Investment Bank Credit Risk Associate

Job Description

Job Description

Bring your expertise to JPMorgan Chase. As part of Risk Management, 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 is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Credit Risk Associate on the Infrastructure & Green Economy Credit Risk team, you will work with senior team members and engage with Investment Banking, Global Corporate Bank, Infrastructure Financing & Advisory, Markets and other partners throughout the Bank. Our team structures new and manages a portfolio of existing loans and related credit exposure to greenfield and brownfield projects across multiple sectors, including energy, power, renewables, energy transition, emerging green technology and transportation assets. This role provides an opportunity to enhance analytical skills on highly structured transactions across a range of industries in a fast paced and highly competitive environment. 

Job Responsibilities

• Interface closely with business teams to develop diligence questions by reviewing contracts, forecasts/budgets, financial statements, construction reports, operating reports, etc.

• Use strong analytical and problem-solving skills to understand and identify risks and recommend loan structures which sufficiently protect JPM’s interests in various structured transactions

• Build and maintain financial models to incorporate the impact of forward-looking risk assessment on key drivers

• Support execution of transactions, reviewing/structuring of finance and commercial contracts, making recommendations as to appropriate capital structure, exposure levels and risk grading

• Apply corporate finance and accounting expertise to prepare credit memorandums, take ownership of credit approvals and booking processes

• Perform portfolio management activities including analyzing amendment and waiver requests, periodic credit reviews, ongoing counterparty and industry credit analysis, monitoring of trading limits and appropriate credit ratings and negotiating documentation revisions, etc.

• Staying current on all aspects of assigned clients, including industry trends, portfolio performance, compliance with covenants, current events and news, potential risks and opportunities

Required qualifications, capabilities, and skills

• Bachelor’s degree in a quantitative discipline 

• Minimum 3 years of credit risk experience within financial services 

• Strong financial modeling skills and familiarity with financial statements (including ability to analyze capital structure, profitability, project build costs and cash flow)

• Understanding of client and capital markets processes, credit risk management and commercial requirements

• Self-motivated individual who can work independently as well as across a team

• Excellent communication and interpersonal skills and ability to communicate complex information in a clear and organized manner

• Highly proficient in Excel (including analysis/control of large datasets), PowerPoint and Word

Preferred qualifications, capabilities, and skills

• Experience in credit/counterparty risk in infrastructure finance;

• Experience in energy transition and emerging green technologies

• Ability to learn quickly with a high level of attention to detail and strong organizational and time management skills

About Us

JPMorganChase, 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. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of 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 & Co. is an Equal Opportunity Employer, including Disability/Veterans

About the Team

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.