks, escalating non-routine issues to senior team members. Additionally, you'll leverage your foundational proficiency in conflict management, emotional intelligence, and stakeholder management to facilitate discussions and create collaborative solutions, while managing time effectively to deliver courteous and effective service to our clients.

Job responsibilities include:

• Assess compliance with credit agreement terms for a designated portfolio of borrowers, identifying potential defaults and breaches of covenants.
• Interpret financial and other covenants in credit agreements, ensuring accurate setup of co-borrowers, guarantors, and other parties in the bank's system of record.
• Conduct credit analysis and monitor ongoing compliance with financial covenants within the assigned portfolio, applying critical thinking skills to identify potential risks.
• Calculate cash flow and leverage ratios in accordance with credit agreement terms, using your understanding of financial covenants to ensure accurate calculations.
• Adhere to quality control standards and service level agreements, managing time effectively to ensure timely and accurate completion of tasks.

Required qualifications, capabilities, and skills include:

• Baseline knowledge of credit agreement terms and financial covenants, with the ability to interpret and apply them in a lending services context.
• Demonstrated ability to perform tasks in accordance with well-defined policies, procedures, and techniques, ensuring accuracy and overall adequacy.
• Beginning proficiency in conflict management, with the ability to identify conflicts of interest and facilitate discussions to create collaborative solutions.
• Developing proficiency in listening and questioning, with the ability to use non-verbal cues to actively listen and empathize with the speaker, and ask insightful questions to gather information.
• Effective time management and organizational skills, with the ability to manage multiple tasks efficiently and achieve goals.

Preferred qualifications, capabilities, and skills include:

• Foundational skills in driving continuous improvement and process automation to enhance lending workflows and efficiency.
• Basic proficiency in digital literacy, enabling effective use of technology in lending services.
• Ability to create quantitative reports to track lending performance and support strategic planning.
• Basic project management skills to lead and ensure successful execution of lending service initiatives.