Commercial & Investment Bank Risk Analyst

JPMorganChase • Houston, TX

1d

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 for a diverse portfolio of clients. You will collaborate with coverage and product teams to address client credit requests while balancing risk and return for the Firm. The role includes monitoring a portfolio, assigning accurate risk ratings to clients and facilities, and supporting a strong culture of compliance. You will assess, permit, and manage credit and counterparty risks while making independent, integrity-driven decisions and supporting 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.

Requirements

• Bachelor’s degree or equivalent, with a strong interest in Finance or Economics.
• Strong understanding of accounting principles and financial statements, including the ability to analyze income statements, balance sheets, cash flow statements, and the relationships among them.
• Outstanding verbal and written communication skills and strong interpersonal skills.
• Ability to work well in a team environment.
• Proficiency in Microsoft Excel.

Responsibilities

• Perform financial analysis to support approvals for lending and trading transactions, independently and as part of deal teams.
• Build financial and valuation models using operating and cash flow assumptions; perform discounted cash flow analyses; construct management, credit, and downside cases; and assess liquidity, leverage, debt service capacity, enterprise value, and repayment across 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 forward-looking assessments of company and energy-sector fundamentals, including business drivers, financial performance, and key risk factors.
• Manage and continuously monitor a diversified portfolio of client credit exposures across energy subsectors.
• 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.

What This Job Offers

• Job Type: Full-time