Risk Management - Commercial & Investment Bank Credit Risk (Consumer & Retail)

As an Analyst, 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 will 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.


Job Responsibilities

• Conduct credit analysis and helps a deal team seek approval for lending and trading related transactions, including operating exposures, 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, 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
• Take ownership of client credit needs and projects and independently develops a credit opinion
• Review and assign risk ratings and maintains updated credit research on their portfolio of clients
• Participate in credit due diligence process for clients, including for capital markets transactions
  Required Qualifications, Capabilities and Skills
• Bachelor's degree with academic training in the principals of accounting, corporate finance capital markets products, and macro economics
• Strong analytical/financial modeling ability and excellent accounting and corporate finance expertise
• Strong verbal and written communication skills with an interest in client interaction
• An exceptional work ethic and highly motivated with a natural passion to learn and an inquisitive personality
• Ability to work well under pressure on teams in a demanding environment
• Capable of understanding, describing, and debating complex concepts
• Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word
  Preferred Qualifications, Capabilities and Skills
• Some credit/underwriting credentials, analytical skills, and experience is a plus, and Consumer/Retail experience in particular for this opportunity.

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