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CCB – J.P. Morgan Merchant Services – EU Credit Operations Analyst – Associate

Req #: 170110238
Location: Dublin, L, IE
Job Category: Operations
Potential Referral Amount: 5000 Euro (EUR)
JPMorgan Chase is seeking talented candidates for a position on the Credit Operations Team within Merchant Services, the merchant acquiring and payment processing arm of J.P. Morgan.
Primary Accountabilities/Responsibilities:
  • Analyze new and existing merchant companies, considering financial viability vs. exposure, regarding revenue generated from merchant accounts.  Implement any necessary collateral (escrow, guarantees, letters of credits)
  • Proficient in reading credit reports, Dun & Bradstreet, & financials (balance sheet, income stmt, cash flow worksheet). 
  • Perform financial statement analysis based on key financial ratios as they apply to the merits of the subject's profile.
  • Calculates the notional risk associated with each applicant's business model and method of accepting payment instruments consistent with established procedures.
  • Conducts 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.
  • Conducts conference calls with merchants to communicate collateral implementations (reserve, UCC, letters of credit, guarantees), division (additional business added) declines or approval terms and conditions for new and existing business.
  • Reviews business model and processing characteristics for existing merchants to ensure and report on compliance with Payment Brand rules and regulations
  • Ensure merchant meets the firm’s KYC standards and Local AML requirements and perform necessary due diligence
Knowledge, Skills and Experience
  • Experience in a credit analyst/underwriting position or similar decision making role is required.
  • Basic understanding of financial statements is preferred
  • Bachelors of Science/ Bachelors of Arts in business/finance accounting related field
  • Experience within the acquiring industry may be substituted in place of credit experience.
  • Ability to work in a fast paced, high production environment performing multiple tasks is required.
  • PC skills to include ability to work in Word, Excel and Access and PowerPoint
  • Able to provide professional communication via phone, email, and in person when interacting w/ internal and external customers.
  • Strong attention to detail practices
  • Analytical/problem solving skills
  • Strong decision making skills
  • Flexible to work additional hours as needed
About J.P. Morgan’s Corporate & Investment Bank
J.P. Morgan’s Corporate & Investment Bank is a global leader across banking, markets and investor services. The world’s most important corporations, governments and institutions entrust us with their business in more than 100 countries. With $18 trillion of assets under custody and $393 billion in deposits, the Corporate & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.  Further information about J.P. Morgan is available at
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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