• Job Description

  Req#: 210625637

  Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase 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.

  As a Credit Risk Analyst on the Commercial and Investment Bank - Insurance Credit Risk Team, you will develop the analytical skills needed to evaluate, assess and document client creditworthiness of a portfolio of insurance companies as well as structure and negotiate new transactions/requests. In this role, you will play a part in leading the credit origination and portfolio management of the companies covered by the Insurance team. You will work in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets and many other product partners across JPMorgan Chase.

  Job responsibilities

  • Assign a portfolio of clients with responsibility for performing ongoing credit analysis and client exposure management
  • Develop a well-informed forward looking credit view of your client’s business and JPMorgan’s activity by staying current on industry trends, client’s financial performance, and capital markets needs
  • Communicate your view by preparing and presenting credit approval memos in connection with credit origination and renewals.
  • Perform financial analysis including stress testing, projections and peer comparisons
  • Assess creditworthiness of clients and recommending appropriate credit ratings
  • Assess the ability of cash flows or market value of assets/collateral to repay debt
  • Describe concisely the structure and terms of products and analyze related risk metrics
  • Monitor, investigate, and escalate risk metrics associated with client activity
  • Attend on-site or remote client diligence meetings
  • Process transactions and annual reviews in JPM’s credit system by coordinating with middle office and business partners
  • Prepare and present periodic portfolio reviews to senior credit executives and business partners

  Required Qualifications, Capabiliites and Skills

  • Highly motivated with a natural passion to learn and an inquisitive personality
  • Strong interpersonal skills, and an ability to work well in a team environment
  • Strong sense of accountability and ownership of tasks
  • Strong verbal and written communication skills
  • Capable of understanding, describing and debating complex concepts
  • Ability to prioritize among competing projects and deliver work in a timely manner
  • Highly proficient in Excel, PowerPoint and Word software
  • Knowledge of and familiarity with financial statements and accounting

  Preferred Qualifications, Capabiliites and Skills

  • Minimum 1 year of experience in credit risk analysis (preferably Financial Institutions or Insurance)
  • Completion of a bank’s formal credit training program
  • Corporate finance and accounting coursework

• 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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