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CCB Merchant Services - Credit Analyst - Associate

Req #: 170106110
Location: Dublin, L, IE
Job Category: Credit
Potential Referral Amount: 5000 Euro (EUR)
Senior Portfolio Credit Analyst
JP Morgan Merchant Services European headquarters are located in Dublin, Ireland, and is a business unit of JPMorgan Chase. As a global leader in payment processing and merchant acquiring, JP Morgan Merchant Services is capable of authorizing transactions in more than 130 currencies. The company offers European businesses access to a wide variety of global payment methods including many alternative methods of payment. With a legacy of innovation and vision in electronic payments, JP Morgan Merchant Services fuels the success of the Internet's largest brands, currently processing more than 50 percent of global Internet transactions. Offering secure payment solutions, improving cash-flow management, mitigating risk and accelerating funding, JP Morgan Merchant Services unique combination of outstanding service, innovative solutions and financial strength offers solid benefits to European companies both large and small. More information can be found at
Become part of our progressive, service-oriented company.  As a JP Morgan Merchant Services employee, you'll enjoy a professional and supportive team environment and will play an important role in our continued growth in the electronic payment industry.
Our most important asset is our people; we seek qualified driven individuals that want an opportunity to make a difference at JP Morgan Merchant Services.
Reporting to the Chief Credit & Risk Officer, the Senior Portfolio Credit Analyst will be an integral part of the Credit Risk Management team with primary responsibility for the analysis, review and monitoring of an assigned existing portfolio of merchant counterparties. 
Using well developed credit skills, the Senior Portfolio Credit Analyst will prepare and submit analyses and recommendations to the Chief Credit & Risk Officer and the EU Risk Committee on individual names.
The role demands a strong combination of interpersonal, analytical and decision-making skills and is very much centered on risk management.  Risk must be understood and communicated, and credit exposures kept in line with the Company’s limit on risk bearing.
Main Responsibilities
  • Review of existing merchants to identify risks associated with financial profile, processing and compliance with Payment Brand Rules of merchants as follows:
    • Perform detailed advanced level financial statement analysis based on key financial ratios utilizing Moody’s financial spreading software
    • Review business model and processing characteristics  for existing merchants to ensure compliance with Payment Brand rules and regulations
    • Document the results of findings in written form and make recommendation based on the totality of findings
  • Perform collateral reviews upon request and recommend appropriate terms
  • Monitor merchant portfolio on an ongoing basis and assume responsibility for producing monthly statistics
  • Support other management directives as prescribed.
  • Bachelors degree in business management, finance or accounting or similar field
  • Solid credit analytical experience,
  • Strong financial statement analytical ability; 
  • Excellent narrative writing and critical thinking abilities 
  • Advanced excel capabilities
  • Thorough knowledge of accounting principles and the impact of changes on financial condition
  • Ability to analyze private company financials as well as financials of publicly traded companies
  • Capability to develop and recommend financial risk strategies based on well researched facts and analytics
  • Strong communication skills partnering with both internal and external stakeholders
  • Good organization skills and ability to work within time constraints in a highly regulated industry  
  • Experience within the payments industry or a banking environment
  • Proficiency in additional EU languages
JPMorgan Chase & Co. offers an exceptional benefits program and a highly competitive compensation package. JPMorgan Chase & Co. is an Equal Opportunity Employer.
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