Credit Analyst II - Dallas, TX-140027737
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Job Description
Essential Job Duties and Responsibilities:
Determine decline or approval (with or without terms and conditions) on new business applications and renders decisions for same within appropriate authority level while supporting the company goal for revenue growth.
Monitors the portfolio of accounts through monthly reports and also obtains timely business financial from merchants to evaluate the creditworthiness vs. exposure of merchants to ensure adequate protection against losses while also considering the goal to maintain revenue (risk vs. reward)
Reviews and renders decisions on bank changes for merchants, descriptor changes for merchants considering Card Organization rules and regulations; and new divisions (additional business units) for merchants reviewing and advertising media in connection with FTC and Card Org. rules.
Conducts conference calls with prospective merchants to assist Sales in underwriting the prospective merchant''s business model and company structure.
Conducts necessary action items (contracts, reserves, etc) for mergers and acquisition of existing companies.
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Qualifications
The points below have been carefully considered as being essential for the role. Your background must accurately reflect all of these, with or without a reasonable accommodation, for your application to be considered.
* College degree in field related to finance or business preferred
* Minimum of 2yrs indirect underwriting/credit analysis experience preferred
* Thorough knowledge of consumer credit bureaus
* Knowledge of financial products, policies, and procedures and fair lending regulations
Transferable Skills:
* Excellent communication skills
* Strong negotiating skills
* Excellent attention to detail skills
* Strong analytical skills
* Service oriented and ability to maintain relationships
JPMorgan Chase is an Equal Opportunity and Affirmative Action Employer, M/F/Disability/Veteran.
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*Job:* Risk
*Primary Location:* US-TX-Dallas-JPMIP Two / 01804
*Organization:* CONSUMER & COMMUNITY BANKING
*Schedule:* Full-time
*Job Type:* Standard
*Shift:* Day Job
*Employee Status:* Regular
*Corporate Brand:* Chase
*Travel:* No