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

Wholesale Credit Risk assesses, permissions, and manages credit and counterparty risks on an industry, client, geographic, and transaction basis.  Credit Risk is independent within Corporate Risk Management, reporting to the firm’s Chief Risk Officer (CRO). Our practices are designed to preserve the independence and integrity of decision making.  The teams are generally organized by industry, and work closely with coverage and product groups to support business needs.  

Job Summary 

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, or Healthcare, in particular for this opportunity.