• Job Description

  Req#: 210453296

  Commercial Banking Corporate Client Banking & Specialized Industries – Credit Risk Analyst

  Employer Description

  JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses, and many of the world’s most prominent corporate, institutional and government clients in more than 100 countries. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

  We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.

  Equal Opportunity Employer/Disability/Veterans

  Organization Description

  Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.

  The Corporate Client Banking & Specialized Industries group focuses on clients with revenue of more than $500 million that require traditional financing and payment services as well as investment banking products. CCBSI is organized into four regional groups (Northeast, Midwest, South, and West) and four industry segments (Healthcare, Entertainment, Technology, and Financial Institutions).

  Risk Management helps the firm understand, approve, manage, and anticipate risks in a constantly changing environment. In addition to determining the credit worthiness of prospective borrowers, the work covers areas such as general corporate financial analysis and monitoring, evaluating country-specific risks and understanding regulatory changes.

  Job Description

  Commercial Banking Corporate Client Banking & Specialized Industries Risk Analyst Program

  The Credit Risk Analyst will be exposed to credit and risk management activities, as well as various corporate and investment banking products. Throughout your experience you will hone your corporate finance and credit underwriting skills to build your career in the financial services industry. You will utilize your superior analytical skills, combined with credit and industry knowledge, to make and support credit decisions for a portfolio of clients. You will collaborate across credit risk and the business teams to meet client credit requests, while balancing the risk-return needs of the firm. You constantly monitor your portfolio to accurately assign risk ratings to clients and facilities, while ensuring a robust culture of compliance is adhered to at all times.

  Working here means joining a collaborative, supportive, and fast-paced team. We want your diverse perspective to help us develop insightful, timely proposals to best serve our clients.

  Responsibilities of an Analyst

  As a Corporate Client Banking & Specialized Industries Credit Risk Analyst, you will:

  • Identify the key risk factors associated with clients, transactions, and industry sub-sectors and help a deal team seek approval for lending and trading related transactions, individually or as part of a deal team
  • Create written credit approval documents, which include the spreading and presentation of historical financial statement information and the related financial analysis
  • Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
  • Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, and industry and other factors
  • Manage and monitor a portfolio of client credit exposures on an ongoing basis
  • Take ownership of client credit needs and projects and independently develops a credit opinion
  • Remain current on all aspects of the credit relationship, including exposure, compliance, potential problems and opportunities
  • Review and assign risk ratings and maintains updated credit research on your portfolio of clients
  • Participate in credit due diligence process for clients, including for capital markets transactions
  • Help drive and support innovation and continuous efficiency improvements

  Qualifications:

  We are looking for individuals who have an interest in commercial banking and enjoy working with people, building relationships, paying attention to detail, and providing best-in-class customer experience. You’ll also have:

  • Bachelors or Masters Degree (Business, Finance & Accounting preferred; all majors considered)
  • Graduation Date: December 2023 - June 2024
  • Minimum cumulative GPA of 3.2 on a 4.0 scale is preferred
  • Superior analytical, and leadership skills
  • Ability to multitask and meet deadlines in a fast-paced environment
  • Strong verbal and written communication skills
  • Academic training in the principals of accounting, finance, and macro economics
  • Proficiency working with Microsoft Excel, PowerPoint, and Word applications

  About The Process:

  To be considered for the CCBSI Risk Program, you must complete the following steps:

  1. Complete this application including city preference for Houston or Chicago
  2. If you meet the minimum criteria for the Program application, you will receive an invitation to complete HireVue.
     1. Note, applications will be reviewed on a rolling basis, we strongly encourage you to complete your HireVue video(s) within 1 week of receiving.
  3. If selected, our team will reach out to you with final details.

  Our Mission

  At JPMorgan Chase, we’re creating positive change for the diverse clients, customers, and communities we serve. We do this by championing your innovative ideas through a supportive and inclusive culture that helps you every step of the way as you build your career. If you’re passionate, curious, and ready to make an impact, we’re looking for you.

• About the company

  J.P. Morgan is a leader in financial services, offering solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. We have been helping our clients to do business and manage their wealth for more than 200 years. Our business has been built upon our core principle of putting our clients'​ interests first.

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