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CBS Business Banking Risk Underwriter - Associate

Req #: 180033194
Location: Taguig City, 00, PH
Job Category: Credit
Potential Referral Amount: 15000 Philippine Peso (PHP)

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.5 trillion and operations in more than 60 countries. The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing and asset management.


It began operations in the Philippines in 1961 with a representative office. Since then, the firm has expanded its presence into a fully integrated franchise, comprising Investment Banking, Treasury and Securities Services, Equity Sales and Research as well as foreign exchange and fixed income trading operations. JPMorgan Chase & Co. has a number of legal entities operating in the country, including the Manila Branch of the bank, which has a commercial banking license as well as a derivatives license, and a securities company with a seat on the Philippine Stock Exchange.


JPMorgan Chase & Co. launched its Global Service Center in Manila in 2005 and in Cebu in 2010, to provide a wide variety of strategic support including analytics, finance and accounting voice-based services, transaction processing and other functions to its affiliates around the world.


Information about JPMorgan Chase & Co. is available at 


General level of Job Responsibility

Evaluates credit applications for recommendation.  The purpose of this position is to facilitate Small Business loan portfolio growth and protect the bank from loss, maintaining acceptable asset quality.  Intermediate level officer with advanced experience. Underwrites credit transactions up to $3.0MM.  Assists management with key initiatives and projects.


Typical Job Duties

Independently analyzes, or at times may work with more senior Credit Officer, to evaluate the risk of adding a particular transaction to the bank's loan portfolio. Identifies additional information requirements needed to properly assess risks of the transaction. Considers alternative credit structures to mitigate risk where appropriate. Recommends action to be taken on credit, identifies key risks and information requirements. Ensures that credit facilities presented are properly graded. Usually works independently with limited direct supervision. Serves as a resource for less experienced Credit Officer


JPMorgan Chase is an Equal Opportunity and Affirmative Action Employer, M/F/Disability/Veteran


Key Competencies

  • Strong verbal, written and interpersonal skills, as well as analytic and problem solving skills
  • Demonstrated PC aptitude 
  • Works effectively in a team environment while assuming individual responsibility 
  • Ability to formulate and articulate objective views based on professional analysis 
  • Extensive knowledge of Chase credit philosophy and policies.  Thorough understanding of commercial credit structures, loan documentation, bankruptcy, and related legal issues 
  • Able to assess and articulate risk associated with requested exceptions to established credit policies and procedures



  • Bachelor degree in accounting preferred
  • Bachelor degree in business, finance, or economics is acceptable.
  • Credit underwriting experience is a plus.
  • Manila CPA Certification and prior business credit experience preferred.  Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work
  • Typically 5-7 plus years experience as a credit underwriter or similar position requiring business knowledge and credit judgment
  • Excellent verbal and written communication skills, strong analytical, interpersonal skills and judgment skills.
  • Self motivated with ability to work independently in a fast-paced environment. 
  • Should possess a good knowledge of bank systems and loan/credit operations.
  • Results oriented team player with a high level of proficiency in organizing, priority-setting and issues management a must.
  • Understanding of the company's financial statements, including ratio analysis, cash flow analysis, and basic accounting standards
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JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.