As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

Team Description

Wholesale Credit Risk assesses, permissions and manages credit and counterparty risks on an industry, client, geographic, and transaction basis. Credit Risk is independent within Corporate Risk Management, reporting to the firm’s Chief Risk Officer. Our practices are designed to preserve the independence and integrity of decision making. The teams are generally organized by industry, and work closely with coverage and product groups to support business needs.

We are seeking a Credit Risk Analyst to join our Wholesale Credit Risk Diversified Industries Team covering industries such as Aerospace & Defense, Building Materials, Business Services, Chemicals, Industrials, Natural Resources and Transportation.

Job Summary

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 business teams to meet client credit requests, while balancing the risk-return needs of the Firm. You will constantly monitor their portfolio to accurately assign risk ratings to clients and facilities, while ensuring a robust culture of compliance is adhered to at all times.

Job Responsibilities

• Create written credit approval documents, which include the spreading and presentation of historical financial statement information and the related financial analysis, as well as projections of future cash flows for large corporate borrowers
• Develop a well-informed and forward-looking view of the business, financial and competitive risks associated with a company and sector
• Manage and monitor a portfolio of client credit exposures, across industry classes, on an ongoing basis
• Participate in negotiating, finalizing, and executing documentation for loans and derivatives
• Present quarterly and annual risk reviews and tiering analyses
• Review and assign risk ratings and maintains updated credit research on their portfolio of clients
• Work with Investment Banking Coverage, Commercial Banking Coverage and Global Corporate Banking on allocation of capital for clients; maintain threshold and industry limits

Required Qualifications, Capabilities and Skills

• Bachelor’s degree required
• 1-2 years of experience in credit and/or underwriting preferred
• Accounting and Corporate Finance expertise including academic training in the principals of Accounting, Corporate Finance, Capital Markets Products and Macroeconomics
• Strong analytical and financial modeling ability
• Capability of understanding, describing, and debating complex concepts
• Exceptional verbal, written and inter-personal communication skills
• Proficiency in Microsoft Word, PowerPoint and Excel

Preferred Qualifications, Capabilities and Skills

• Highly motivated with a natural passion to learn with an inquisitive personality
• An exceptional work ethic and ability to work well under pressure
• Ability to work well both independently and on teams