Commercial & Investment Bank Risk Analyst
About The Position
As a Credit Risk Analyst on J.P. Morgan’s Wholesale Credit Risk team, you will use analytical skills and industry knowledge to make informed credit decisions across a diverse client portfolio. You will work with other teams to respond to client credit requests while balancing risk and return for the Firm. The role includes monitoring the portfolio, assigning accurate risk ratings to clients and facilities, and maintaining a strong culture of compliance. You will assess, permit, and manage credit and counterparty risks, making independent and integrity-based decisions while working with coverage and product groups to support business needs. The position is part of the Energy team, which covers North American Investment Grade and High Yield Oil & Gas, Power, Utilities, and Renewable counterparties. JPMorgan Chase describes a competitive total rewards package, with compensation and benefits dependent on role, eligibility, experience, skill set, and location.
Requirements
- Bachelor’s degree or equivalent, with a strong interest in Finance or Economics.
- Strong understanding of accounting principles and financial statements, including the income statement, balance sheet, cash flow statement, and relationships among them.
- Outstanding verbal and written communication and strong interpersonal skills.
- Ability to work well in a team environment.
- Proficiency in Microsoft Excel.
Responsibilities
- Perform comprehensive financial analysis to support approvals for lending and trading transactions, independently and within deal teams.
- Build financial and valuation models using supported operating and cash flow assumptions; perform discounted cash flow analyses; develop management, credit, and downside cases; and assess liquidity, leverage, debt service capacity, enterprise value, and repayment under different scenarios.
- Prepare written credit approval documents by spreading and analyzing historical financial statements, reviewing account activity and financial trends, and identifying adjustments and anomalies.
- Develop supported forward-looking views of company and energy-sector fundamentals, business drivers, financial performance, and key risk factors.
- Manage and continuously monitor a diversified portfolio of client credit exposures across energy subsectors, applying proactive risk management.
- Participate in negotiating, finalizing, and executing loan and derivatives documentation.
- Assign and periodically review internal risk ratings and maintain current credit research across the client portfolio.
- Collaborate with Investment Banking Coverage, Global Corporate Banking, Syndicated Leveraged Finance, and other product groups on client capital allocation; maintain threshold and industry limits.
Benefits
- Competitive total rewards package, including base salary and, for eligible roles, commission-based pay and/or discretionary incentive compensation in cash and/or forfeitable equity.
- Comprehensive health care coverage.
- On-site health and wellness centers.
- Retirement savings plan.
- Backup childcare.
- Tuition reimbursement.
- Mental health support.
- Financial coaching.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
