Investment Bank Credit Risk Associate
About The Position
As a Credit Risk Associate on JPMorgan Chase’s Infrastructure & Green Economy Credit Risk team, you will work with senior team members and partners across Investment Banking, Global Corporate Bank, Infrastructure Financing & Advisory, Markets, and other areas of the Bank. The team structures new loans and manages existing portfolios and related credit exposure to greenfield and brownfield projects across energy, power, renewables, energy transition, emerging green technology, and transportation sectors. The role offers the opportunity to develop analytical skills through highly structured transactions across a range of industries in a fast-paced, competitive environment. Risk Management helps the firm grow responsibly by anticipating emerging risks and applying expert judgment to challenges affecting the company, customers, and communities. The role supports transaction execution and portfolio oversight while protecting the firm’s interests.
Requirements
- Bachelor’s degree in a quantitative discipline.
- At least 3 years of credit risk experience within financial services.
- Strong financial modeling skills and familiarity with financial statements, including the 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.
- Ability to work independently and collaboratively as a self-motivated team member.
- Excellent communication and interpersonal skills, including the ability to communicate complex information clearly and in an organized manner.
- High proficiency in Excel, including analysis and control of large datasets, as well as PowerPoint and Word.
Nice To Haves
- Experience in credit or counterparty risk in infrastructure finance.
- Experience in energy transition and emerging green technologies.
- Ability to learn quickly, with strong attention to detail, organizational skills, and time management.
Responsibilities
- Work closely with business teams to develop diligence questions by reviewing contracts, forecasts and budgets, financial statements, construction reports, and operating reports.
- Analyze transactions, identify risks, and recommend loan structures that protect JPMorgan Chase’s interests.
- Build and maintain financial models that incorporate forward-looking risk assessments and key drivers.
- Support transaction execution, review and structure finance and commercial contracts, and recommend appropriate capital structures, exposure levels, and risk grades.
- Apply corporate finance and accounting expertise to prepare credit memorandums and take ownership of credit approvals and booking processes.
- Perform portfolio management activities, including analyzing amendment and waiver requests, conducting periodic credit reviews, performing counterparty and industry credit analysis, monitoring trading limits and credit ratings, and negotiating documentation revisions.
- Stay current on assigned clients, including industry trends, portfolio performance, covenant compliance, current events and news, and potential risks and opportunities.
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
Mid Level
