Job Information
JPMorgan Chase CIB Credit Analyst - Risk Management in New York, New York
Bring your expertise to JPMorgan Chase. 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.
As Credit Risk Analyst, you will play a part in leading the credit origination and portfolio management of non-investment grade / leveraged companies covered by the Diversified Industries team. You will engage in the structuring and underwriting of new lending activities, analyze and approve other credit requests, facilitate regulatory monitoring, and perform on-going portfolio monitoring. In each capacity, the Credit team works in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets, and many other product partners to meet the needs of clients. You will develop a broad and deep understanding of the business, financial, competitive, and industry risks faced by clients in the assigned portfolio. You will work closely with the team's Credit Executive and Analysts and Associates on the team.
Job Responsibilities
Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio, and develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, industry and other factors
Prepare and present quarterly financial snapshot of the Diversified Industries portfolio, as well as annual portfolio review materials to senior management
Work closely with our middle office and data teams to ensure accuracy of credit system data
Ensure risk ratings are accurate and reflect a current forward-looking view of the client, while providing early identification and proactive management of deteriorating credits and other problem situations.
Lead and/or participate in client due diligence by way of attending client, bank, and other meetings to develop a better understanding of client companies, management teams, and industry sectors, and using financial models to incorporate the impact of forward-looking risk assessment on key value drivers, ultimately developing and recommending appropriate credit structures relative to risk assessment
Apply corporate finance and accounting expertise to develop appropriate financing structures, and prepare and review credit approval materials and annual review reports, ensuring all credit risk policies are followed
Review legal documentation to ensure terms are appropriate and consistent with credit approval as well as to advance your knowledge and understanding of complex legal concepts related to corporate finance.
Required Qualifications, Skills and Capabilities
Bachelor's degree
Possesses a solid understanding of financial products, corporate finance, and market dynamics
Knowledge of and familiarity with financial statements and accounting
Excellent communication skills, both verbal and written
Preferred Qualifications, Skills and Capabilities
Prior experience in commercial/investment banking, especially within a credit, structuring, and/or marketing focus
Ability to effectively present analysis and interact with key stakeholders
Capability to perform due diligence and effectively summarize findings
Comfort with client-facing activities and communication
Ability to perform well under pressure in a demanding environment
Effective time management skills and ability to manage multiple tasks at the same time
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 under the J.P. Morgan and Chase brands. 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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
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. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans
Base Pay/Salary
New York,NY $100,000.00 - $120,000.00 / year